davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (CA)

I have attempted multiple times to have NCB Management vaildate this debt they claim I owe. Each time, the NCB Management has failed to provide me with proper validation for the debt. They continue to send me a contract from the original creditor stating this is their proof that it is my debt that I owe. No supporting documents to prove this is my debt, such as documentation bearing my original signature, has ever been provided to me. A document without my original signature does not validate that this is my debt. According to the FCRA, NCB Management has violated my rights as a consumer and I'm requesting this account be removed from my credit report immediately.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged into XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I was notified by XX/XX/XXXX that I had a hard inquiry on my credit report from Capital One-Cabelas today ... XX/XX/2020. I have notified Capital One. I did not apply for this card or any credit card as of late. This is due to identity theft. I filed a police report as well
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Every month since XX/XX/2018, I have sent a certified letter to all 3 credit bureaus requesting the information from the creditor XXXX XXXX be removed from my account. In XX/XX/2018, this vehicle was stolen. The company ( XXXX XXXX ) stated they had GAP insurance with my loan and would be taken care of. To date, they are still reporting my loan every month as 120 days past due. I have spoken with the company, the collection agency that now owns the loan, and etc on multiple occasions. NO ONE will help me resolve this matter. This is the only negative thing I have affecting me from purchasing a home. I have tried so many times to get this account resolved and DELETED the inaccurate information of over 30 missed payments from my credit report I have no choice but to file a complaint. This company, the credit bureaus, and the collection agency has EVER followed up with me after I have sent them dispute letters to verify any type of information.
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

THEY REPORTED A DEBT OF {$270.00}. I DON'T OWE ANY MONEY TO THE COMPANY OR TO XXXX XXXX XXXX XXXX. I ASKED FOR PROOF OF DEBT, AND NONE WAS SENT.
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2021, I tried to transfer {$180000.00} on line, from my checking account at the Bank to an Investment brokerage Account at the same entity. However somehow by a entry mistake or computer error, the amount got transferred to the Credit Card related to the Investment Account. The credit card shows the correct credit balance of {$180000.00} which I have tried to transfer back to either my checking account or my brokerage account. However I could not do it on line and as per the request by the credit card, they required me to conduct this transfer on the phone. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was advised that the request to transfer is under review with no further explanations given. 
My money has been tied up for no reason, and I am losing interest on this valuable asset. 
That is why I am filing a complaint against the credit card and the Bank. 
Thank you for your assistance and direction on this matter.
Consumer complaint received 2021-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Monterey Financial Services LLC (GA)

I have contacted your company to cancel a contract for item I never received. Your agent told me that I would still need to pay you XXXX off money that your seller never returned. I contacted the seller and they started you contact you to cancel. Contacted your company and you tell me to contact the seller. I am getting the run again with both companies. This need to be cancelled immediately!
Consumer complaint received 2018-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

I am not sure if this is the appropriate menu choice for my concern. I have 3 student loans - two of which I have been repaying since XXXX. My employment since mid XXXX has been in PSLF qualifying positions with the exception of a few months. If it doesn't add up to 120 months, it is darn close. My concern is about these two old student loans, not my more recent loan for grad school. 

Due to confusion about PSLF and how the program worked, in addition to inconsistent information, I did not re-consolidate my loans to XXXX XXXX from XXXX XXXX till XXXX. I am hopeful that by the design of TEPSLF, I may qualify for forgiveness for these two older loans. I have emails documenting all of the  interactions described below. 

To date, I emailed TEPSLF to inquire about details and whether or not I may qualify - didn't want to waste their time or mine! I was effectively told to go away, apply for PSLF and be denied before they would engage me in any dialogue. 

I applied for PSLF around XX/XX/XXXX, and my application for some reason was converted to an ECF in the XXXX XXXX system. I re-applied for PSLF again XX/XX/XXXX, and was subsequently denied a few weeks later. I then promptly emailed TEPSLF per the instructions on the Department of Ed site, and the reply was that I was ineligible because I hadn't applied for PSLF and been denied. I then replied to this email and attached the denial letter from XXXXXXXX XXXX and asked that they reconsider this. 

I also called to inquire, and was told by the operator that since my loans pre-XXXX were not XXXX XXXX, I shouldn't be concerned - my loans hadn't been " the right kind '' so I wouldn't qualify for TEPSLF anyway. Besides, I had been paying on them for 6 years, so I only had 4 to go! In fact, my tally of qualifying payments is closer to just under 5 years per the XXXXXXXX XXXX evaluation from XX/XX/XXXX. I asked that I receive an official evaluation and documentation of my approval ( or expected denial, per her feedback ). At this point, I am awaiting feedback from my last TEPSLF email requesting reconsideration of my request and including the PSLF denial letter sent XX/XX/XXXX. 

As with many experiences with XXXX XXXX and XXXX XXXX I have found that if I speak or email 3 different representatives with the same concern, I get at least two different answers. This is still very frustrating, but expected at this point.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

From the day I opened my American Express, Delta sky Miles card. I had text message reminders set up to pay my bill on time. After looking over one of my statements, I realized that I had been getting text message reminder sent to me two days after my due date and being charged late fees and interest because of this American Express purposely sent me text reminders after the due date for my payment and then charged me accordingly I reached out to them and they refused to do anything about it. I offered to send them screenshots and they said that they were not able to get screenshots this is the second account in which I have been lied to and the result has been me unable to continue to pay for my credit card.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$13000.00}, {$5700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$13000.00}, {$5700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2020, I logged in to my Synchrony Bank Amazon credit card account. I saw a banner on the page notifying me that my account had been closed. In the week or so prior to this, I had attempted to make a payment on my card, and the payment said 'returned '. I could not understand why, seeing as I had sufficient funds in my account. I therefore tried the payment again, only to get the same message several days later 'returned '. I spoke to an agent, and it was discovered I had entered my bank information incorrectly. I was assured that as it was obvious the payments were returned due to my clerical error, this wouldn't be held against me, and my account would be held in good standing. I proceeded to correct my error and made a full payment. Several days later, I logged back in, and I saw the banner saying my account had been closed. I contacted Synchrony and requested that my balance of points, totaling in excess of {$500.00} cash back I had earned, be sent to me by way of check or other means, as my account had apparently been closed ; contrary to what was promised me by their agents. I spoke with Synchrony online and was informed there was nothing to be done, they had closed my account immediately upon receiving my payment despite telling me they would do otherwise, and I would not be receiving any of the XXXX XXXX dollars rightfully mine. I now have an account that they closed, despite promising me otherwise, and I am now missing many hundreds of dollars I earned. I attempted to speak with them further, was put on interminably long holds, and was unable to make any progress. 
I filed a CFPB complaint on XX/XX/2020. 
My complaint is now closed as the company says they reached out to me and have not heard back. 
This is false. I will happily provide call logs and SMS history to show as such. 
Additionally, the company states the reason for my account closure and seizure of my funds is something on my XXXX credit report shows a 'high probability ' of me not being able to make the payments. 
I ordered a copy of this report, and every single account on my credit report is in good standing. There are no negative marks or notations. It follows that my account was closed, and my funds seized, with absolutely no good cause. 
The company has never reached out directly to me, providing a name and/or number I can speak with, other than providing me their general Customer Service phone number, at which there is nobody that can provide any further info. 
The company is unresponsive to multiple and repeated requests for further information, and they are still in possession of my money.
Consumer complaint received 2017-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

In XXXX and XXXX of 2013 two transactions were made on my paypal account. The funds were withdrawn from my debit card. I was incarcerated at this time and reported fraud when I was released and this came to my attention. I was told that I am liable regardless. That account was charged off and submitted for claim. I am still trying to resolve this and have been told that this is friendly fraud. I did nothing wrong. This debt is not mine.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal put limitations on my account for no valid reason and will not help me with getting it back and going. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AZ)

XXXX XXXX XXXX loyalty line original told us they would give my husband {$750.00} for my husbands XXXX XXXX and {$750.00} for my XXXX XXXX ( both in mint condition ). We were going to to go to XXXX if XXXX XXXX XXXX wasn't going to give us anything for 18 years of loyal business. We decided to stay with XXXX XXXX XXXX and bought XXXX XXXX maxes. When we went to to turn in our XXXX XXXX XXXX XXXX XXXX then said they wouldn't give us the money they agreed to. {$75.00} for my phone, {$35.00} for my husband 's. We then returned the phones to XXXX XXXX XXXX within the 14 days they require, when they broke their end of the contract ( I have the USPS shipping receipt & tracking that is was delivered ). They are now trying to charge us for the XXXX in the amount of {$2700.00}. I have called XXXX XXXX XXXX  a total of 13 times and spoke to 25 different people, they keep telling me they are taking care of it. I have gone to the XXXX XXXX XXXX Store 5 times and talked to 6 different people and we have now been sent to collections at Sequium Asset Solutions. XXXX XXXX XXXX has now removed {$2500.00} from our bill but still says we owe them {$260.00} which Sequium Asset Solutions is trying to collect. I don't know for what, I can't locate anything on our past bills what the charges are for?! We have been with XXXX since XXXX. We paid our last bill which was {$180.00} XX/XX/2021. XXXX XXXX XXXX still owes my husband {$100.00} for the tax he paid on my XXXX we returned to them and they received XX/XX/2021. Delivery proof is in the attached document.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Good afternoon. This is a complaint about trans union!! I have sent 4 faxes to transunion dispute numbers listed. 2 numbers and when I call I get no help Im treated rude hung up on even yelled at!! I have numerous hard credit inquirys on my credit reports transunion is seemingly not willing to help!! I was able to get this process done in 2 hours with other bureaus I am trying desperately trying to submit dispute for hard inquirys with transunion that are fraud!! Please inform company of formal complaint I am making. Today is XXXX XXXX XXXX  XXXX Time I have been attempting online since XXXX XXXX  XXXX time. XXXX XXXX.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MI)

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XX/XX/XXXXMy account was close in XXXX XXXXI received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I've sent a documentation regarding to those unknown and inaccurate account I found on my report. I demand to deleted those accounts or I will file a litigation. Its over 30 Days today I haven't received a response. I was a victim of XX/XX/XXXX Data Breach.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I've sent a documentation regarding to those unknown and inaccurate account I found on my report. I demand to deleted those accounts or I will file a litigation. Its over 30 Days today I haven't received a response. I was a victim of XX/XX/XXXX Data Breach.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (MI)

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX account was close in XXXX XXXX received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.