davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

I keep sending letters in regard to a bankruptcy that they claim has been verified by Lexis Nexis but the information they are reporting does not match the Lexis Nexis Report, XX/XX/XXXX,XX/XX/XXXX orXX/XX/XXXX report. I also looked on XX/XX/XXXX and none of the information matches. 

I don't understand how all this information is being verified but none of the information is being reported the same from any of the Credit Reporting agencies and I keep getting ignored by XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXXand Lexis Nexis about this. 

Name My name has only been XXXX XXXX XXXX. XX/XX/XXXX has a reported name of XXXX XXXX XXXX which is completely inaccurate and needs to be removed. 

Bankruptcy XX/XX/XXXX, LexisNexis,XX/XX/XXXX, XX/XX/XXXX and XXXX all have different Docket # 's All credit reporting agencies are reporting different Court names and addresses which do not match XX/XX/XXXX confirmation # XXXX dated XX/XX/20 investigation was incomplete and did not list any information for the Bankruptcy being reported. 

File for XX/XX/XXXX shows court name Federal - but no information was provided in the investigation results. Report was blank that was provided byXX/XX/XXXX in there investigation results provided on XX/XX/20. 

XX/XX/XXXX File # XXXX dated XX/XX/20 Bankruptcy CourtXX/XX/XXXX US Bankruptcy Court with address XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, FL XXXX XX/XX/XXXXReport # XXXX Dated XX/XX/20 US BKPT CT FL XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Reference # 's are different on all files XX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX and LexisNexis shows XXXX How can every reporting agency have different information. How can I not get an answer to any of the letters being sent to XX/XX/XXXX. Why was my report incomplete from XX/XX/XXXX Why isn't Lexis Nexis telling me how they are getting this information if they clearly have not verified this information with anyone since I had to reach out to the court and have told me that they do not verify this information. So how can any of this information be accurate?
Consumer complaint received 2021-01-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have continuously receive debt collecting calls from different numbers referring to themselves as " Portfolio Recovery '' They call from a range of different numbers all through out the day often times they call from a spoof number ( a number similar to mines ) a XXXX area code. This is harassment and it must be stopped. The dates that this company has called me on has been numerous but the most recent are as follows " XX/XX/21 from XXXX, XX/XX/21 from XXXX, XX/XX/21 from XXXX, XX/XX/21 from XXXX, XX/XX/21 from XXXX. This needs to end now.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

Last XXXX XXXX, 2020, XXXX removed me, my wife and my daughter from the boarding area of a flight from XXXX, XXXX, to XXXX, XXXX, because we were American citizens. At the time, Donald Trump and XXXX were in a dispute over whether citizens could fly back and forth, and XXXX became nervous they might be punished if they flew us to XXXX. After we checked into the flight we had paid for, XXXX called us back from the gate, gave us our luggage back ( we still have the tickets ) and sent us home ( we bought tickets on XXXX XXXX and flew the next morning instead ). 

XXXX appears to be struggling. Their website offers no human interactions, and their complaint forms don't include options that describe our circumstances. I complained using their forms but wrote in the details of what they did to us. They did not offer us a reimbursement or a voucher. They rejected my complaint. My complaint was that they removed us from a flight for being Americans. I filled out the airline complaint forms twice. They rejected me twice. 

Next, I appealed to the credit card that I used to purchase the tickets. The credit card, Capital One Visa, accepted my complaint for a reimbursement. However, they mailed me a reply asking for more information. They mailed the reply to my address in the United States ; however, I live during the year in XXXX, XXXX, where I am an international teacher, and I never received the mailed request from the credit card. 

I recently called Capital One to find out about the status of my complaint, and the agent on the phone told me that my complaint was now closed because too much time had passed. Also, the agent told me that XXXX claimed that my family and I missed our flight, and it is our fault. XXXX is lying. We did not miss our flight. We arrived to the airport on time, and they checked our luggage and issued us tickets on flight XXXX XXXX XXXX, XXXX to XXXX XXXX, seats 1A, 1B and 1C. There were no published prohibitions against Americans flying to XXXX, and indeed, we flew to XXXX the next morning. However, due to concerns at XXXX, XXXX would not let us board the flight ; they forced us to check back into XXXX, collect our luggage and go home. 

Despite sending Capital One Visa photos of our documents, including the full tickets we received ( which have our luggage tags on them ), Capital One chose to believe XXXXXXXX XXXX assertion that we simply missed our flight. 

Capital One Visa refused to reimburse us the {$280.00} that we paid to XXXX XXXX.
Consumer complaint received 2021-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020, I sent the attached letters to XXXX, XXXX, and Equifax requesting an investigation of the erroneous accounts currently being reported on my credit report. It has been over 30 days and they have yet to provide me with the investigation results and by law if the CRA 's were not able to verify the derogatory accounts within the time allotted, the accounts must be deleted from my report. I am filing a complaint because the negative accounts are hindering me from obtaining credit and I am trying to purchase a home. The unverifiable accounts are : XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank 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
Consumer complaint received 2021-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

Hello, I have a decided to refinance my home mortgage and i got the offer from my current lender, TD Bank. We have started to process in XX/XX/2020 and i have submitted all the documents in one week. I have received the Conditional Closing Disclosure and i have submitted all the conditional documents as well. 

They even ordered the title on XX/XX/XXXX. Since then i have never heard from them. I have tried to reach them several times but have never received any update. They keep putting me off for 2 months. I have submitted all the documents and they approved them all in XXXX. At the end of XXXX after i tried to reach them several times, they informed me that the mortgage officers are changed and another team started to take care of my refinance application. They sent to the Underwriter again in XXXX for no reason. 

Overall it has been more than 3 months since i have submitted all the documents and i can not get any update or the closing date from them. I chosed to work with TD Bank only my current mortgage is also with them. They promised me to close my refinance in 30 days and it has been 90 days and i don't even know how long more it will take. 

It was such a shame to work with TD Bank and it's a big disappointment how they treat their loyal customers.
Consumer complaint received 2021-02-01
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: EQUIFAX, INC. (IL)

This compliant is submitted XX/XX/XXXX ; Over one year since I took actionable remedies with Equifax to remove a hard inquiry that was committed through identity theft. Over the course of XXXX I attempted to contact Equifax via website, on the phone, and through certified mail no less than six times. In the course of several hours on the phone with representatives from Equifax, they had no record of my complaints, paperwork ( including a police report and notification from XXXXXXXX XXXX that the inquiry was fraud ). 
I have no confidence that Equifax has any intention of taking appropriate action and removing the hard inquiry made on XX/XX/XXXX. I have spoken to multiple representatives who seem confused regarding my dispute filings, cant read the credit report, interpret misinformation on my credit report, and have issued dispute confirmation numbers but never filed the disputes or filed them improperly. I request assistance as this gross negligence has negatively impacted my credit score. As a victim of identity theft who has completed all necessary steps and had to go above and beyond in order to attempt to rectify a situation that was caused through a crime, I implore your organization to publicize this complaint as well as assist in proactive efforts to restore my credit report. 
XXXX XXXX aware of Identity Theft. XXXX XXXX XXXX ( XXXX XXXX ). Spoke with XXXX. He closed the fraudulent account immediately, conducted an investigation and stated that I was liable for {$0.00}. 
Dates of Contact to Equifax : XX/XX/XXXX ( phone ), Certified Mail to Equifax XX/XX/XXXX, XX/XX/XXXX ( phone ), XXXX XXXX ( phone ). Do not have the number of website attempts. Continually received an error message that I would have to contact them by phone ( but was never connected to anyone during those times ). 
Spoke with XXXX from Equifax on XXXX XXXX. He said that this would take 30 days and I would receive results via email. On XXXX XXXX received an email that the investigation had been completed and to call. The representatives told me there were no hard inquiries on my credit reportthen 20 minutes later was told that no dispute had been filed. They told me that the last time I called I disputed my employment title ( which I did not ). 
Police Report Filed XXXX XXXX with Officer XXXX XXXX # XXXX Case # XXXX XXXX XXXX Police Department.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I have noticed two credit card accounts on my credit reports with the following companies : XXXX XXXXXXXX XXXX XXXX and XXXX XXXX  XXXX Those accounts were not opened by me and are a result of identity theft.
Consumer complaint received 2021-02-01
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. (IL)

I am filing this complaint so that my XXXX Late payments from 2018 are removed and those are not mine. I have a pristine clean Credit Score and this is the only late payment ever reported which is not mine. I have had a conversation many times with XXXX, I have been with them for the past 5 years and have never missed a payment since everything is on Autopay. Back in 2018 I called them and confirmed over the phone the switching of the bank account and to move my auto pay to the new account. In XXXX they reported a 30 day late payment which is NOT mine, then after calling them they said they fill fix the error after me explaining that I have called and I have told them and it has been confirmed by them everything is in order for the autopay. Then XXXX goes good without problems and again in XXXX XXXX day and XXXX 60 days late payment. I was frustrated and called them again and they said they will look into it and I should send a letter to their credit department. Never got any response back. I have tried multiple times to fix the issue but they don't seem to listen. So that is why I am filing this complaint and I am hoping you would be able to help me out
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Letter of Dispute In XX/XX/2020 Ive managed to place an order with XXXX ( XXXX ). Unfortunately, due to the inability to test products I had to request a return for a refund for two major reasons doesnt fit and item looks different from online description. Therefore, Ive followed XXXX  Return policy and shipped the items back via USPS Label with a Tracking XXXX and XXXX XXXX  XXXX previously issued and approved by XXXX and the package was successfully returned back to XXXX as of XXXX/XXXX/2020. However, I didnt receive the refund accordingly and had to file a billing dispute with Chase. 
Ive reviewed the documents provided by the merchant and has to rebute the statement saying that they dont have a request in a system for a return for a refund. Below this letter you will find a copy of return request altogether with a copy of the shipping label issued and approved by XXXX for a return to be fully processed.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPSERVICING is charging {$15.00} fees when making payment online on there website, that was never happen before. I thinks thats a lot. It's should {$5.00} or free. My income is less and its seems a lot. I there any rules how much a motortage company should charge a fee when making a-payment online on there website.
Consumer complaint received 2021-02-01
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. (NV)

There is a public record on my credit report. I don't have anything negative against me whatsoever so I am unsure why something like this is being reported on my credit. I contacted the agency that is reporting and they indicated that they don't report any information to the credit bureaus. Please remove this erroneous information from my credit report as it's hindering me from purchasing another home. Thank you.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

I checked my Credit and found out AWA Collections is on my credit for {$1900.00} the original balance was {$1700.00}. I never received a notice about this debt. I have received zero calls to see how I can resolve it but instead just slammed be with this on my credit which I do not appreciate. Under FDCPA A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt.

Specifically, a debt collector may not Collect any interest, fee, charge, or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NM)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

I received a phone call from someone claiming to be from Amazon ( XXXX ) attempting to verify a purchase for {$340.00} or to call XXXX if I did not make this purchase. 
I contacted Amazon ( XXXX ) and they verified there is no purchase listed for that amount. They said it was a phishing call, not to worry.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My rights under the FCRA are being violated. Not only are these accounts not mine. I have not supplied proof under the doctrine of estopple by silence Englehardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Not only that but section 15 UCS 1681 ( 2 ) excludes the reporting of the transactions with corporations.

as my right under federal law.

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for.. 
Understand that by this law, XXXX is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer.
Consumer complaint received 2021-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Over 60 days ago on XX/XX/2020 I sent in a dispute letter concerning the fraudulent accounts that is being reported on my credit report. Still to this day I have not received any notification, email or letter in the mail stating that they have disputed those accounts.
Consumer complaint received 2021-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MJ Altman Companies, Inc. (GA)

For months I have been fighting a back & forth game with " XXXX XXXX XXXX '' where I had lab work services preformed & " MJ Altman Companies '' debt collector. The collection is for {$320.00} XXXX XXXX XXXX made an error by charging the wrong insurance company, I've always had the same active insurance, I have no clue where they got the wrong information from. Multiple times I was assured by supervisors that they made an error and that it will be corrected immediately. After months of getting the same run-around answer I don't know what else to do. Is there any justice? I'm attempting to purchase a home & this wrongful reporting has dropped my XXXX & XXXX score tremendously.
Consumer complaint received 2021-02-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services (CA)

I have for 6 months now argued with this company over a debt collection of {$410.00}. I was told it was a medical bill but I have had insurance for 15 years now. When I contacted my insurance they told me none of this was ever reported to them. I called this company and they continued to harrase me with phone calls and interest. I finally spoke to a lawyer and they told me to ask for the bill within 30 days, which they then sent me a email from XXXX XXXX at Sequoia Financial Services. Stating the debt owed and my medical records! This is a huge violation of My HIPPA rights! I did not authorize this creditor to access any blood work or medical history of mine! I have copy of this email and my private records obtained from a hospital that they sent me today. I ask you make this company take this private information down and completely remove this collection off my record. As my medical insurance has no record of it in 15 years and they Illegally obtained it without a signature from me or any proof of consent. The creditors name and address is - SEQUOIA FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.