davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
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: Elevate Recoveries, LLC (FL)

In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

I am looking to get a refund on my federal student loans under the CARES act for my payments made during forbearance. I started school again ( XXXX ) and hit the " Cost of Attendance '' cap for my student loans and have been struggling to pay rent. 

I submitted my refund from Edfinancial on XX/XX/XXXX via phone call. I have yet to receive any initiated communication from Edfinancial regarding this inquisition.

I called Edfinancial again on XX/XX/XXXX to check on the status of the refund. They said they were unable to verify the status, only that it was a successfully submitted request. When I asked for a timeline, they told me they were unable to give me a timeframe. 

I made a refund request to my other loan servicer earlier this month and was given an XXXX week timeframe. 

Due to my financial situation, I am very upset with the lackadaisical attitude of Edfinancial. I would have appreciated a quicker turnaround for these refunds, or at least more transparency with their borrowers.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

EQUIFAX XXXX XXXX  EQUIFAX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXXXXXX XXXX Take name down to just XXXX XXXX XXXX and Only active addresses are XXXX XXXX XXXX XXXX XXXX Texas, XXXX, XXXX XXXX XXXX, XXXX, Alabama, XXXX
Consumer complaint received 2022-12-04
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. (LA)

I bought XXXX tickets on XX/XX/XXXX in the amount of XXXX. I used my Chase debit card. But XXXX XXXX got worst and our safety is my priority. I requested for cancellation and get my Refund. I even purchased a protection plan in the amount of {$290.00}. I disputed a claim and submitted the supporting documents for both and CHASE CLOSED the case because of its almost two years? According to the merchant Asaptickets they did the refund but according to Chase they didnt receive on their end and the card that I used is not even on my profile?, and not even a closed card? How could it be? This is my earned money and saved it. Please help me to resolve the issue. I attached the message from CHASE BANK and XXXX. Thank you for the assistance. Much appreciated. 
Sincerely, XXXX XXXX XXXX XXXX FROM XXXX  : In regards to your refund for booking XXXX From XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX Dear XXXX, Hope you are doing well. 
On XX/XX/XXXX, the credit was reversed back to the issuer and they accepted Network Accepted XX/XX/XXXX XXXX PST Decision Final Issuer Accepted Account number : XXXX Amount : - {$3200.00} It is better that you provide them with the full CC number, Per the letter attached, your bank doesn't see a card ending in XXXX associated with your account. 
Looking forward to hearing from you. 
Thank you. 
Sincerely, XXXX XXXX XXXX  Special FROM CHASE BANK : Sent XX/XX/XXXX XXXX XXXX From Chase Online Subiect Re : Account inquiry Delete Reply Dear Retail Claims Customer, We have received your request and reviewed your claim. 
Your claim iS : Claim # : XXXX Claim Status : Closed Additional information : I ve check the account for the amount XXXX and I do not see that amount to be refunded. Once thing I did notice is the card used ending in XXXX is not on your profile even as a closed card. 
If you have any further questions please don't hesitate to reach out to uS. 
Thank you for choosing Chase.

Sincerely, The Retail Claims Team
Consumer complaint received 2022-12-04
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: Resurgent Capital Services L.P. (NC)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-04
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: Security Credit Services, LLC (NC)

In accordance with the fair Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-04
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: Navient Solutions, LLC. (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late purpose.
Consumer complaint received 2022-12-04
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: Experian Information Solutions Inc. (MD)

I took a look at my consumer report which caused XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting act EXPERIAN, XXXX and XXXX are violating my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercises their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 
Here are the errors as follows : XXXXXXXX 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2022-12-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (GA)

From XXXX ( now ), I have been being harassed by FIRSTSOURCE ADVANTAGE regarding an alleged debt owed. Be it known, that I hereby dispute the validity of said debt. Also I am aware that this company does not have a license to practice in the state of Georgia where they are attempting to collect said debt. 

In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, FIRSTSOURCE ADVANTAGE is hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. Please take note that I am declining any attempts by or any other collection agency with regards to this matter. 

In addition, FIRSTSOURCE ADVANTAGE is hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I am requiring documentation to confirm that FIRSTSOURCE ADVANTAGE has complied with this request. 

I am also requesting to CEASE AND DESIST FIRSTSOURCE ADVANTAGE from contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt.
Consumer complaint received 2023-03-12
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. (TX)

I'm resubmitting this letter to follow up with the dispute I filed over a month ago, I hope your company is now investigating this matter.
Consumer complaint received 2022-06-23
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. (NC)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have attached files which includes all updated personal information Sincerely, XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$890.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$10.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$4.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX {$620.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$800.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) Account Number : XXXX {$970.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX {$890.00} XX/XX/XXXX
Consumer complaint received 2023-03-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: New Century Auto Sales, Inc. (OH)

XX/XX/2023 I went into RightWay Auto Sales to engage in a credit sale pursuant to 15 U.S.Code 1602 ( h ) resulting in a consumer credit transaction. After being greeted I went to the salesmans ( XXXX XXXX ) desk and was handed a credit application. After excerising my right to credit pursuant to 15 U.S.Code 1602 ( f ) I signed the credit application. Then the salesman requested my credit card pursuant to 15 U.S.Code 1602 ( l ) and my credit card was an accepted credit card pursuant to 15 U.S.Code 1602 ( m ) by the salesman and he took the credit application and the accepted credit card pursuant to 15 U.S.Code 1602 ( m ) to the finance department of RightWay Auto Sales. Moments later the salesman shouted to me across the room from the finance department to his sales desk, in the public setting questions about my nonpublic personal information pursuant to 15 U.S.Code 6801 to me after RightWay Auto obtained a copy of my consumer report pursuant to 15 U.S.Code 1681a ( d ). After the salesman returned to his desk before seeing any automobiles the salesman requested in addition to my accepted credit card pursuant to 15 U.S.Code 1602 ( m ) an additional downpayment pursuant to 15 U.S.Code 1662 ( 2 ) of at least {$1000.00} USD or more to move forward before beginning any consumer credit transaction. I told the salesman I did not want to extend my credit pursuant to 15 U.S.Code 1602 ( f ) and provide a cash downpayment of any amount. The salesman handed me a copy of my consumer report that RightWay Auto Sales had obtained pursuant to 15 U.S.Code 1681a ( d ) and told me that without the downpayment pursuant to 15 U.S.Code 1662 ( 2 ) RightWay Auto Sales refuses to provide me an automobile on credit. I requested to speak with the finance manager and told her at this time of refusing to provide me an automobile on credit after I completed a credit application and provided RightWay Auto Sales with an accepted credit card, this interaction with RightWay Auto Sales will be construed as unauthorized use of credit pursuant to 15 U.S.Code 1602 ( p ) because I have provided a credit card pursuant to 15 U.S.Code 1602 ( l ) and it was an accepted credit card pursuant to 15 U.S.Code 1602 ( m ) and I received no benefit. She told me my benefit was my credit being run and my credit score is not accepted therefore requiring a downpayment pursuant to 15 U.S.Code 1662 ( 2 ).
Consumer complaint received 2023-03-12
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. (MO)

So I'm filing this complaint because the credit bureaus are not reporting the status of a couple accounts on my personal credit report. For the past 6 months I've been disputing with the bureaus that the XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX negative marks are inaccurate. These two errors are causing me to be denied for credit and also it is affect my credit payment history. I would like for the bureaus to delete this misinformation from my credit report immediately.
Consumer complaint received 2023-03-12
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-12
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. (IL)

In accordance to the Fair Credit Reporting Act, XXXX  account number XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.