davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

JP Morgan XXXX XXXX is reporting information to my credit report inaccurately. 

1. High Balances differs between all 3 major credit bureaus. 

2. Date of Last Activity differs between all 3 major credit bureaus. 

3. Date reported differs between all 3 major credit bureaus. 

4. Date Opened differs between all 3 major credit bureaus. 

5. Last Payment Date differs between all 3 major credit bureaus. 

6. Credit Limit is missing. This is inaccurate
Consumer complaint received 2022-12-19
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. (AL)

HI 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.
Consumer complaint received 2022-05-29
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. (MO)

I, XXXX XXXX, a natural person without having any help by a third party am horrified that I have been requesting investigation results, audit trails, and information for years now, to validate the accuracy and validity of the alleged debts being reported on my credit file. I have sent certified letters requesting all information used to " verify '' with no response. I also had to send in letters and identification to validate my identity several times because they kept using the stall tactic that they could not validate my identity in spite of faxing and mailing my drivers license and social security card several times. Regarding the disputed items they are reporting, The Consumer Reporting Agency EQUIFAX has only told me they are verified, which they can not do as I am the only one that can verify them. Furthermore, EQUIFAX has been provided proof ( pictures of each account with all credit reporting agencies ) that they are reporting differently with each CRA, which means that they can NOT be accurate if there are discrepancies, yet they have not deleted them as the law requires. I am tired and suffering with their notations and games of them changing the information around instead of deleting as guaranteed by my consumer rights.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

On XX/XX/2022, ConServe, the debt Collectors for XXXX XXXX XXXX XXXX ( XXXX  ), offered me a settlement in the amount of {$2600.00}. The terms were to be paid in the amount of {$290.00} monthly until paid as agreed. I made an initial payment on that same day via XXXX visa. I made other payments via my XXXX checking accountand the final payment of {$1700.00} on XX/XX/2022, via XXXX visa. The account has been paid as agreed. 

I contacted XXXX several days after my final payment to confirm that their system reflected that I had paid as agreed, but the system had not updated the current payment status. On XX/XX/2022, I disputed the inaccurate info on my credit report. XXXX subsequently notified me on XX/XX/2022, that my dispute was completeyet, No changes had been made to the inaccurate information. To date, XXXX still has me owing them $ XXXX.
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX Has violating my rights. 

15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 6048 section 2 ; it also states of consumer reporting agency can not furnishing account without my written instructions 15 USC 1666B ; a credit or may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2022-05-23
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. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX Has violating my rights. 

15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 6048 section 2 ; it also states of consumer reporting agency can not furnishing account without my written instructions 15 USC 1666B ; a credit or may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: First Data Corporation (TX)

I was recently issued this paycard by my now former Employer to settle my final wages. This was REQUIRED by my employer, as no other option was given at the time of release. As such, a card was issued by ADP TotalPay, in order to allow to " expedited '' access to my final wages, at no cost ( according to my employer ). 

However, since issue on Thursday, XX/XX/2019, the card has failed to activate using the automated phone system ( the only option available to users ) and the Customer Service representatives have faced the same issue trying to use the same systems to activate the card. To note, they have 0 ability to force the activation or help in any way, other than to have you go through the same automated system with them on the line. 

My employer touted the instant issue checks that come with the cards, but can't use them since I can't activate the card over the phone. First Data allows online access to the account, where I didn't run into any issues. However, all I can do is review my balance. Issuing a Check still requires the use of the automated system that is unable to activate the card in the first place. 

I've tried unsuccessfully to activate the card, and the representatives all tell me to check back later. It's now Monday XX/XX/2019, and I'm still not able to activate the card. Speaking with another representative today, they have now indicated that it may not be resolved until Wednesday, prolonging the issue almost 6 days since the day of initial issue of the card. 

To make matter worse, their phone system has also indicated that several cards exist under my Social Security number, and when I ask a representative for assistance. I'm told there is nothing they can do. The other resolution offered was a " Money Transfer '' which I can initiate online, but requires the payment of a {$3.00} fee to complete. A consumer has no other options available to them to get access to the funds immediately, other than to wait for a resolution in an unreasonable turn around time.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2022, XXXX, the debt Collectors for Navy Federal Credit Union ( NFCU ), offered me a settlement in the amount of {$2600.00}. The terms were to be paid in the amount of {$290.00} monthly until paid as agreed. I made an initial payment on that same day via XXXX visa. I made other payments via my NFCU checking accountand the final payment of {$1700.00} on XX/XX/2022, via XXXX visa. The account has been paid as agreed. 

I contacted NFCU several days after my final payment to confirm that their system reflected that I had paid as agreed, but the system had not updated the current payment status. On XX/XX/2022, I disputed the inaccurate info on my credit report. XXXX subsequently notified me on XX/XX/2022, that my dispute was completeyet, No changes had been made to the inaccurate information. To date, NFCU still has me owing them $ XXXX.
Consumer complaint received 2022-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

on XX/XX/XXXX XXXX I made a purchase with XXXX XXXX apartments one for XXXX and another for XXXX. However, I was denied the apartment and was due to receive my security deposit back. XXXX apartments was giving me the run around about my refund, so I decided to dispute the payment. After a long haul they finally gave me a check for my money, so I called my bank and canceled the dispute, during the dispute my account was never credited the money. On XXXX XXXX my bank Suntrust now Truist sent me an email stating that the claim case numberXXXX was closed being that I wish to no longer dispute it. Again, I was never credited during this time, which made it a smooth case close. However, I receive a court document stating that XXXX apartments was suing me because the XXXX was taken from there account. Am confused because I was never credited the money and the case was close. When they lawyer sent me their bill of particulars it was an email sent from XXXX on XXXX XXXX stating that the money would be taken from there account because of the dispute. However, according to my bank letter the case was closed on XXXX XXXX. My bank has already confirmed XXXX times that I did not receive a credit. Now my problem is the judge wants to know where the XXXX taken from there account went. I think these people are lying but I need you guys to investigate this, or everybody including all banks will have to be subpoenaed to court.
Consumer complaint received 2019-08-01
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. (GA)

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ),
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

A LATE PAYMENT FOR XXXX XXXX ON XX/XX/2021. IM DISPUTING THIS AS INACCURATE AND INQUIRIES THAT DOESNT BELONG TO ME FIRST ONE IS XXXX XXXX XXXX  XXXX XXXX SECOND ONE IS XXXX XXXX XX/XX/2021 THIRD ONE IS XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I am trying to purchase a home. I don't earn enough money to apply on my own. My mother is a co-applicant and I finally got a preapproval after at least 12 attempts to get a loan without a cosigner. LVNV and Resurgent have 2 negative marks on my credit report. I tried to dispute them because I have been living on a very limited income for over 8 years. I called to see if I could settle on both, one over {$400.00} the other over {$600.00}. I only receive a check for {$950.00} and my rent is XXXX. The settlement amount were no more than {$50.00} less than the actual balance. I asked about a hardship discharge and I was given the instructions on how to apply. I was not informed during the initial contact and a subsequent follow-up to check the status of the application that their hardship is temporary and I could make small payments during this time, which I still don't know what the time frame is for the hardship. My option is to agree to a plan for $ XXXX for about 3 years. I asked would the items be taken out of the delinquent status once I started paying. I was told that once I paid for the loan completely then it will be removed from negative. 

This is causing me to not be able to get affordable housing and I can't get the mortgage until I get them resolved. And the terms of the estimated loan amount, 15 years on XXXX are not favorable to the circumstances. I asked about the 30 year fixed, I asked about the fannie mae home ready and I was told that it was determined by the computer system.I don't know why we were not informed about the credit items when they did the credit check, but they reduced the amount of the loan estimate from $ XXXX to $ XXXX, which includes a down payment amount, but I already have a down payment. 15 years in my case is not realistic. If i need a cosigner to be approved, why would I be placed on such strict terms? I am still trying to get the collectors holding the delinquents on my account to work with me on reasonable terms.I thought I would be done with the challenges that I have endured by myself but it continues, there's always a new hurdle to cross, but there is a pattern that is undeniable. Can collection companies refuse to remove the old accounts that prevent me from obtaining affordable housing? 
I have at least XXXX inquiries on my report and they are all mortgage inquiries.
Consumer complaint received 2023-10-15
Product: Credit reporting 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. (NJ)

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.

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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. 


You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. 

This is the letter i sent to the credit agencies for the following accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX N Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX  Account Number : XXXX Balance : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : XXXX
Consumer complaint received 2024-04-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC (PA)

This company is engaging in deceptive practices. On XX/XX/XXXX I filed a complaint on oliphant regarding several FCRA violations plz see complaint # XXXX to which they gave the follow response To Whom It May Concern : We are in receipt of the complaint dated XX/XX/XXXX. We appreciate the opportunity to resolve any complaints or issues with consumers. Due to the nature of XXXX XXXX complaint, we will respond directly to him and provide him with more information about the account in question. If you have any questions, please contact us XXXX XXXX  at XXXX. Sincerely, Oliphant Financial , LLC XXXX My complaint is this company is being deceptive by using this generic response used to circumvent their way around the FCRA after they violate consumers rights. If you look at the history of Oliphant complaints they religiously use this same generic response on every complaint platform, for example I received this same response from the XXXX XXXX XXXX  ( plz refer to XXXX  complaint # XXXX ) when I filed a different complaint on this company for FCRA violations. To which it has been over a month and I have not received any communication from this company address or trying to resolve this XXXX  as they stated in their response that they would be XXXX. I am not the only consumer who has received this deceptive response. If you check complaints on the bbb website you will see this same response used emphatically deprive consumers out of their right to have inaccurate and incorrect information from being updated. I have noticed a lot of market points have been closed as duplicate complaints. This is not a duplicate complaint. This is grieving new issues which is deceptive practicing, which is a violation of the fair credit act. If this complaint is closed, and not answered, your silence will be considered as estoppel by silence and I will have my legal counsel look into legal litigation for willful noncompliance.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 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
Consumer complaint received 2017-07-26
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: CITIBANK, N.A. (TX)

Partial account # XXXX. I recently discovered that Home Depot/ CITI BANK reported to the credit bureaus that I was 30 days late for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted Citi Cards on or around X/XX/17 and explained what happened and they initiated investigation. On XX/XX/17 I called CITI BANK and they advised after conducting their investigation, they would not be fixing the error. I have checked my back statements and made the following payments and was never 30 days late. X/XX/17- made payment of {$130.00} ( check # XXXX, deposited by CITIBANK on X/X/17 ) X/XX/17-made payment of {$140.00} ( on-line payment # XXXX ) X/XX/17- made payment of {$130.00} ( check # XXXX, deposited by CITI BANK on X/XX/17 ) These inaccuracies reported by CITI BANK has caused my credit score to dropped my score dramatically. They do not seem to care.
Consumer complaint received 2022-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NM)

Navient is the servicer for my XXXX  loans incurred through graduate and medical education at XXXX University and XXXX University XXXX XXXX XXXX between XXXX and XXXX. I consolidated these loans in XXXX and they went into formal repayment in XXXX on a XXXX  year plan. I pay this loan on time and have never missed or had a late payment.

Navient has declined to offer me the Federal COVID interest deferment that started in XXXX, stating that, although these were originally Federal student loans, they have no obligation to honor the Federal interest deferment. I am lodging a formal complaint regarding this as undue burden and contrary to the intent of the CARES Act for Federal COVID relief.