davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
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: JPMORGAN CHASE & CO. (MI)

Chase Auto loan from XX/XX/2011 was reported as last payment received on XX/XX/2011 for XXXX   and XXXX. XXXX is saying its XX/XX/2011 and will not be removed until after XX/XX/XXXX. I am unable to see results of any reporting because their website is down and has been down for more than three weeks. The customer service agent that I spoke with this afternoon said this 7 year old account will not be removed until after XX/XX/XXXX. This Chase account has been removed on both XXXX and XXXX. Its my understanding that 6 years is the statute of limitions on debt and we are clearly past that.
Consumer complaint received 2022-02-17
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. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (TX)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to Bridgecrest written , unwritten, verbal or non verbal to report my nonpublic personal information. Bridgecrest is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which Bridgecrest never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, Bridgecrest violated the terms and conditions within their contract, because Bridgecrest states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account XXXX XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: CLGF Holdco 1, LLC (NY)

I have filed a dispute in regards to incorrect items on my consumer report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2022-02-17
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. (NC)

The information is being reported incorrectly : XXXX  Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2022-02-17
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. (CA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (CA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-16
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: Upstart Holdings, Inc. (CA)

In accordance with the fair credit reporting act, UPSTART NETWORK INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX has violated my rights. 

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

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

15 USC Section 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 2020-07-27
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. (CA)

In XXXX I purchased a cruise from XXXX XXXX XXXX. I paid for the XXXX using my Chase Visa credit card. The total amount was over {$32000.00}. The cruise was canceled by XXXX due to COVID-19. XXXX emailed an offer of either applying the amount paid to a future cruise, or a full refund. I chose the full refund and submitted my refund request on XX/XX/XXXX. This request was acknowledged by XXXX and I was told it would take 30 - 90 days for the refund to be processed by XXXX. As of this date XXXX has not processed our refund. I contacted Chase about one month ago to report this and a Chase " disputes department '' representative told me Chase would issue me a temporary credit in XXXX - 10 days while they contacted XXXX to investigate why they had not yet given me a refund. None of the facts or amounts are in question. I have supplied all supporting documentation to Chase that they have requested. 

Chase has not provided the temporary credit they stated they would provide. Meanwhile, they sent me an email that states the disputed charges are " valid '' and they would return to charging me interest on this amount. What Chase chooses to ignore and/or not to understand is the validity of the original charges were never in dispute, never questioned. I did purchase the cruise using my Chase Visa. The issue was and remains the cruise was canceled by XXXX due to COVID-19, XXXX offered a full refund, and I accepted their refund offer. It is now beyond the 90 days XXXX originally stated they would need to process my refund. XXXX is a Chase merchant. Chase needs to take care of their customer -- - me, and give me a temporary credit as they told me they would do, then deal with why XXXX still has not issued me a refund for a cruise THEY CANCELED.  Instead, all Chase has done is renege on their promise to give me a temporary credit for the amount I paid XXXX, plus they " closed '' my claim after declaring the charges are valid. Of course the charges are valid! The validity of the charges was never the reason I contacted Chase. The issue is that their merchant, XXXX, is holding my money hostage and refuses to issue my refund.
Consumer complaint received 2018-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (PA)

I SENT ON XX/XX/XXXX A CEASE AND DESIST LETTER AND FOR THEM I COMPLIANCE TO FTC AND XXXX XXXX, REMOVE THIS DEBT OFF MY CREDIT FILE WITH ALL 3 CREDIT REPORTING AGENCIES, THE ORIGINAL CREDITOR XXXX XXXX, STATED THEY WOULD REMOVE AND CLOSE CHARGE ACCOUNT WITH A {$0.00} DOLLAR BALANCE AND DID SO AS OF XX/XX/XXXX, THIS COMPANY JH PORTFOLIO IS A COLLECTION AGENCY THAT IS IN VIOLATION OF MY STATES STATUES, SINCE IT WAS FROM XX/XX/XXXX, FORWARD ... BEYOND 2 YEAR LIMIT OF FILING OR COLLECTING.
Consumer complaint received 2022-02-17
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)

The lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to EQUIFAX Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking for help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED : XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX ) DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}
Consumer complaint received 2022-02-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DRB-40, LLC (OH)

The debt collector called my work number and I explained that I am not able to talk at work, because I take calls to assist patients, that is my job, I can not have personal conversations on my work phone when I am supposed to be working
Consumer complaint received 2022-02-17
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. (AZ)

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, TransUnion Bureau did not take any action to remove the inquiries listed below : Inquiries XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WV)

On XX/XX/XXXX, I created an XXXX XXXX XXXX XXXX payment request. XXXX accepted and processed the request. The payment was to go to Nelnet, which was accepted by Nelnet on XX/XX/XXXX. The payment has not been processed on Nelnets end and is not showing up. Since then, I have accrued interest of which would not have applied to the to the payment due to the negligence of Nelnet to promptly process and apply the payment.
Consumer complaint received 2022-03-30
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: CrossCountry Mortgage LLC (GA)

XXXX : XXXX/CROSSCOUNTRY MORTGAGE LLC ran a hard credit inquiry without my permission. 

XXXX : I was informed of this check through Chase Bank credit monitoring. 

XXXX : I sent a message to Crosscountry Mortgage, LLC through their website informing them that they conducted an unauthorized inquiry. Pending response.
Consumer complaint received 2020-07-27
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 (MS)

LexisNexis : I have contacted this company on two occasions because they are reporting incorrect information about a bankruptcy and sharing it with the credit bureues and other third party companies. 
After my first attempt to contact LexisNexis, They wrote me back, stating they verified my information from the courts. I contacted the Federal Court and they stated to me, ''that they do not share personal information or sale personal information to any third party companies. 

My second letter to LexisNexis, I requested that they send me the original documents with my signature on it. LexisNexis has fail to respond to any of my phone calls and letters.
Consumer complaint received 2018-05-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelson Cruz & Associates LLC (TX)

I told agency to stop contacting me regarding. 
They stated that they will take me to court and put me in jail. 
And also mentioned my house and vehicles and my credit card information. 
Now i am afraid that they know where i live and what vehicle i have
Consumer complaint received 2020-07-27
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. (CT)

I was a victim of identity theft, my personal information was stolen and used to open several different accounts. I submitted an FTC affidavit and a report from my local PD disputing these fraudulent accounts. I have not authorized the openings of these accounts and have no information on who opened these accounts. I have submitted several disputes to XXXX, Equifax and XXXX and they are refusing to remove these fraudulent accounts. I contacted the companies listed on my credit report for these fraudulently opened credit accounts and they could not give me information pertaining to these fraudulent accounts because I was told " my information does not match what is listed in their system. '' But every time I submit a dispute they are sending documentation to XXXX, Equifax and XXXX   saying that " I am the verified account holder. '' THESES COMPANIES HAVE ALL SUBMITTED DOCUMENTS INCLUDING A POLICE REPORT AND A FTC AFFIDAVIT. 

ACCT : XXXX XXXX  {$210.00} XXXX {$4600.00} XXXX XXXXXXXX XXXX   {$10000.00} ( These 2 accounts were removed and purchased by another lender and put back on my report ) XXXX XXXX XXXX {$9700.00}
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc. (TX)

XX/XX/XXXX, after seeing two collection accounts on my credit report that I did not recognize, I called Synerprise ( the collector ) for an explanation. I was told that the original debt was for medical bills for XXXX XXXX for invoices dated XX/XX/XXXX. I had been shopping for a mortgage and was frequently checking my credit report. These items were not previously on my report. 

On XX/XX/XXXX, I called the original creditor, XXXX XXXX XXXX and spoke with billing representative XXXX. I explained to her that I had never received an invoice or a request for payment of service. XXXX explained that a statement had been sent via US mail. I gave XXXX my current address, as well as a previous address. She stated that the statement had not been sent to neither of those addresses. She would not tell me the address to which the statements were sent nor could she tell me where they had received the incorrect address. I explained to her that all of the information provided to the hospital and my insurance company reflected my current address. XXXX explained that they did not receive my address from the hospital, but could not explain from where they had received it. I requested to have the account pulled back from collections so that I could pay them directly. I was told this was not possible. I was also told that the account had been turned over to collections in XX/XX/XXXX. I requested to speak to a supervisor and was told that the supervisor would need to return my call. I left my phone number and we discontinued the call. I never received this call. 

It is completely unfair that these charges should count against my credit report when I was never given the opportunity to pay them. I have been at my current address since XX/XX/XXXX and all of my information was accurately reported to my insurance company and the hospital when I registered for XXXX. Both the original debtor and the collections agency understand that the invoice was sent to an incorrect address, but refuse to rescind the collections account.
Consumer complaint received 2022-08-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Paid car loan off through Huntington national bank on XXXX. I called middle XXXX asking where my title was..They had mailed it to an address that I lived at 15 years ago. The loan was just a couple years old and my current address was used on the application. I was given a case number. XXXX. On XX/XX/XXXX I called and was told they had mailed me a release form on XX/XX/XXXX. Once again they mailed that to old address of 15 years ago. They also have said I have to pay for them sending my title to old address. This is not acceptable. My current address was used on loan application. They keep sending to incorrect address.
Consumer complaint received 2020-07-27
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. (CT)

I was a victim of identity theft, my personal information was stolen and used to open several different accounts. I submitted an FTC affidavit and a report from my local PD disputing these fraudulent accounts. I have not authorized the openings of these accounts and have no information on who opened these accounts. I have submitted several disputes to XXXX   XXXX and TransUnion and they are refusing to remove these fraudulent accounts. I contacted the companies listed on my credit report for these fraudulently opened credit accounts and they could not give me information pertaining to these fraudulent accounts because I was told " my information does not match what is listed in their system. '' But every time I submit a dispute they are sending documentation to XXXX XXXX and TransUnion saying that " I am the verified account holder. '' THESES COMPANIES HAVE ALL SUBMITTED DOCUMENTS INCLUDING A POLICE REPORT AND A FTC AFFIDAVIT. 

ACCT : XXXX XXXX {$210.00} XXXX {$4600.00} XXXX XXXX XXXX   {$10000.00} ( These 2 accounts were removed and purchased by another lender and put back on my report ) XXXX XXXX XXXX {$9700.00}
Consumer complaint received 2020-07-27
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Acceptance Corporation (AL)

On XX/XX/XXXX I sent a cease and desist letter to World Finance in XXXX, AL pursuant to my rights under the Fair Debt Collection Practices Act. The cease and desist requested that communication with me, as well as my family and friends cease in relation to any debts that the company alleged that I owe. Prior to sending the cease and desist I was contacted at my place of employment multiple times, in which I advised that I can not accept personal calls during working hours. The calls continued. On XX/XX/XXXX another family member was called. I then called World Finance in XXXX, AL advising them of the cease and desist that was sent - I also asked that they cease communication with me again. XXXX of World Finance again called me at XXXX XXXX  on XX/XX/XXXX via cell phone, and XXXX XXXX  on XX/XX/XXXX at my place of employment. I am well aware of the remedy and legal action that can be taken against debt collectors for the violation of consumers right, in this case my rights have been violated numerous times by the harassing behavior of this company. It has caused stress and turmoil to me at work, as well as stress to my family members for repeatedly being called after they asked not to be contacted anymore.
Consumer complaint received 2020-07-27
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

This collection agency popped up on my credit report on XX/XX/20/17 and I have been disputing this with them every since then. I sent them a HIPAA verification letter as well as a debt validation letter that they have not responded to. This is not a debt that I owe because I had health insurance that was not run or charged at that time and I have told this collection agency this as well. They need to remove this from my credit report and update with the bureau 's immediately especially since they are not responding to my letters.