davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION (PA)

First Advantage did a background for XXXX on me, and found that my social security number suposinlgy, isn't mines. I just did another background check with another agency for another position along with this work @ home, XXXX position. It was just fine. I used the same social security card as I have used all of my life. What I am being informed just isn't making sense ... The letter I was mailed by First Advantage, Consumer is stating a law, without stating what the law is that made me ineligible. Please, have this investigated. 
I have already had alerts put on my credit reports alomng with other actions taken. I wold really appreciate if XXXX can have this cleared up, so I can continue to enroll in a XXXX course for their work at home positions. My questions are where did " First Advatage, Consumer '' get their information from that they  passed on to XXXX? 

Also, I would like to have it investigated to be sure no one is using my soical security number especially from any former addresses. Have reported & issued freeze on my credit reports. Please, also make sure ntohing else was done with my social security number especially form a XXXX XXXX XXXX XXXX, XXXX, PA XXXX address. I wasinformed about possibly, having property in my name. I would be a 1st time home buyer, if I ever decide to buy a home. I do not own any property. 

Thank you XXXX XXXX
Consumer complaint received 2022-04-04
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: CREDIT ACCEPTANCE CORPORATION (OH)

I have made several attempts to get a repossession from my credit report! This is outrageous and it is keeping me from moving forward with my life. I have not only filed a report with you before but also the credit agencies and the creditor, Credit Acceptance. I am so tired of this! I want the account XXXX removed based on the law 15 U.S. Code 1681a - Definitions ; rules of construction under ( 2 ) exclusions letter B. I will attach it to my complaint.

I want this removed ASAP. I am currently consulting a lawyer. I have anxiety that this has contriuted to. I am also a victim of the breach at XXXX. 

I keep being told by the credit agency to call the creditor and they tell me to call the credit agency. I was even told by Credit Acceptance that they would remove it and they didnt. I called them back and they wouldnt honor it. What a joke! Where is the customer service and law abiding companies.
Consumer complaint received 2022-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX / XXXX / XX/XX/2021 XXXX XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/20XXXX XXXX / {$550.00} / XX/XX/2021
Consumer complaint received 2024-03-31
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MA)

The credit bureau ( Experian ) has been using and continues to use XXXX claim ( They responded and verified that the disputed information was accurate as reported ) as the sole reason to refuse to correct this incorrect notation of Collection in our credit report. They did that before when we tried to solve it through them, and have done the same on XX/XX/XXXX in response to CFPB report # XXXX. 

This relates to account we had with XXXX tried to get service and billing errors fixed for 22 months. We tried from simple customer support and many other levels including their Office of the President and to one of their CEO. Finally, since we also went regulatory agencies XXXX reported our account to Experian and XXXX incorrectly as Collection without informing us.

We provided many forms of clean indisputable facts to Experian including about : ( 1 ) unlawful acts, violation of consumer laws both of service by XXXX ; ( XXXX ) unlawful acts on financial aspects related to dispute by XXXX ; ( XXXX ) incorrect process of getting Collection entered to our report by Experian attributing to XXXX specifying we owe {$830.00} ; ( XXXX ) Experian, despite we providing ample proof all of these in different order as they happened refusing to remove collection with XXXX says so as a sole reason and against facts to contrary provided by us ; ( XXXX ) subsequently XXXX sent our account to ICSystems for Collection on XX/XX/XXXX ; ( XXXX ) XXXX  dismissed that collection based on facts and determining we should not owe any money to XXXX on XX/XX/XXXX. 

We reported these events subsequent to our original contact to Experian. These are indisputable hard proof of facts we also submitted in case # XXXX we submitted to CFPB for Experian to remove the incorrect Collection notation from our credit report. Hence, of the two parties here, XXXX has every reason to lie ( which they have done ) on this matter probably to mask various blatant consumer and regulatory infractions. 

Since CFPB and Experian have access to those records, we are not providing all of them in this case again. 


CFPB has complete oversight on ( XXXX ) the financial dispute process when we were getting service from XXXX - leaving aside other service violations of XXXX and ( XXXX ) all other collection related actions pertaining to Experian records.
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (UT)

Lockhart , Morris & Mont called me originally back in 2018 for this debt and when I had originally discussed this with them, I asked them for the original documentation in details about the payments that had been applied for this debt that I had paid before it got sent to collections, because I did not agree with the amount they said i owed. I went back to the originally creditor and asked them for a statement of account in which they refused to provide to me and said it went to collections, therefore it was no longer up to them and that I needed to deal with the collection agency for all matters. 
I recently sent them a certified letter asking for REQUEST FOR VALIDATION OF DEBT and they responded within the 30 days, however, they did not respond with the information that we asked and within their response, they stated they are responding to the request for VERIFICATION which is not what I requested at all. At the top of the letter in bold and capital letters it states, REQUEST FOR VALIDATION, NOT VERIFICATION. In their response, they sent paperwork back for the original debt, but had only summaries of the debt not complete calculations of the ins and outs of the payments received, amounts reapplied, or even where this random shipping and handling charge came from. 
I sent a 2nd letter informing them they that they did complete what was requested, and even included their original response documentations with markups of what we were requesting along with another letter. Their response came shortly after only to be the exact same documentation with NO CHANGES OR BREAKOUTS like asked. Again their letter back states they are responding to my request for verification when i asked for VALIDATION. 
Validation of debt and verification of debt are two separate things when it comes to credit and debt reporting. 
I wanted break downs of the dates my payments were made, why their summary said no fees yet their total summary on a different page has late fee 's but no explanation and they have a shipping and handling charge of {$150.00} that I do not know anything about and I am not being given any information about this either. Especially since I have asked for them to provide the information as to how I acquired the debt and how they got their calculations. Within the 2nd letter sent back to them, on page 7 there are multiple notes pointing out the discrepancies within this billing and they have not provided me those calculations or information about how they came to be. Especially the shipping and handling fee of {$150.00} since this is a student tuition debt.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX Chase offered a XXXX pt welcome bonus for their XXXX Checking account. Here are the details : https : //accounts.chase.com/consumer/banking/online/sapphireUR? XXXX & XXXX & XXXX I applied XXXX Checking account in XX/XX/XXXX and transferred over XXXX USD cash and securities combined around XX/XX/XXXX, which satisfied their condition to get the welcome bonus. I still did not received the points until XX/XX/XXXX. 

I talked with the clerks in the branch twice. 
1st conversation happened on ( about ) XX/XX/XXXX. One of the clerks reviewed my deposits. The clerk thought what I had done satisfied all the requirements and then escalated my case. After that I found my XXXX monthly fee was returned but no points were received. 
2nd conversation happened on XX/XX/XXXX. Another clerk reviewed my case and thought I was qualified for the welcome offer. After that the clerk escalated my case again. No response was received until XX/XX/XXXX. 

Will attach the document ( XXXX info contained ) if necessary in next steps.
Consumer complaint received 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Reason ( s ) n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; Account name : XXXX XXXX XXXX  Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX XXXX, Account name : XXXX 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
Consumer complaint received 2022-04-04
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)

Hi. I am writing because i received a letter that says that someone is trying to dispute in my behalf. Please be assured that it was I who processed my CFPB report. I hope you do something about it and help me out with my concern.
Consumer complaint received 2022-03-09
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: LEXISNEXIS (GA)

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX Virginia case # XXXX, XXXX XXXX case # XXXX ..., XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX XXXX XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., XXXX XXXX case # XXXX ...., and XXXX XXXX case # XXXX ...., this information was put on my credit report because of LEXIS NEXIS and LEXIS NEXIS 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 Thank you for helping rectify this situation. I feel at this point my rights have been violated.
Consumer complaint received 2019-06-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. Collections West, Inc. (AZ)

I am a XXXX XXXX of a company here in XXXX, AZ. I had a collection agency call for XXXX employee who i sub contracted from time to time. I explained several times that the customer/debtor was not here and that she had filed BK. Since then they have called back several different times after I asked not to call. I don have 2 recordings of conversations.
Consumer complaint received 2022-04-04
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. (GA)

This was not sent in error, I am a consumer by law and there's false information on my credit report it's been well over 30 days and I have not received any investigation results
Consumer complaint received 2019-04-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (GA)

Receivables Performance XXXX Is reporting on my credit report and I never received a notice from them. I only saw it on my credit report recently and immediately contacted them. This debt should have never even went to collections, it was sent in error. 

I am aware of my rights and I do know that collections companies have to send you a 30 day right to dispute to give you the opportunity to dispute it or take care of it and I was not notified. Because this recently showed up without notification it has affected my financing causing me to possibly lose my house. I have contacted my attorney and am prepared to take legal action.
Consumer complaint received 2020-09-16
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. (NJ)

On XXXX XXXX 2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 XXXX a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I just received a letter from XXXX XXXX. How does what the XXXX is saying trump this? I do not owe this money! I have satisfied my student loan debt and these accounts from XXXX XXXX should be removed. This is a sham and a scam. XXXX XXXXXXXX is defunct so exactly who do I send the money to, the tooth fairy? Give me an address and a phone number of someone to contact. The number on my credit report is incorrect. XXXX WILL NOT RETURN MY CALLS!!! I've left three voicemails on their fake consumer advocacy number. They are no helping they are trying to con me out of money that I do not owe according to THE FEDERAL GOVERNMENT.
Consumer complaint received 2023-04-12
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. (MS)

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

15 U.S.C 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We were notified by Bank of America that they were closing our checking account. It happened after the suspected fraud in one of my savings accounts. They said they have the right under the agreement to discontinue business when they want. They then seized {$3200.00} of ours without telling us why. They said they were investing where the funds came from. They come from my paycheck. They said there were still investigating every time I have called. That was over 4 weeks ago. I want my money back and they say just keep calling back. I am getting no where.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (IL)

Last year I moved to a new residence and I was delinquent on my final bill from XXXX because they did not have my new address on file. I paid off the balance ( about {$100.00} ) immediately after learning about the situation from a debt collector ( Diversified Consultants LLC ) about two months ago.

Two people from XXXX AND two people from Diversified Consultants told me that this debt collection account would be removed from my credit report/history within a couple of weeks after payment but it is still listed as open/active.

The collection account is still listed on my credit report and I am seeking to have it removed because 4 people promised me it would be removed. 

Please let me know if there is anything I can do to help - thanks! 
XXXX
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CO)

I am part of the automatic relief group with the XXXX vs XXXX lawsuit. The Dept of Education was ordered to have our loans related to this lawsuit completely discharged from our servicer accounts and the loan servicers were required to remove this debt as if it never existed from our credit history, by XX/XX/2024. To date, XX/XX/2024 my loans have NOT been discharged and Navient has NOT removed these loans from my credit report, thus breaking the agreement by the courts on both. Navient is claiming they have not received any instruction from ED and they are still awaiting discharge instructions. ED has not responded to any of my inquiries.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.