davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I submitted a complaint company replied saying they had never received a disputes however i have paperwork from XXXX XXXX and XXXX showing disputes with no success. Also the company listed five accounts on response but are reporting nine on my credit report. The written dispute i sent to themI received no response on either. Company is a Fraud and needs to remove all negative information its reporting of my credit report Immediately. I have No Contact not Signed Agreement. I also have printed complaints from other online who are victims of this company. There are laws to protect against such businesses and i will seek LegalAction against all parties who fail to hold them accountable.
Consumer complaint received 2022-06-18
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. (MN)

XXXX deleted and removed the following account from my XXXX credit report over 1 year ago for the account being a fraudulent account : XXXX  XXXX # : XXXX, balance # : {$2000.00}, XXXX has put and listed the fraudulent account back on my credit report. The account is not my XXXX account. Im frustrated and tired of XXXX putting fraudulent accounts on my XXXX credit report after sending XXXX the Federal Trade Commission Identity Theft Report and steady informing XXXX Im a victim of identity theft, but XXXX continues to put and list fraudulent accounts on my XXXX credit report. Something has to be done about this recurring issue and problem. The U.S. government has to investigate these credit bureaus and take over the credit bureau industry because XXXX, Equifax and XXXX XXXX continues to violate the Fair Credit Reporting Act ( FCRA ) and do whatever they want to do without following federal law and violating federal laws, by continuing to do the same thing putting fraudulent accounts and credit inquiries on peoples credit reports, even after receiving notification from people that, that person is a victim of identity theft, the account is fraudulent and unauthorized, and not that persons account. XXXX continues to put fraudulent accounts they previously remove from my XXXX credit report back on to my XXXX credit report like the above XXXX XXXX account. Its very frustrating because it hurts and drops your FICO credit score instantly.
Consumer complaint received 2018-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I have contacted the Pennsylvania Higher Education Assistance Agency ( DBA XXXX ), 4 separate times about waiving my in-school deferment for my Grad Plus loan and direct consolidation loan in order to make qualifying payments toward the Public Service Loan Forgiveness program. 

Each of the times, I've gotten a different answer. All of these answers allege that there is a " required form '' for waiving the in-school deferment. One of the answers claimed that the form would be provided in my electronic inbox with XXXX within 24 hours. Another claims that XXXX policy prohibits providing this form except for by mail. No such form has been provided to me by any means. 

In one of my contact attempts, I sent a secure message requesting that my eligible loans be taken out of in-school deferment. Clearly not having read the message at all, XXXX instead canceled my direct debit registration and took no action on my deferment. 

XXXX continues to refuse to take my XXXX  plus loan and direct consolidation loan out of in-school deferment. This action violates federal law, since the decision to accept an in-school deferment is solely mine. Additionally, it constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ), especially since this alleged form is not a U.S. Department of Education requirement - my other federal student loan servicer did not require such a form.
Consumer complaint received 2016-02-09
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Check Security Associates, LLC (TX)

I keep receiving several calls at my place of employment from a man named XXXX XXXX who claims to work for a Warner Location Services. I asked him to not call my employer, if this is a legal matter to please send me something in writing or by mail. He refuses and has been constantly leaving messages on my work voicemail stating I better call him by a certain time that day or legal action will be taken against me. Also states that if I do n't call him that an employment verification will be faxed to my employer. Demands that I call him back at XXXX ext. XXXX, to resolve this legal matter. When I called that number, there 's a recording that says, thank you for calling, if you know your parties extension please dial it now or press XXXX and someone will be with you. There is no introduction with a company name or anything.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been trying to close on a refinance since XX/XX/XXXX with Bank Of America. Today is XX/XX/XXXX and still dealing trying to close. What I thought would be a quick and smooth transaction has become my worst nightmare. My XXXX XXXX has been up every single day because of the stress of having to deal with this ordeal. I have a car loan with them so I thought this would make things even easier since I am an exemplary customer but in the contrary it has been the WORST possible process I have ever dealt with. So much that I do not recommend anyone to do business with them EVER. I have felt so badly mistreated that I feel there is something else happening. I have over XXXX credit score, I make well over XXXX, my credit to earning ratio is also low so why all the mistreatment? I almost felt this was because I'm XXXX doing better than the average person. Underwriting process was horrible I was being scrutinized by something like a XXXX payment like if I was a criminal. I would provide evidence of all transactions via my banks tool on the website, It was not enough for them I created PDFs, snapshots everything imaginable until it was finally accepted. Then Proof of work I used my companies HR tool that generates an official letter regarding a process an employee is going thru. We'll this was not good enough for them they had me get someone from HR ( HRs direction was to use their tool XXXX  because that's what everyone uses and accepts ) to physically talk to them and verify that I did work for the company. As if HR has the time to be doing this for each employee? I thought this was 2021. After that was done I thought I would finally be done with all this. but that's not the case It has taken so long I had to once again provide bank statements after that I had finally gotten a date for the notary to come out to the house and sign all documents, which it happened notary came out I signed what had to be signed and praised the lord that it was over. But that was not it. to my surprise now my wife needs to sign even though she's not in the loan. Something about it the law in Texas that she has to sign for the title. So fine I'm ok with that should be something quick right? we'll not according to Bank of America. New set of closing disclosures have been provided which I though would be the same since I had already singed them and we just need my wife to sing just for the title since she has nothing to do with the loan. but to my surprise the loan amount has increase and cash to close has also changed XXXX. So now I'm once again in the Limbo my monthly payment was due on the previous bank I did not pay it because the payment would now come in the new mortgage but since we still haven't closed I have no clue now were I stand. The only help I have really received has been by my loan advisor ( he should think about changing companies ) he has tried so hard to help me close this out but something some other people are just a roadblock
Consumer complaint received 2021-02-13
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: HCFS Healthcare Financial Services of TeamHealth (NJ)

I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (GA)

I had a pre-approval offer with Chase because of my long standing account that was perfect history. I applied they did a hard pull on my credit file for which they would not inform me of what credit bureau they pull from. I was declined even though I have a XXXX credit score. Very misleading advertising and pre-approval notice is dishonest practice.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

I deposited my payroll check that I worked for at chase bank on Saturday for {$860.00} and they told me that the funds would be made available today but they are not available!!!!!! I worked for that money and they are withholding it for no reason longer than they said they would. I want my money that I have a legal right to spend on bills that I worked for!!!!!
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (MI)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX 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 XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-02-13
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: CAINE & WEINER COMPANY, INC. (NJ)

I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.
Consumer complaint received 2022-06-18
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. (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2022-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (IL)

XX/XX/2021, I discovered that my service provider did not pay the 2nd installment property taxes on my VA loan. The bill was sent out XX/XX/2021 and due XX/XX/2021 I called them and ask them to pay the bill to avoid the home being placed on the list for tax lien sales. They stated the SLA is 5-7 business days and it would be addressed.

It was still not addressed, so I sent emails and kept calling over and over again. 

In XXXX they informed me they paid, however, I contacted XXXX county to verify that they informed me that the taxes was not paid. I have been battling with this company for way too long and spent countless hours begging them to pay the taxes. The funds are in my escrow. They agreed again they would pay the taxes and the late fees would be extracted from their account as it is their fault that the taxes are delinquent. 
They finally paid the XX/XX/2021 tax bill on XX/XX/XXXX, I confirmed it with XXXX county, however, they did not pay the late fees. 

I am to my wits ends and frustrated that a service provider would be so lackadaisical about paying taxes. I've escalated asked to speak to managers and the result is always the same, no movement. 

They deducted my escrow account twice for the one payment and I have been begging them to correct it but like everything else with this company it is a nightmare.

This isn't the first time that they messed up my escrow, which ironically is put in place to avoid tax lien and here I am in that situation. 

I am exhausted, I sent my last email a few minutes ago and I want some assistance as no customer should not have to go through this. It takes minutes to pay taxes online. All this company has done is lie. 

This has been going on since XXXX, I shouldn't be constantly told it will take another week dragging a simple task on for so long.
Consumer complaint received 2022-03-04
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Consumer complaint received 2018-05-13
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. (MI)

XXXX XXXX XXXX XXXX continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate report.
Consumer complaint received 2018-05-13
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. (MI)

XXXX XXXX XXXX XXXX continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate report.
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-03-04
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: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC (GA)

To whom it may concern, I have paid off a few Omni Financial loans during my time in the military. I see there is an lawsuit against Omni Financial. I'm inquiring about the overpaid interest that customers were recieving refund checks from the overpayment for interest on the loan by the company. 

I have moved a few times since my first loan years ago and injuring if this applies to me as well. If so, please see my contact information below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Very respectfully, XXXX XXXX
Consumer complaint received 2018-12-13
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. (MA)

I'm not sure why i keep getting the same parrot information from the EXPERIAN, XXXX, AND XXXX that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called E-Oscar to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA. 

Look that the 2 cases below : XXXX vs. XXXX revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate. 

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, 357 F.3d at 431. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX willfully violated 1681s-2 ( b ) when it reported the XXXX and XXXX accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''. 
Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly. 

These cases above explained in detail how the true verification should take place with the bureaus. 
I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.