davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX are IMPOSSIBLE to deal with this small debt charge has caused me nightmares. They were unhelpful and got me wrong info every time i called for hours. 

When i first got this issue I asked a colleague who does debt repair for advice. He asked what agency had the debt I said XXXX XXXX and he let out a big sigh. He said they are one of the worst to deal with CapitalOne sent bill in XXXX to an address I moved from in XXXX which i updated with the post office. That is public record but i have to blot out the address per the guidelines on this site. 

Instead of contacting me by phone or using my real address they sent to debt collector. Also note I have a different active capital one credit card ( which i can not cancel now since it will wreck my credit score further ) so they have my info but they never sent the bill Furthermore, even if i got the bill i would still not know if this charge was legit or not. Still today i have NO knowledge of what that {$130.00} charge ( which i only received via debt collector ) is for. Nor is CapitalOne or the debt collector able to provide ANY info on what that charge is for. 

I never used this CC once and opened it supposedly 9 yrs ago. Only charge ever was in XXXX which i have no knowledge of and is the one CapitalOne sent to debt collectors XXXX XXXX My wife 's purse was stolen in XXXX which we reported to local police and XXXX ( which did a 90 day credit freeze ) and to all our credit cards that we know of - it could be related but i am not sure Either way capital one aand XXXX  XXXX were totally irresponsible and this should be stricken from my credit score. 

Now i am spending months with XXXX and thousands of dollars in poor rates and to pay XXXX and XXXX XXXX still refuses to budge on this and my credit score is down about 70 points because of that. 

I despise this company and hope the FTC takes action against them. Also if you have a choice ( although I doubt you will ) NEVER use XXXX  XXXX for debt collection I hope a lawyer could help me since I would like to speed up this process of removal and would be happy to talk to someone competent at either XXXX XXXX or Capital One and modify review if they could remove this charge, but to date I have not found a competent person at either. 

I would also be happy to talk to media or anyone about this on the record since the whole credit repair process is so ridiculous and unfair. And I am sure people here have way worse stories than I do and would like to help bring light on this in hopes that the process changes.
Consumer complaint received 2016-01-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Atlantic Recovery Solutions LLC (CA)

Atlantic Recovery Soulutions ran my credit report without my permission. I have never heard of Atlantic Recovery Solutions before nor have I ever done business with them. They are flagrantly violating the Fair Debt Collections Practices Act with their illegal and deceptive debt collection tactics. I do n't want any communication written, telephone, or any other method from Atlantic Recovery Solutions.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have previously disputed Public Record/Bankruptcy / Reference # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

Experian has also responded ( on XX/XX/2022 ) with that theyve verified the public record with the data furnished but The XXXX XXXX US BANKRUPTCY Court doesnt furnish requests from the credit bureaus so whom is verifying the public record and with what documents are being used to verify.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX -Account is not related to me,XXXX times submitted a dispute, but accounts is still there XXXX XXXX account was paid off in XXXX, but i have late payment on XX/XX/XXXX, which is not true, paid off letter was provided to Experian but problem is not resolved
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (OH)

In XXXX of 2021, I had XXXX ER visits to XXXX XXXX XXXX ( XXXX, OH ). The debt ( about {$2000.00} ) went into collection last year but I paid and settled the debt ( around {$1300.00} ) with XXXX XXXX XXXX on XXXX/XXXX/2021. I have a screenshot of my bank statement. 

Another debt collector XXXX XXXX has been calling me and sending me mail about the same debt. I told one of their reps on the phone that I paid it off last year. I just checked my credit score and they put two delinquencies on my account for the debt that I have already paid. XXXX accounts ( for the XXXX ER visits ) for about {$1100.00} each.
Consumer complaint received 2022-08-31
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: AFNI INC. (FL)

Dear Sir or Madam : I've had my identity stolen. There is nothing on my credit record that pertains to any of the purchases I've made. It's because someone stole my identity and used it without mypermission. Because I filed a complaint with the FTC about identity theft, here is a copy of that report. Please remove this from my credit record and notify the relevant parties. 

Your help will be highly appreciated on this matter. 

XXXX XXXX
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

EdFinancial is giving inconsistent information regarding refunds for federal student loan payments made during the pandemic. They are quoting 150+ days to get a refund for those payments. I understand that they are overwhelmed with requests, but so is every other federal loan servicer. Other loan servicers, such as XXXX, are only quoting up to 90 days to get a refund. EdFinancial also refuses to tell me at what point my balance will be reinstated even though I have called multiple times asking. I even asked at what point it would be reinstated if it was not such a busy time for them, and the rep refused to tell me. Since each lender is getting an influx of requests for refunds, they should all have similar wait times. EdFinancial 's wait time is twice as long as any other lender and they refuse to send any confirmation emails or answer general questions about how these processes usually go. This is unacceptable as many borrowers diligently made payments during the pandemic and need their balance reinstated before their loan balances are forgiven.
Consumer complaint received 2022-08-31
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. (KY)

Sent letter for a verification of debt owed XXXX nothing received to verify Sent 2nd request XXXX no verification sent back Sent 3rd request XX/XX/25 - no verification sent back No verification that this debt is owed. Sent letter to all 3 credit bureaus and to original creditor XXXX XXXX. which also did not give any validation of the debt owed or they had the right to collect.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Corp USA (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-08-31
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. (FL)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, CHILDSUPPORT XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-02-24
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Specialized Loan Servicing Holdings LLC (CA)

The mortgage company that I am dealing with is Specialized Loan Servicing ( SLS ). I am trying to have my home appraised because I believe that it is eligible to have the PMI removed. I faxed over Authorization for Internal Valuation on XX/XX/XXXX. I waited around 3 weeks or so and still didnt receive any phone call/email/mail from SLS regarding the form I faxed over. I called and spoke with a representative and was told that they did receive the fax and that someone would contact me to set up an appraisal. I wait a few more weeks and never hear back from anyone regarding the matter. Over the next few weeks I spoke with multiple representatives who couldnt resolve the issue. I spoke with XXXX on XX/XX/XXXX and was told that someone tried to contact me on XXXX but was unable to contact me and that she would escalate the matter and I should follow up on Friday XX/XX/XXXX. I never received any missed calls or voicemails from anyone on that XXXX. I asked if I could get a contact number to the company that would do the appraisal but I was told that they couldnt do that and that I should keep my phone on me and have the ringer on loud in case that they call. I call and spoke with a representative on XX/XX/XXXX to follow up and they dont have any new information that they can provide me with so I voiced my frustrations and was told that I would receive a supervisor call on Tuesday. I did receive a supervisor call from XXXX on Tuesday XX/XX/XXXX and was told that he would reach out to the company and hopefully they would contact me within 24 hours and that he would follow up the following day. I never received any phone call from an appraiser or the supervisor. I tried calling SLS to follow up again today, Thursday XX/XX/XXXX, and cant get in contact with any representative because of technical difficulties. The representatives were all nice, but nobody could resolve the issue and most of them would tell me to follow up in a few days or the next week. It has been 7 weeks since Ive first sent the form to initiate the evaluation of whether or not I can remove the PMI on my home and nothing has been done. SLS is a joke of a company and I cant believe how inefficiently their processes are. I shouldnt have to waste so much of my time trying to get a hold of a representative who cant even resolve a simple issue. Im honestly considering refinancing with a new company so that I dont have to deal with this incompetence. There is no accountability with this company and this has been an extremely frustrating experience. I 100 % would NOT recommend anyone to use this company to finance their home.
Consumer complaint received 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (CA)

Trying to dispute all these off my credit I have no knowledge of these XXXX XXXX and XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor in the amount of XXXX {$2.00} ) grant and Weber in the amount of XXXX {$3.00} ) XXXX XXXX XXXX in the amount of XXXX {$4.00} ) XXXX in the amount of XXXX $ These are the items I need removed Thank you so much
Consumer complaint received 2023-06-25
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. (NJ)

I have received my Consumer Report and noticed the following inaccuracies : I am not liable for the debts with the following companies listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following companies not only have never entered into a contractual agreement with me but are not even authorized to collect a debt in the state of New Jersey as they are not registered to do so : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After requesting proof of the legitimacy and lawfulness for these accounts none could be provided therefore I am requesting that Equifax adhere to the Fair Credit Reporting Act by reporting only accurate information as required by law.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

A company posing as Chase and XXXX said there was fraudulent activity on my credit card account and that they were placing restrictions as a result. They asked for my SSN, picture of my driver 's license, my email, my password, address, DOB. I gave all that info thinking it was Chase : ( the website had the Chase logo, and it looked very legitimate. I thought it was them, because it is not uncommon that they send notification of suspicious activity on my account.
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Processing has been requested to complete a subordination agreement by XXXX. The first request was made around XXXX XXXX. To date, XXXX XXXX, the request has not been completed, after almost 60 days. Additionally, there is no timeline for completion. I was told today that some requests take 6 months.
Consumer complaint received 2022-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Braviant Holdings, LLC (TX)

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX and XXXX XXXX on XX/XX/2022 and I have no recollection of doing any business with XXXX and XXXX XXXX. I am in the process of contacting XXXX and XXXX XXXX but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Consumer complaint received 2022-08-31
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. (GA)

According to 15 USC 1681 section 602 i have the right to privacy.

According to 15 USC 1681 section 604a section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

My accounts on all Credit bureaus Experian, XXXX, XXXX are incorrect, If there is anything i did not include please add it in there for me.I want XXXX per violation and removed from my account with the maximum credit score adjusted immediately on all three credit bureaus. How is it they are all " supposed '' to have the same rating/scores but when i checked none are the same. The open date is inaccurate one says XXXX the other says XXXX, that in itself is a violation and it shows up 7 different times so thats 7 violations in school loans and it also needs to be removed right away, price owed on my school loans are inaccurate ( all 3 bureaus are inaccurate ), my Derogatory Accounts are all off ( only 2 match ) my Delinquent Accounts are off ( only 2 match ) Closed Accounts ( all three are wrong ) Open Accounts ( all 3 wrong.. Experian, XXXX, XXXX ) Total Accounts ( all three wrong ) Inquiries ( 1 wrong ). If im missing anything please add it in for me.. Like misspelling of my name, first and last and middle
Consumer complaint received 2022-04-14
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. (NV)

I have reached out to the following account below and talked to them about the issue with my account as reported by the EQUIFAX. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status is still reported. I am not sure how the EQUIFAX came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Hello, My name is XXXX XXXX and I'm the XXXX XXXX XXXX XXXX XXXX. My father passed a couple months ago and I've been XXXX XXXX XXXX. We recently got scammed through XXXX and the company can't do anything about it. I will be filing a police report, but would like financial assistance.
Consumer complaint received 2018-09-10
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. (AR)

In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX # XXXX Experian investigated and it came back verified. In XXXX I sent in a certified letter to Experian for a Method OF Verification, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XXXX XXXX,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed their investigation with the account XXXX XXXX # XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, I am considering filing a small claims for the non-compliance. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. As a consumer I was exercising my under the FCRA 611 ( a ) ( 7 ) to request a complete description of all METHODS used to investigate my aforementioned dispute. Experian you have willfully violated my rights as a consumer and I am in the process of filing a suit with the court for a small claims for the damages I am entitled to due to EXPERIAN noncompliance or Experian can remove this account from my credit file. Experian had plenty of time to send me their METHOD OF VERFICATION,, EXERIAN FAILED TO DO THAT,, I HAVE ENCLOSED ALL PAPER WORK AND CERTIFIED MAIL RECEIPTS THAT I SENTTHE LETTER TO THIS COMPANY THEY RECEIVED THE LETTER AS YOU CAN SEE THE DELIVERY NOTICE.AND THEY UPDATED THE ACCOUNT BUT STILL FAILED TO SEND ME WHAT I AM ENTITLED TO AS A CONSUMER PER THE FCRA..EXPERIAN REMOVE THIS ACCOUNT PLEASE.
Consumer complaint received 2022-08-31
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. (NY)

XXXX XXXX XXXX has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never applied. XXXX XXXX  XXXX acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now I cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (FL)

I tried many, MANY times to contact XXXX in regards to my late father 's phone bill. While I was in the middle of burying my father, working full time, homeschooling my child, and trying to navigate that state of the nation amidst COVID, XXXX wanted me to go to one of their stores, not just a retail outlet, a corporate store, and provide the death certificate to terminate the service. I offered multiple times to provide it online via fax, scan, email, as i did with every other single creditor my father had accounts with. XXXX refused to work with me and instead kept billing my dead father. My father passed on XX/XX/2020. I will not pay for charges i attempted to settle considering i made MULTIPLE EFFORTS to close the account due to the death.