davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MT)

I received notification of the bill in the mail. I paid XXXX XXXX XXXX XXXX  XXXX XXXX  {$480.00} bill in full via credit card by mail. The charge cleared my account on XX/XX/XXXX. Subsequently I received a bill from a collection agency XXXX XXXX XXXX representing the XXXX XXXX XXXX XXXX XXXX XXXX  demanding payment in the same amount of {$480.00}. I paid this amount also via electronic check which cleared my account on XX/XX/XXXX. On XX/XX/XXXX I received an alert from Experian stating that my account had a negative remark. Upon review I see that there is an entry for XXXX  XXXX XXXX  {$480.00} in collections reporting as outstanding. I DISPUTED THIS ERROR ON XX/XX/XXXX with Experian. On XX/XX/XXXX Experian FINISHED the investigation and reported no change. This false entry has caused my credit score to plummet close to XXXX points. I reached out to the collection agency and was advised that they would look into the duplicate payment. They said that the entry would be removed however they have not. This one Account I paid twice is on my credit report twice negatively. Once as XXXX XXXX  XXXX XXXX. Same account shows up as XXXX XXXX XXXX XXXX. The collection agency. Both have been paid. Both reporting delinquent and negative for years now.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (IL)

According to the LexisNexis Risk Solutions website, I have the right to request a copy, free of charge, of the information that LexisNexis holds about me in a C.L.U.E . ( Comprehensive Loss Underwriting Exchange ) Report. 

On XX/XX/2023, I submitted a request for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a SECOND REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted Complaint # XXXX with the Consumer Financial Protection Bureau ( CFPB ) which details LexisNexis refusal to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA. LexisNexis response to the CFPB dated XX/XX/2023, failed to address my request for my C.L.U.E Report with COMPLETE SOURCE DATA in any way. 

On XX/XX/2023, I submitted a THIRD REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a FOURTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a FIFTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a SIXTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a SEVENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted an EIGHTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted an NINTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a TENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted CFPB Complaint # XXXX which details LexisNexis refusal to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA after ten requests. 

On XX/XX/2023, in response to my CFPB Complaint, LexisNexis provided a letter addressed to the CFPB which was, in the kindest of terms, another nonsensical mess. In their letter, LexisNexis states : RE : Request for File : On XX/XX/2023, LexisNexis mailed a copy of his file to XXXX XXXX for his review. 

LexisNexis intentionally misled the CFPB by failing to identify the exact report and/or file that they claim to have forwarded for my review. 

On XX/XX/2023, I submitted an ELEVENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted my TWELFTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

As of the date of this communication, LexisNexis is STILL refusing to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA.
Consumer complaint received 2020-12-12
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (IL)

I was forced, to Pay off Navient, ordo. I had to borrow money at first to pay them tap them off ; ebb and flow because they nagged, so hatefully, it was like, What's happened ; to you Navient. And, quickly or so {$50000.00} I think was coverage ; and by my 400 hours/ month working in the XXXX. Then I'd work 12 years as a Representative of XXXX XXXX XXXX, or XXXX : no since signatured off of loans ; ha, Added Taxes, fees ; and penalties not to mention, the threats. so in XXXX I did finally, pay off, and because now Navient is under a Settlement provisionary, in XXXX ; I want someone to gummy back and go reach back from the XXXX of the thrones of where my money, is handworker for, and as said, in settlement, {$15000.00} open- door ploy and policy in service, thanks. I am a public service working ' participial. And, additional, money that could be refunded ' now you know my service with-it and degree, state ; then know. I do
Consumer complaint received 2022-01-12
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: BARCLAYS BANK DELAWARE (CA)

We hired XXXX XXXX to initiate a new United States Visa application to Travel To The United States and correct the issues involved with the previous Visa. We had an agreement with the merchant that all issues will be resolved and they would assist with the application process until my friend was able to re-enter the United States under the terms of agreement and the given cost agreed. XXXX XXXX has continued to charge my card additional fees and has stopped responding to my emails. I have been charged over {$4000.00} on my credit card for these services and they are asking for additional fees after the associates at XXXX XXXX made mistakes and did not submit the proper forms in the initial application. 

I called Barclays Bank in regards to a dispute and they told me I only have 60 days to dispute. In this specific matter it takes longer than 60 days to know iff the merchant will perform the agreed duties being paid for.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (OH)

On XX/XX/XXXX. I received a notice via email that 4 accounts were deleted. I spoke with a representative on XX/XX/XXXX in the fraud department where the representative helped me with the disputes. I have had a fraud alert on my XXXX credit report since XX/XX/XXXX. 

The reason for the deletion is because I uploaded my FTC documents and Drivers License and Social security information with my correct name. My name was reporting incorrectly and there were accounts that should not be reporting. So I received an update that they were removed immediately. 

Today XX/XX/XXXX. I received an email of reinsertion of all the accounts that were deleted. I spoke with a representative and he stated that it was never deleted. I told him it was, I have copies and proof. Then stated he the reason it was reinserted was because they received more documentation from me. But they never did. The documentation that was received was sent in XX/XX/XXXX when I spoke with the Fraud department and he corrected my name and city of my address. I asked him to explain why it was reinserted again just to clarify, he stated it was because they received documentations from me. I asked him when, he proceeds to say he doesnt know because he is having system issues. Not acceptable, because I know when it was submitted and asked to be transferred to fraud department. 

Call was transferred to XXXX in Fraud Department. The same thing was explained to her and she also stated that it was pending investigation. I expressed to her AGAIN, that the accounts were deleted on XX/XX/XXXX and I have proof and they need to be removed permanently. 

She still stated that theres nothing she can do. This is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. They did not receive that information in one day from all the creditors. They deleted due to the circumstances of the accounts reporting.
Consumer complaint received 2023-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC (OH)

rocket mortgage sent me a packet saying I was approved for {$98000.00}. I went to court for divorce, waived all my rights to a trial, took the deal from ex to get the house because I believed I was able to get the mortgage. got home, called them to start application process and was told I did not qualify. nothing in the packet said I did not qualify. my attorney looked it over and thought it looked good as well. I was so upset.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC (SC)

Not too long ago, I obtained a copy of my credit report and was shocked to find unauthorized credit inquiry reporting on my credit report. I have reached out to the company to remove the credit file. Under the fair credit reporting act the violation of my rights, which is illegal and causing severe damage to my credit report.
Consumer complaint received 2021-06-09
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)

Several disputes have been submitted regarding these accounts since XX/XX/2020. You can not validate a debt without following the proper validation laws. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.
Consumer complaint received 2022-04-30
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. (GA)

XXXX, Equifax and XXXX have reported a 30-day late payment indicator on my credit report with the creditor, ( XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The two accounts from this creditor that I am referring to is the account balance of : {$34000.00} and {$110000.00}, which the account was opened XX/XX/2021, and XXXX XXXX. I have never paid 30-days late and when I contacted XXXX XXXX XXXX XXXX, XXXXhey said that their system is not showing it and that I am current and they did not report that 30-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, Equifax and XXXX and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Consumer complaint received 2022-01-13
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (DE)

Hello, I hope all is well. You previously helped my husband, XXXX XXXX, with his new TD credit card. Specifically, he was unable to see his credit card on the tdcardservices website. His old card was displaying instead of his new card. The same issue is now happening to me. My old closed card ending in XXXX is displaying, instead of my new card ending in XXXX. See the attached screenshot. 

Also, if not done so already, please update my name in your systems from XXXX XXXX to XXXX XXXX XXXX. Marriage certificate and drivers license are attached.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (DC)

I have a mortgage with Quicken Loans. The original amount was about {$280000.00} on XXXX XXXX XXXX and I have paid every mortgage payment on time. Beginning in XXXX of this year, Quicken Loans has started hounding me to refinance my mortgage through regular, unsolicited phone calls. During one phone call, I agreed to look in to refinancing, but the only thing they could offer me was a larger monthly payment. I told them verbally that I was not interested in this offer. They continued to call me, and it soon escalated. For most of the month of XXXX, I received 4-5 calls per day pressuring me to accept their refinance offer, including week days and some weekends. I did not respond to their calls. On XX/XX/XXXX, I received an email from them requesting me to refinance my mortgage. I responded to that email requesting that they stop contacting me about it because I wasn't interested and that I'd much rather have any future mortgages through a company that wouldn't hound me this way. I continued to receive calls from them regularly. On XX/XX/XXXX, I answered another call and made it clear that I was not interested in refinancing. They were very condescending and assumed that because I was a woman, I didn't know about recent market changes that could impact refinancing rates, even though I've worked in finance for 6 years.
Consumer complaint received 2018-02-13
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: DISCOVER BANK (NC)

I have contatced DISCOVER Card a total of 15 times either by phone or mail since XX/XX/XXXX when the first DISCOVER Card account was open then in XX/XX/XXXX another DISCOVER Card account was opened. I have made numerous attempts to get this cleared up and removed from my XXXX credit report. Neither XXXX  or DISCOVER has tried to assist me or tell me what I need to do on my end to get this resolved. I keep receiving letters from DISCOVER staing they will not review. I feel like I am being singled out by a company that I have never dealt with my identity was stolen in XX/XX/XXXX. I have sent them a copy of my police report that didn't make a difference either.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I opened a Private Client Account with JP Morgan Bank in XXXX, NY XXXX in XX/XX/XXXX it's been a Private Client account until XX/XX/XXXX when I closed the account for denying me the {$2000.00} Bonus for opening the account. I contacted XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY XXXX after trying to resolve the issue with JP Morgan Chase Bank in XXXX, NY XXXX branch # XXXX. I have bank account receipts from XX/XX/XXXX thru XX/XX/XXXX describing the type of account ( XXXX XXXX ) I have at Chase.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lentegrity Management, LLC (CA)

Inquiry from LENTEGRITY on XX/XX/2024, XXXX XXXX XXXX XXXX XX/XX/2024 & LENTEGRITY LLC/XXXX  XXXX XX/XX/2024 Needs to be deleted from my consumer report immediately. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and delete these items from my report. It is my understanding that you will verify these items with the relevant creditor. If the creditor can not verify the information, please remove it. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, I kindly ask that you send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has accessed my credit report in the past six months of any corrections made. 
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
Thank you for your attention and assistance in resolving this matter.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

The Credit bureaus 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 they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 investigation here is my certified mail tracking numbers. 
# XXXX # XXXX # XXXX # XXXX # XXXX
Consumer complaint received 2021-08-20
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. (GA)

Equifax reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2021-06-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XXXX = XXXX XXXX XXXX I received a letter in XX/XX/XXXX that the debt collector XXXX XXXX XXXX, that has bought a debt from Fifth Third Bank, closed my debt account after they did not adhere to the FCRA debt validation process. {$290.00} was taken out of bank account by Fifth Third Bank without any written notification or phone calls. I previously verified the debt was owned by XXXX XXXX XXXX by mail. I did not receive any documentation by Fifth Third about the debt. 

My local Fifth Third branch banker sent me to someone else who I spoke to at XXXX today at the XXXX XXXX location in XXXX, OH. She said that I was scammed and didnt know what I was talking about. She refused to talk to the collections department she called about my concerns specifically reviewing the paperwork I brought from XXXX verifying the account was closed. She would not look at it and advised me to just pay the money today. She gave me a non-working number for the collections department. She also said there was no one I could dispute the debt with. I attempted to called her office number and it was as for someone else. Im attaching all the paperwork. 

I need the money back because I have already settled the debt with XXXX. Based on the FCRA laws and how I only received documentation about this debt. Fifth Third Bank sold the debt to XXXX without notifying me. When XXXX notified me of my account with their debt collection being closed, I was informed in writing that they were no longer pursuing the debt. Documentation is attached. 

Fifth Third Bank would have had to repurchase the debt. Fifth Thirds banker merely stated that the debt was charged of to collections in XX/XX/XXXX. She did not provide any paperwork. I received the documentation from XXXX in XX/XX/XXXX. I need for Fifth Third Bank to explain when the debt for {$450.00} to their bank was repurchased by their bank. XXXX needs to provide the original validated documentation. I have done my part and yet Im still be held responsible for a debt I am not obligated to pay.
Consumer complaint received 2018-02-10
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)

I tryed to dispute these accounts back in XX/XX/XXXX XXXX bank, XXXX, and XXXX  XXXX  with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from Experian showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX account.