davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

LVNV has failed to send the legally required validation or response to my request for validation of account number XXXX. I have sent you Debt Validation Letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, and XX/XX/XXXX, having return receipts signed by you ; suggest that you have received the letters. 

I. LVNV/XXXX/Resurgent Capital knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. 

II. LVNV/XXXX/Resurgent Capital failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

III. LVNV/XXXX/Resurgent Capital communicated and is continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, malicious, and intentional acts, I have suffered and continue to suffer general and specific damages. I am now demanding the immediate and complete removal of this tradeline from my credit reports Please understand that I am extremely concerned about the consequences of the actions LVNV is having on my life and would like a quick resolve.
Consumer complaint received 2021-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc (MD)

The medical office charged {$300.00} for services one XXXX XXXX that were not provided by the physician. I disputed the charge when the bill was initially received in early XXXX with the physicians billing service and initial collection agency. I believed the matter to be settled, because I did not receive any additional communications from the physicians office or initial collection agency after mid XXXX, nor was anything placed on my credit report at that time. A new collection agency, Bay Area Receivables inherited the files after the initial collection agency went out of business and placed the item on my credit report in XX/XX/XXXX. I had not been contacted and only found out in XX/XX/XXXX, after I logged in to view my credit report.
Consumer complaint received 2021-06-08
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: LEXISNEXIS (MD)

On XX/XX/2021, I requested a copy of a credit report from LexisNexis. I received a copy of this report on XX/XX/2021. 

On XX/XX/2021, I submitted a request via Certified Mail to LexisNexis to validate a Bankruptcy with the US Bankruptcy CourtXXXX XXXX to be listed as100 % accurate with no missing information. 

The letter certified letter was received by LexisNexis on XX/XX/2021. In response, I received a letter dated XX/XX/2021 that LexisNexis contacted XXXX XXXX XXXX to determine the accuracy and completeness of the information they are reporting. However, they did not verify the information to be reported 100 % accurate with the US Bankruptcy Court-XXXX XXXX I also verified with the US Bankruptcy CourtXXXX XXXX in writing that they do not verify or validate information with ANY Credit Bureaus or Credit Reporting Agencies such as LexisNexis. 

On XX/XX/2021, I sent a second letter via Certified Mail to LexisNexis to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as 100 % accurate with no missing information. 

The letter certified letter was received by LexisNexis on XX/XX/2021. In response, I received a letter from LexisNexis that they were unable to process my request at the time. 

As of XX/XX/2021, LexisNexis continues to provide Bankruptcy information to Credit Bureaus and have not verified said information to be 100 % accurate with no missing information with the US Bankruptcy Court-XXXX XXXX. 

Furthermore, the information is not being reported accurately & correctly with all Credit Reporting agencies. 

This inaccurate information has a negative marking on my credit and is affecting my ability to obtain credit as well as my credit scores. 

I would greatly appreciate it if you can make written contact with LexisNexis and request that they verify with the US Bankruptcy Court-XXXX XXXX in writing the information they are providing to Credit Bureaus to be 100 % accurate & complete.
Consumer complaint received 2018-02-12
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. (GA)

I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX XXXX Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/XXXX, I logged into my account with NFCU and requested a check of {$220.00} be sent from my account XXXX to my XXXX account. Normally, when this payment is made, it comes from a different account- ending in XXXX. 

When I submitted my payment, I changed the drop down box to be the account ending in XXXX, however NFCU still debited my account XXXX. In doing so, they twice debited the account and charged {$29.00} NSF funds. 

NFCU has been unwilling to admit their error, and will not refund me the {$58.00} in fees I have been charged. I believe this error was made on their part because of their buggy bill payment service, and not a mistake on my part. I would never schedule a payment for an account with no money in it.
Consumer complaint received 2021-08-19
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. (CT)

Hello. I've been sending out disputes to all 3 bureaus XXXX, XXXX, and experian since XX/XX/XXXX which were my first letters for inaccuracies and Violations of The CFRA that are on my credit report. For 9 months all these bureaus will not budge and do what is lawfully my right to have these accounts deleted and removed from my credit report. 
It is now XX/XX/XXXX and still these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX XXXX that have been reaged and have been in Violation For months now which I have proof of. 
Also 2 accounts which are over the statute of limitations : DEP OF ED XXXX XXXX DEP OF ED XXXX XXXX that the dept of Ed is reporting and XXXX XXXX XXXX XXXX Which is in violation because it is reporting Activity in the payment history section after this account has been closed and charged off 4 years ago. 
As well as XXXX  reporting my name As XXXX XXXX XXXX which is not my name. 
My name is XXXX XXXX XXXX. I don't even know where XXXX  comes from or how it got on my report. 

They keep violating my rights by not doing a proper investigation and breaking the laws of the FCRA from what I've read by not deleting these accounts that are obviously not reporting correctly. 
Please help me to make them delete these accounts which they are lawfully bound to do because these accounts are creating so much stress In my life and I'm a XXXX woman with a number of health problems and this is not Fair to me. Thank you.
Consumer complaint received 2021-06-08
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: Santander Consumer USA Holdings Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I have used XXXX XXXX to access my Equifax report. There are hard inquiries on my report that I wish to dispute with Equifax, but Equifax is not responding to my needs through the fair debt collection practices act.
Consumer complaint received 2021-08-19
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. (SC)

Someone used my information and I have fraudulent inquiries on my credit report. I have asked XXXX and XXXX and Equifax to remove these, and I have followed all procedures they have asked of me, and they refuse to help me. I have mailed in several times, the paperwork they asked for- and its the same lie of we didnt receive it. I have proof I did in fact send it many times!! 

These are the inquiries : 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 2021-06-08
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: CMRE Financial Services, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit ReportingAct 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Experian does not care about FCRA violations. I disputed an account with them on XX/XX/2021 regarding a Collections Account I had no knowledge of, with a company called XXXX XXXX. They finished their investigation ( report # XXXX ) and concluded that the account would remain. Frustrated, I uploaded documents showing that I had sent correspondence to Amsher through their online portal, through e-mail, and through physical US mail requesting debt validation. Experian ignored the fact that XXXX refuses to respond to my requests for debt validation, they also refuse to acknowledge that XXXX violated my FCRA rights by giving me no notice of this debt, at all, in any form, and have decided that this account should remain on my credit report. I request that Experian be held accountable for these bad practices.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

When filing disputes I was under the impression that the Bureaus had 30 days to reply to my request is this not true? .. It has been way over 30 days we are going on 6 months now and NOTHING!!! .. What do I have to do to make them reply to my request?. I have already took the time to file disputes and now am having to take the time to write a complaint all because they refuse to do their job.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When filing disputes I was under the impression that the Bureaus had 30 days to reply to my request is this not true? .. It has been way over 30 days we are going on 6 months now and NOTHING!!! .. What do I have to do to make them reply to my request?. I have already took the time to file disputes and now am having to take the time to write a complaint all because they refuse to do their job.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I ordered from XXXX  ( seller ) 48 rolls ( XXXX XXXX XXXX XXXX XXXX ) times 25 case,1200 single rolls, each costs XXXX cents, total {$670.00}, around XX/XX/XXXX. 2020. After I ordered I checked the status of delivery. But the company website was disappeared. I felt this was scam. So I called my credit company, Chase. Not to pay it. And the agent told me Chase is not going to charge to me {$670.00} because I cancelled off very quickly around 24hours. I believe what Chase said. But Chase paid {$670.00} to the seller and charged to me around 2 months later. So I go to dispute and Chase close this case because of time frame. I have to pay it. The seller send me around 8 rolls times 20, 160 single rolls, each costs {$4.00} ( {$670.00} divide by 160 ) no brand name junk white toilet paper.totally different as they described. I tried to contact the merchant but their website is disappeared. I wish I return to get my money back.but I don't know where they are. I believe Chase made mistake because the agents work at home. Technical mistake. {$670.00} is big money for me during this corona virus season. I'm trying to survive my business. Please help me. XXXX bless you XXXX bless America. Thank you.
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (CA)

Xoom has been nothing but an aggravation and will probably not only not use it again but lodge a complaint with the proper authorities. 

Seems I am a XXXX  for believing Xoom would be quick and easy. Several promises were made in the promotion : Next business day ( your money will typically arrive next business day to any bank in the United States ) Only bank name and account # needed ( Step 3 : Choose any bank in the US. Step 4 : Enter your recipient 's account on our secure page. Step 5 : Conveniently pay ) 'verification department ' was 'starting to process ' for a couple of days and never responded to inquiries. 
Status messages never received - i had to call them and endure a typical 'customer care ' experience. 

Seemed to be what I needed : quick transfer of some {$3800.00} so i submitted a request on a Friday evening, XX/XX/XXXX. Completion was promised Monday night, XX/XX/XXXX. Repeated checks of status only had 'verification process started. ' Even after the due date. Finally today ( almost 4 days later ) i called and they said they needed 'more information. ' They never asked or sent a status on that. The info they 'needed ' were some irrelevant issues, e.g., why? For an amount under $ XXXX it seems they must have been treating us as drug dealers. Now they have sent it onto another department and said it will be an additional business day! 

Multiple messages sent to their customer service, including to the 'verification department. ' No relevant response received. 

Poor service, not as advertised.
Consumer complaint received 2018-02-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

On XX/XX/XXXX my wife, XXXX XXXX, and I, XXXX XXXX XXXX, applied for an auto loan and were approved by GM Financial. The term of the loan is seventy-two ( 72 ) months at 0.00 % APR with a first payment due date of XX/XX/XXXX. 

The tradeline was first reported on XX/XX/XXXX which reflected an original loan balance of {$55000.00}, the term, a monthly payment amount, and a current and joint responsibility account status. 

As of today 's date, XX/XX/XXXX, my credit report indicates that GM Financial has not provided a payment history or current account status ( please see attached ). We note here in passing that we have successfully made two ( 2 ) payments each in the amount of {$770.00} on XX/XX/XXXX ( which was scheduled on XX/XX/XXXX ) and on XX/XX/XXXX ( which was scheduled that same day ) ( please see attached ). Notwithstanding our timely payments, GM Financial has failed to report our current account and payment history status to the major credit reporting bureaus since their initial tradeline report on XX/XX/XXXX. 

In an effort to resolve this issue, I called GM Financial 's customer service department onXX/XX/XXXX, waited for almost fifteen ( 15 ) minutes to speak with a representative, and was advised that they do not show any derogatory information reported on our account and that they typically report every thirty ( 30 ) days. The proposed resolution was that the representative would contact their credit report team and have someone call us back as soon as possible. When I requested the information that was last reported to the credit reporting agencies, the representative was unable to offer any information other than no derogatory information has been reported. When I requested to speak with the credit report team, I was advised that they do not accept customer calls and only accept internal emails from representatives of GM Financial.
Consumer complaint received 2021-02-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA (AK)

I have attempted for the last few months to talk with both XXXX, the original debtor and PHEAA who apparently decided to try and collect on something discharged in bankruptcy almost THREE years ago. Normally, I understand student loans might not be considered able to be discharged, however, mine was a hardship case due to a horrific injury and loss of a business that left me unable to work. PHEAA shows this as closed on all credit reports, but they NEVER should have been able to report it to begin with and if nothing else, how can they report it as LATE/COLLECTIONS every month, yet agree it was discharged and closed?? TIRED of fighting them!
Consumer complaint received 2021-02-14
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: CL Holdings LLC (TX)

Upon calling I informed them that the account is someone elses so they would not send any documents and said they dont have any. Plus the original debt appears to be over seven years old and I dont have a XXXX XXXX card which is the original creditor and now this is a debt collector
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

Chase bank allows customers to signup for their credit monitoring service Chase Journey.

I tried canceling this service however their customer service agents dont understand what it is. I want Chase to stop monitoring my credit im no longer a customer.
Consumer complaint received 2018-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WA)

An inactive that I have had for many years was cleaned out by an identity theft. There were many red flags during the transaction when my money was stolen, and Chase employees ignored them and handed over my money with no attempt to call me or my parent cosigner on this account ( the account was opened when I was very young, over 30 years ago ). The thief had my statements diverted to a gmail account and I had stopped receiving the statements. Since I wasn't getting statements I was not aware of the theft. Since I did not notify Chase about the theft, because I didn't know about it, WITHIN 30 days of the theft, Chase has refused to reimburse me, AND they also charged me {$20.00} per month for this account from the time of the theft to the time I discovered it, because the amount dipped below the {$15000.00} that was the level it needed to have in there to avoid the fee. I have worked with Chase employees at my local branch, all the way up to the " executive branch '' at a national level, and all refuse to accept responsibility and refuse to refund my money. I can't be the only one this has happened to. Chase made XXXX XXXX dollar profit XXXX quarter 2017. What is a nothing amount of money to them is a serious financial blow to me- I was saving that money for my retirement.
Consumer complaint received 2018-02-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OPN XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.