davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION (TX)

Originally, on XX/XX/2021, I initiated a conversation with First Advantage XXXX  to file a dispute regarding an error in the credit report received after their first investigation. They told me that 'their team ' had contacted the XXXX XXXX XXXX XXXX XXXX and 'verified the case to NOT be dismissed ' and the report was not amended due to this fact. I then placed a call to the XXXX XXXX XXXX XXXX XXXX in California myself, and spoke to the Records Clerk in charge of official document files. They informed me, after I gave them my case number, that the case was in fact showing dismissed. She was confused as to how First Advantage XXXX had received the wrong information during their investigation, as everything in my file shows dismissed. I then made my second call to First Advantage XXXX, to report what the clerk had said, and the only option offered to me was to file another dispute. The original dispute took almost 3 weeks to complete, and my potential employer received notification that it was completed with no amendment, but I did not receive this notification. I only found out it had been completed when I called to get an update, and subsequently filed the second dispute. I also requested to have a supervisor call me back, so that I could get more clarification about how the inaccurate information was obtained, and to hopefully have them call the same number that I did, to verify the case was dismissed. I received a callback from the supervisor later that day XXXX Friday XXXX. She was very knowledgeable of the case up to that point, and assured me that she would take it upon herself to call the Records Clerk at XXXX XXXX XXXX XXXX XXXX to verify the information, and that I would be receiving a callback from her on Monday. It is now Wednesday of that same week and I have yet to receive a callback from a supervisor or anyone from First Advantage XXXX, even after calling both Monday and Tuesday to seek assurance that I would be receiving that call. The only response I get is that I can submit a new request for a supervisor callback, or just simply 'wait ' for her to call. In an effort to speed up the process, I sent a personal check for {$25.00} along with a Request for Copy of Official Record to the XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 and it was only just delivered today, so it will be a few more days before I am to receive that document stating the same thing that the Records Clerk told me over the phone. I don't believe it is my responsibility to take these steps on my own, let alone have to pay for processing fees to receive documents that are so easily verified with a simple phone call. My potential employer has been very patient with this process, but is unable to wait much longer for this to be settled, and I would hate to lose this opportunity due to an error in legal process.
Consumer complaint received 2020-10-29
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: Nelnet, Inc. (MA)

HI U.S. Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX ... ..How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX care credit gave me a promotional interest free 12 month, however I asked several times to please let me have a subtle payment option due to the pandemic they told me first I had to make my minimum payment do and then call back and 48 hours and then I could ask for a settle payment however however the promotion was over in XXXX nor did I receive a letter or phone call or email and now they're telling me that there is absolutely nothing that they could do I spoke to at least four supervisors and nobody was able to accomplish anything except take my {$210.00} minimum payment this is unethical and very unprofessional and I hope that it never happens to anybody else
Consumer complaint received 2021-05-26
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. (LA)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX  LISTING ON MY REPORT WHICH IS WRONG
Consumer complaint received 2021-01-10
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: EQUIFAX, INC. (AL)

There 8 total accounts regarding student loans from 2011. Four are closed with no balance but legally should be removed as they are over 7 1/2 years old. The next 4 are duplicates but showing as active. These also legally should be completely removed as they are over 7 1/2 years old but show as current. They are all Department of Education accounts. The following are open dates and amounts : XX/XX/11 {$4500.00} ; XX/XX/11 {$4700.00} ; XX/XX/11 {$7100.00} and XX/XX/11 {$890.00}. 

I have repeatedly asked all 3 credit bureaus to remove these from my credit report, with varying results. The above statement reflects my Equifax credit report.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

After pulling a copy of my credit report it has come to my attention of Not proven compliant misinformation from inquires being reported on my credit report from the following : 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX the credit bureau is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! Equifax has reported several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chicanery led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights.
Consumer complaint received 2021-07-17
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. (DC)

This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is my rights are being violated. Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, Still no response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, Transunion, and XXXX. 

I am the consumer and the natural person.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANCO POPULAR DE PUERTO RICO (NY)

I have tried for months to communicate with a credit card company with holds on the phone for hours, then I will be disconnected. I have no means of communication to settle a charged off account, and I do not wish to file for bankruptcy. My contact information is listed within this complaint. Thank you. XXXX XXXX
Consumer complaint received 2021-05-26
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. (FL)

on XXXX i sent Transunion a dispute letter via certified mail. Its been over 30 days and they still have not respond to me. I honestly believe that these XXXX  are violating my consumer rights and i have proof for my statements. They failed to verify the disputed item in a timely manner. Under 15 U.S code 1681b-permissible purposes of consumer reports, I never gave Transunion the written consent to report this account on my credit report. No consent is identity theft. Also this agency is in violation of 15 USC 1692g, they were to notify me in writing 5 days prior, I was not. I DO NOT validate this debt and as a consumer by law this account must be deleted. Thanks
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MN)

I've sent in XX/XX/XXXX, and XX/XX/XXXXChallenge letters asking for Debt to be removed that's not mine but showing up on my XXXX  report. Who's ever debt it is used a different social security number but my name. I've also called in and asked for it to be removed in XX/XX/XXXX. It's affecting my credit and also I can't get into to my online credit file because of incorrect security questions due to this incorrect debt of {$18000.00} XX/XX/XXXX. Reported XX/XX/XXXX. I've, also sent XXXX  my social security number, passport, utility bill and pay stub. I've asked them to remove address I never resided at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Source Receivables Management LLC (TX)

The company has Called me a number of times and everytime they have failed to prove id for the company they are with and keep asking for personnel data before id the company they work for. I have told them to stop calling due to them not being able to id themselves before they seek personnel information. They called on the XX/XX/XXXX and XX/XX/XXXX and on the XX/XX/XXXX i told them not to call due to that they would ask for information without letting me first know what it is was for.
Consumer complaint received 2022-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (MN)

Recently on XX/XX/XXXX I filed a dispute with the credit bureau XXXX. I noticed this company showed up on my credit file as a loan account showing " IN GOOD STANDING/EXCELLENT PAYMENT '' history, I quickly filed a dispute with XXXX. I never approved of this loan, nor does it show up as an Inquiry on my credit file. They just popped up out of nowhere on my credit file. I never gave this company my personal information such as, date of birth, social security number, or address, and have no idea how they got it. Just after a few days of reporting I was making excellent payments, its now showing " delinquent '' payments, and " first payment never received ''. The attached document shows that I supposedly made an " on time '' payment in the month of XX/XX/XXXX which is not true. Very contradicting and suspicious company. I believe this is a fraudulent company trying to get money out of me. Please see attached supporting document.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Greetings, I am a customer of CapitalOne, XXXX and XXXX among others. 

I have credit cards with them. I have been struggling to make my payments because of the pandemic. They refused to lower my interest rate ( XXXX and XXXX have done it ), even though most financial institutions are obtaining access to money for very little or no interest in order to pass this to the consumer and help the people with this pandemic. 

They have not offered me any serious relief nor assistance. 

Please assist. 

Thank you, XXXX XXXX
Consumer complaint received 2020-11-23
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. (UT)

I have sent several disputes to each of the credit bureaus : XXXX, Equifax, and XXXX. They have yet to send over a single correspondence to me or respond to any of my disputes. I do understand that there is a pandemic going on, but they are still legally required to provide results. They are reporting inaccurate items on my credit file that need to be fixed. The bureaus are required to respond to me!
Consumer complaint received 2022-04-07
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Four Directions Lending LLC (CA)

filled out my information for a loan to consolidate my bills. received loan agreement to sign via e-sign. upon review they are trying to charge {$2300.00} on {$350.00} loan. that an apr of 700 %. if i hadnt been diligent about reading the loan documents i probably would be getting wallet XXXX right now.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

National Credit System Dates Ranges on My Report XX/XX/XXXX to XX/XX/XXXX Never received letters of debt Collection Accounts pops up XX/XX/XXXX requested debt validation with documents nothing received but yet the states verified with no response back to me or proof of verification which I have requested 2x with no luck and no other form of communication theyre giving
Consumer complaint received 2022-04-07
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. (CA)

So for about a year no equifax has failed to report my account accurately. I have about 4 credit cards that are not reflecting on my report and an auto loan that they fail to report. But I didnt think It was a big deal until I needed to move out of my home. I got approved for a apartment but they couldnt pull my reports. First it was frozen so I called equifax, they said they fixed it then 3 days laters the freeze wasn't removed and they need me to send paper work proving my identity. I did that. still nothing and they said everything is okay but when the leasing company tried they still couldnt pull my reports. 

I ended up loosing the apartment and have to sleep at relatives home for about two weeks. Equifax has failed me, I think its a technical issue but no one can pull my reports from equifax. I applied for an auto loans and same thing " cant pull equifax report ''. This has affected me so much. Besides them not reporting all my accounts, not letting lenders pull my reports even though they say I have no freeze or alert, equifax is also reporting false accounts. I have never had a credit card with XXXX. I need this fraudulent account removed immediately. I am prepared to lawyer up at this point because equifax is failing as credit report agency and refusing to help resolve the issues at this point.
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (CA)

On Wednesday, XX/XX/2021, I received a call from an unknown number at XXXX XXXX PST. I did not answer, but I received the following voicemail message : " Hi this call is regarding a summons being served in XXXX XXXX County to ( states my name and then age ). You will be served at ( my address ) or at my job. This is a process server scheduled from out of XXXX XXXX County courts to locate you at your home or place of business. If you still work for ( company name ) you can expect a legal documents served to you at your work by a process server for court. If you have any questions call the filing part attorneys right away at ( phone number ). I work for XXXX XXXX and my name is Mr. XXXX XXXX XXXX. I could give you more information but you have to call me with your summons ID number ( gives the number ) to get the information. Thank you and good luck in court. '' I then received the same message at my house phone number right afterwards, as well, as my brother in law and sister in law in other states. Several family members have been contacted by this same person and phone number. 

When I looked up the phone number, it leads me to National Credit Adjusters. 

I received in the mail a bill from a different company, XXXX XXXX XXXX with a National Credit Adjusters , LLC listed as the current creditor. I have since paid this bill. 

I am not aware of any other debt with National Credit Adjusters.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (TX)

I am filing this complaint because XXXX, XXXX XXXX, World Finance Co, and XXXX XXXX/XXXX/XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX for XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX for XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am filing this complaint because XXXX, Capital One, XXXX XXXX XXXX, and XXXXXXXX XXXX/XXXX/XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
Consumer complaint received 2020-10-29
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: DISCOVER BANK (GA)

MY NAME IS XXXX XXXX XXXX. My family was diagnosed with the coronavirus I booked an XXXX  a couple of days before they tested positive as soon as I realize they tested positive for XXXX I had to cancel the reservation and now they wont give me a refund it really shows you how discover doesnt care about their customers and I want everybody to know that after this resolution is done with Im done banking with discover and will tell everybody I know to never bank with or have a credit card with them and if they do they better close it and the same goes for XXXX. 
They had the nerve to tell me the reason I couldnt get a refund is because if the people are traveling with me they cant grant a refund first off my sisters suffer from XXXX. I can not travel with them alone and you think they cared when I said that? Nope discover didnt either