davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX and XX/XX/XXXX, I communicated with Capital One in request for validation for proof of debt. In addition to validation of debt of closed accounts listed. It is now XX/XX/2021 and Capital one has yet to furnish any type of verification/validation of debt. 

Rather, these accounts remain on my credit report more than 30 days post-dispute.
Consumer complaint received 2023-03-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXXXXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX  Financial XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiries I would like to bring to your attention that these inquiries have been made without my knowledge or authorization. As per the Fair Credit Reporting Act ( FCRA ), it is mandatory that any inquiry or application made on my behalf must be authorized by me. 

Furthermore, I would like to point out that the late payment account reported by XXXXXXXX XXXX XXXX  is inaccurate. I have been a responsible borrower and have made all my payments on time. I urge you to investigate this matter and remove this erroneous information from my credit report. 

These incorrect and unauthorized inquiries are causing me emotional distress and are adversely affecting my credit score, which in turn affects my ability to secure loans and credit at favorable interest rates. I request that you take immediate action to correct these errors and ensure that my credit report reflects accurate information. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-09
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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. 

Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. 

Errors are being made and it is defamation against me which is costing my family money and making me homeless ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. 

On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. 

Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! 

This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! 


I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. 

I will be taking legal action against Transunion if this erroneous item is not removed from my report. 


Sincerely, XXXX XXXX
Consumer complaint received 2020-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery and associates is in violation of FDCPA rules section 809 ( b ). 

After reviewing several documents sent to me by the company I've noticed multiple inaccuracies, of which violates federal laws : The company did not send original : documents/ letter notifying me of debt owed : The company did not provide documentation of why they believe this debt was owed by me. 

: The company can not confirm last date of activity/ payment received. 

: The company has not provided as requested license/ identification number to collect a debt in my state of Florida : The company has not provided documents of which may prove that debt can no longer be collected in my state of Florida .
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (MS)

On XX/XX/2023, a representative called and left a voicemail about a business matter with Pro Collect Inc. ( PCI ). The representative left a voicemail at XXXXXXXX XXXX The representative then called my mother 's cellular phone number ( unauthorized ). My mother gave me the message and so I called Pro Collect Inc and spoke with XXXX XXXX. She said that she was from PCI and that she was calling in reference to a matter involving a debt owed to XXXX XXXX XXXX XXXX. I explained to her that I had been waiting on XXXX XXXX to send the final ledger and that I had not received one. XXXX XXXX informed me that a letter was sent out to me back in XXXX. I told her that I had not received the letter. She then verified the address as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 

I explained to her that I had not been at that address in five years-six years and that XXXX XXXX should've had my updated address already. She then asked me for my current address. I gave her my address and informed her that the correct address was updated on the vacate notice form completed in XXXX. In light of that clerical error, I told XXXX XXXX that based on the law, I was not notified even though the client had the correct address. I even offered to send them proof of the signed form via email. I then asked if they could give me until the XXXX of XXXX to take care of the matter in light of them being given the wrong address by the client. She informed no and said that I needed to pay the balance by the XXXX to prevent the balance from being reported to the credit bureaus. I explained to her the unfairness of this. I then asked to speak to a supervisor. She said that this was not a supervisor matter. She said I needed to pay the {$800.00} to avoid credit reporting. 

I then called back and asked for a supervisor. I was transferred to XXXX XXXX. XXXX XXXX wouldn't let me explain and profusely kept cutting me off even when I explained to her that they had to validate the debt in writing. I told her I wasn't paying anything until I was sent something in writing. After all, I don't know if this company is even a legitimate one based on the level of professionalism. I spoke to XXXX XXXX several times and she also kept cutting me off midsentence which was very frustrating. 

I have no problem with paying what I owe. I just would like to validate what is owed as that is my right as a consumer. To be quite honest, with the level of professionalism, disrespect, laissez-faire attitude, and disregard for fair and honest debt collection practices, I don't feel comfortable doing business with this company. I will probably deal directly with XXXX XXXX moving forward as it seems as though I can't even get a final ledger from this company. I've received no written communication from them prior to them reporting to credit bureau.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (WA)

I fulfilled all the requirements and received a {$24.00} rebate from XXXX. Blackhawk Networks provided the debit card but did not provide the PIN number so when I tried touse the card at XXXX and XXXX XXXX in XXXX WA on XX/XX/XXXX it was immediately declined at Point of Purchase in both cases. But Blackhawk fradulently logged the failed transactions as completed and removed the money from my prepaid card. I immediately contacted them by phone and email and that is when the run aound began. I'm not alone, this company has hundreds of complaints with the XXXX XXXX XXXX for this criminal activity. I also called them at least a dozen times. I have a case # XXXX. I submitted all the documents they requested at least 5 times. Including a receipt showing that I paid the disputed transactions with my own credit card. So in order to refuse paying me back, they changed the dates on their website for my transactions from XX/XX/XXXX to XX/XX/XXXX. Exact same dollar amount and exact same store but now, with a date different from my proof ( receipt ) they could deny my proof and refuse to make me whole. It was blatant theft.
Consumer complaint received 2021-10-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Consumer Portfolio Services, Inc. (NV)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-09-03
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. (PA)

I am a victim of identity theft, from the following creditors that have fraudulent accounts on my credit profile that need to be moved immediately, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 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: TD BANK US HOLDING COMPANY (CA)

Where to begin? First, you are reporting an inaccurate payment history ; please provide me proof of the last payment, as our records do not match. Second, you are reporting the current status to be Bad debt/Collection when in fact this account was PAID and closed, where is the closed date? Please send me a copy of the last statement. Finally, change the status to Paid and derogatory estate mortgages continue violating the FCBA, 15 USC. Your statuses are damaging to my report, which would not be happening if you investigated properly before posting derogatory information.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILLING U.S. BANKRUPTCY COURT 1XXXX not mine U.S. BANKRUPTCY COURT XXXX not mine
Consumer complaint received 2020-01-23
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)

Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILINGS XXXX BKPT CT IN XXXX XXXX not mine XXXX BKPT CT IN XXXX XXXX not mine
Consumer complaint received 2020-01-16
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. (TX)

In addition to wrong information on the report. My credit score dropped after i removed a dept of {$42000.00}. I have had perfect payment on all accounts for the past 7 years. Why would the credit score drop when debt is paid? It should have gone up. 

Another problem is with " XXXX ''. I let the reporting agency into my back account and every time it comes back and says it can not boost my score. There are payment accounts that show up every month on my bank account. This is a service that does not work.
Consumer complaint received 2023-03-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-07-02
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. (VA)

XXXX XXXX This account with XXXX XXXX has a total of {$9500.00} was in open in 2008 and has been closed for some years, and now their is a new update and is showing that it has been transferred. It is a total of three account, and XXXX is no longer exist. I have sent multiple letters to credit bureau requesting to have these items removed. And it still on all three of my reports. I don't know what else to do
Consumer complaint received 2022-07-25
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. (PA)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

Experian XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX XXXX - Date of inquiry : XX/XX/2021
Consumer complaint received 2021-08-09
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: V and H Portfolio (MD)

There is still inaccurate data reporting on this account although I have disputed it before. I know for a fact that you guys didn't do an investigation because the inaccuracies are exactly the same as they have always been. Why are you refusing to investigate this account that is reporting inaccurately and keeping me from obtaining a mortgage? 

? = XXXX XXXX is QUESTIONABLE in its reporting I = XXXX XXXX is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! 
M = XXXX XXXX is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
U = XXXX XXXX is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported!

VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Account # : XXXX I XXXX XXXX? 
Account Type : I U? 
Account Type - Detail : I U?

Bureau Code : I U?

Account Status : I U?

Monthly Payment : - M I U?

Date Opened : I U?

Balance : I U?

No. of Months ( terms ) : - M I U?

High Credit : I U?

Credit Limit : - M I U?

Past Due : - M I U?

Payment Status : I U?

Last Reported : I U?

Comments : disputed I U?

account - reported by subscriber.

Date Last Active : I U?

Date of Last Payment : M I U? 
Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 XXXX XXXX
Consumer complaint received 2023-04-17
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. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

I closed my loan and refinanced with this mortgage company 3 months ago, I still haven't received my signed documents. In addition the mortgage servicing company can not display my new loan information or provide me with an avenue to pay my mortgage online. Lastly I recently received a letter from my Home Insurance company stating my payment wasn't paid, even though I have been consistently paying my mortgage on time every month. When i called CMG 's customer service line they indicated the payment wasn't paid, and the number they had was different, but regardless they still didn't pay it on time.

When speaking to their customer service hotline I ended up speaking to 5 different people, because no one would take responsibility and kept transferring me to a different group, when asked to speak to a manager they put me back in the main queue where i had to do the prompts again to get back to the customer care group. Their service was VERY sub par and the fact that they aren't paying my insurance on time is frustrating. 

Refinanced mortgage on XX/XX/21 - as of today XX/XX/21 the online portal still shows loan paid in full from previous mortgage and no new information. 

Home Insurance was due XX/XX/21, at {$370.00} when speaking to their rep today they said the payment was set as {$350.00}, but indicated it wasn't paid. 

On XX/XX/21 I called asking " XXXX '' about when the portal will be available to pay online and review my documents. She said it would be ready by XX/XX/21 60 days from when my mortgage closed. As of today XX/XX/21 nothing has changed.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (MD)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-09
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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion XXXX Solutions XXXX. XXXX XXXX XXXX, PA XXXX. 

Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX  To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. 

Errors are being made and it is defamation against me which is costing my family money and making me homeless ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. 

On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. 

Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! 

This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! 


I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. 

I will be taking legal action against Transunion if this erroneous item is not removed from my report. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My account was opened on or about XX/XX/XXXX under a promotion for {$400.00}. All promotional terms were met and the opening promotion was due XX/XX/XXXX. It is past due and the customer service rep could not advise when it would post.