davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
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: Velocity Portfolio Group (PA)

Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland credit management is falsifying I owe XXXX for credit card bill. I had no knowledge of this debt until it was on my credit report. I tried to explain to multiple representatives when I lived in a family household someone may have used my information. I asked midline multiple times for a signed contract with my original signature, a IP address to pin point where/ when this account was setup. Still they have not produced any documents with my signature as proof. Requested this fraud entry to be removed so I do not have a pursue legal action against Midland credit management
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I put a freeze on my sons ' TransUnion credit report under the XXXX  Minor Credit Protection Program. In a letter from TransUnion dated XX/XX/2017, they stated, " We will remove the Credit Lock automatically from the child 's TransUnion credit report within 30 days of their 18th birthday. '' My son is now XXXX years old and trying to rent an apartment and his application was denied because there is still a freeze on his credit report. We can not be the only family that is beyond frustrated by the incompetence of TransUnion. Please help us and other families resolve this unfair and unjust violation of TransUnion 's own policy. 

Thank you
Consumer complaint received 2020-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.
Consumer complaint received 2020-07-07
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. (IL)

Received today, a report from Equifax credit bureau updating XXXX.This is not a new complaint, but XXXX name changed from XXXX XXXX to XXXX approximately 15 years ago. I was a co-signer in 2002 for my son for School. His loans was in deferrment, and he has been paying them, and why do I have to pay when he is. XXXX  re-submitted on my credit report and his credit report. This was 17 years ago. Becoming I'll, filed bankruptcy 5 years ago, the trustee was sending payments to XXXX which they were getting paid twice a month..I 'm on XXXX.
Consumer complaint received 2022-07-04
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-06-29
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. (OR)

In XXXX there was a collection from XXXX XXXX for an unpaid phone bill that appeared on my credit file. 
I was in the process of refinancing on my Mortgage and all unpaid collection account needed to be paid in full in order to complete the Loan. 
The account was settled. I was told by the XXXX XXXX department that this will be removed from my credit file. 
Now in XXXX this XXXX account still appears on my report. 
This account does not belong to me.
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (TX)

I have contact Experian several times regarding an account XXXX on my credit file. Experian continues to report an account that this company has told them to delete. XXXX has even sent notice through CFPB stating the following yet Experian has not removed this account from my credit file..From XXXX  " We have previously responded to a complaint from this consumer under complaint number XXXX. We have already requested that this matter be deleted and removed from the consumer 's credit and this can be verified with the credit bureaus directly. 3rd party applications and services that supply this information to consumers may not be fully updated, so you will want to contact the credit bureaus directly if you are still seeing them listed there ... I am continuing to see XXXX open my credit file and it needs to be deleted immediately. Experian is in violation and I will be forced to take legal action if this account from XXXX is not removed.
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (AZ)

On XX/XX/XXXX of 2019 XXXX was debited from my checking account after services were cancelled. This was communicated as " final amount owed '' to cancel service. I paid and went to new company. I then received a bill for another amount. I disputed the {$120.00} with my bank and they deemed the amount to be correct and agreed after speaking with XXXX. On XX/XX/2019 a charge for XXXX was debited from my bank account to correct dispute and deemed resolved with XXXX and myself, XXXX XXXX. 
since XX/XX/2019, I have received this same debt on my credit, first from XXXX XXXX and then now most currently sunrise credit. This debt has been fulfilled, services were cancelled in summer or 2019 and new service was acquired with different cell provider. 
this debt continues to harm my credit and money was taken from account and paid directly to XXXX, I can not get a hold of anyone at XXXX  that knows what to do and how to resolve and have proof amount was paid out of my checking account to creditor. Amount has changed from {$120.00} to {$120.00} to now {$130.00} for " fees '' associated.
Consumer complaint received 2020-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  ( the worse ), Transunion and XXXX  are taking two and three months to update account information and updating credit scores. This is affecting my credit score and balances on my accounts when it takes them months to update.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

I received an email alert saying I have a new document to read on my Victoria Secret credit card account online ( in XXXX of this year ). In the letter stated they were closing l my credit card due to inactivity. I had a XXXX  balance on it and had it for over a year. In XXXX of this year we had this COVID 19 pandemic. I obviously wasnt worried about using my credit card to buy bras  panties ect when my grandfather was on his death bed for a couple of months. I tried re applying and the operator said they usually do not re open closed accounts. I dont understand it was on good standing besides the 2 times I was having bank issues and my checks bounced. But that wasnt the reason for the closing because I changed my bank continued making payments and purchasing. Id love to open a new card. I tried already and got deed. Its on my credit report and Im worried it has impacted my score. This same exact thing happened with my XXXX XXXX  credit  card and my XXXX XXXX credit card. I need some advise on what to do. 

My credit score was quite good and I'd love to have kept it that way. Unfortunately thats not the case anymore
Consumer complaint received 2020-06-03
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: Consumer Portfolio Services, Inc. (AL)

I have inquiries on my XXXX  report that I dont recognize and I tried calling all the companies they dont have any clue why they on my credit. Report I didnt try to apply for any credit I want those inquiries removed off my XXXX  credit report
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Account # XXXX I purchased a bedroom mattress and box spring around 2019. I have been disputing the balance that appears on my credit report..XXXX  employees were recorded on several phone calls about me disputing this account for several reasons. First off I wanted to return the merchandise after about 3 months. They wanted me to deliver the merchandise at a storage facility in which my girlfriend at the time felt unsafe. We decided to keep the items. At this point you will see they are charging off an un agreed amount. I think they do this on purpose to maximize their profits and loss. I have questioned this many times but when I call they place me on hold and the call always gets disconnected. What I want from them are the final financial figures so that my soon to be attorney can bring them into court to see exactly what the final amount is for the written off balance that they claim to have on my credit report. Also they are still reporting this account as a charge off but yet we agreed to settle this account and it be removed from my credit report. The FCRA is very specific in the penalty and fines for violations. What this company has done is intentionally damaged my credit. They refuse to reply to my requests so unfortunately I have no other alternative but to request a full itemized summary through here and in lieu of a lawsuit moving forward I will ask one last time that this tradeline be resolved by removing it entirely from my credit report immediately
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (NJ)

I've sent a letter for validation back on XX/XX/XXXX. I was not sent all of the items to confirm validation. 

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2020-07-07
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. (WA)

This will be the third time I will have had to have the negative information removed for the same issue, previous equifax dispute XXXX account in question is -XXXX XXXX- on my trade line with equifax. This collection company has re-aged the debt and falsified payment info as well. the original creditor is XXXX XXXX  XXXX XXXX. This trade line from the original creditor was removed twice already from my equifax credit report. This account was was also removed from a previous dispute with the CFPB XXXX. It is back on my equifax credit report. This is not my account. I'm enclosing the original dispute investigation as it shows XXXX XXXX could not verify the debt and it was removed.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$8900.00}
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Blakely-Witt and Associates, Inc. (TX)

In Accordance with the Fair Credit Reporting Act Blakely Witt & Assoc Account XXXX has violated my rights. 

15 U.SC. 1681 section 602 A, States : I have the right to privacy.

15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

Due to the COVID 19 pandemic I have had to find a new ways to pay workers of my company. I figured Id use the Chase online web portal because I have used it in the past with recipients with success. 

On the date of XX/XX/2020, I tried to make a XXXX payment to an employee via the Chase online website from my Chase business account. The recipient has a chase account as well so the transfer should work just fine I assume. I first sent a payment of {$5.00} to my employee using the employee 's phone number option linked to there XXXX account. It ended up not going threw so I tried using the employees email address to send {$2000.00} and that payment went threw. I assumed that the {$5.00} that did not go threw would have been refunded to my account however it has not been. 

On the date of XX/XX/2020 I tried to send the same receipt of whom I had sent {$2000.00} to previously with success, another {$1000.00} using the same recipient option on the Chase website portal to send the money, but entered there phone number assuming that the number and email and accounts are linked. Which according to the recipient are, and with proof on the recipients screen shots from XXXX they are. But for some reason when the phone number is entered in the Chase/XXXX   portal the payment transfer does not go threw. 

So a couple hours after sending the {$1000.00} on XX/XX/XXXX my employee is telling me they had not received the payment so I contacted the Chase to let them know the payment did not go threw. They did some looking up and I ended up finding out that the {$5.00} payment form XX/XX/XXXX had never been refunded and now the {$1000.00} I sent using the recipients phone number had been sent out but not to my recipient. I had my recipient show me her screen shots of the accounts linked and I have provide that in these documents. We had XXXX check to make sure the phone number is linked to the recipients account and they say it is. We both called Chase together on a shared call to get to the bottom of this to explain how the accounts are linked with the recipients phone number and email on XXXX. After a lot of back and forth explaining to Chase there systems error they finally told us theyd open a claim and I should be refunded within 10 days. 

On XX/XX/2020. I received a letter from the bank telling me that they will not refund my {$5.00} payment or {$1000.00} payment to me. I am writing this letter because Chase or XXXX has stolen or misdirected my payment and neither company will let me know where my payment went, even though I have documented digital proof that the accounts are linked via phone number and email.
Consumer complaint received 2022-11-07
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$2500.00}.
Consumer complaint received 2023-08-01
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: Block, Inc. (FL)

I submitted a dispute with the company cash app to investigate a fraudulent merchant selling digital products I didnt receive. They offered a 30 day money back guarantee of which I provided proof to cash app. In the amount of {$99.00} and {$39.00} to XXXX XXXX  XXXX. Cash app has failed to investigate relying on software and auto replies without doing due diligence and protecting their clients. This is fraud. Cash app offers no protection to users who use a debit card for purchases. Im seeking my refund for the digital product and service of {$99.00} and {$39.00} from products I never received. Ive attached the transaction and the 30 day money back guarantee proof. This company cash app needs to be investigated as they do not protect consumers once so ever. Its all automated with no investigation into fraudulent transactions. 
Transactions occurred on Cash app ID # XXXX