davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (WV)

Phoenix financial has two accounts listed on my credit report that is a violation of fair credit laws. The first problem is validation. The second problem, another violation I have no idea what these amounts are for or the date because I never received a notice stating I owed the amounts of XXXX and XXXX or any detail how they calculated amounts.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

Wells fargo paid me {$500.00} in installments for the opening accounts scandal. But this doesn't cover what their employees did to me XXXX and XXXX XXXX. I didn't receive the {$500.00} all at once. XXXX XXXX is an outright slanderer. She slandered me at wells fargo causing me to lose my new checking account on XX/XX/XXXX. After running back and forth. But I was being set up by XXXX XXXX for her to try & have me arrested by the police & those employees at the XXXX XXXX location were involved. XXXX XXXX caused me and my son lots of problems. We have been harassed by our neighbors because she is using her, a position as a district manager to harass me. Due to her slander, she caused my son in XXXX to be XXXX  by our neighbor. But it was XXXX and XXXX XXXX intent to slander my name to get others to hate me. It's the reason why I can't have a checking account or any type of loan if wells fargo is on the store credit card. I can't have an auto loan through them or anything. XXXX XXXX doesn't want me to have a thing. But with my son being assaulted in XXXX was crossing the line. She has had all her renters harass me. But everything is in her favor because she talks a good talk & turns it around on me saying I harassed her & everyone believes her side of the story. I have a right to be angry about how XXXX XXXX meddling in my life. Wells fargo went along with her lies. She didn't care that she was messing with my life or financial well being.
Consumer complaint received 2021-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

I was previously contacted by this collection agency in XXXX about a debt to a doctor that I do not know. I have never even met this doctor. Supposedly this is about a XXXX that I had in XX/XX/ 2019.

But all of the medical bills were related to that XXXX were paid for by my medical insurance company. This bill was paid in 2019 by my health insurance 100 % and I have no obligation to this doctor. I don't even know who the doctor is. 

I explained all of this to the collection agency called Grant & Weber. They refuse to listen to me.
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This Collection Agency continues to report an account on my credit report even though it have not establish that I owe this debt.It have continued to ignore my compliance letters, For the record I have never had an account or a contract with this Agency, Therefore Im requesting that they remove any negative accounts they have in their offices from all of my credit reports,
Consumer complaint received 2022-08-01
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my creditreport in violation of Federal Law. You are required under the FCRA to have acopy 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 ( XXXX ), you statedin 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX .... Late Date XX/XX/22
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have spoke to several team members over the phone. This item was purchased in XXXX of last year. This process has been ongoing and unsuccessful. Long story short I purchased the item and it was damaged so I returned it with the shipping label provided. I never got a refund. Spent several of hours with customer care rep 's line with broken promises. I can provide proof of my lengthily phone calls with the company over the last 6+ months. They can pull the last conversation since their lines are recorded. An associate said this matter was handled and I have been refunded.I recently spoke to someone and was told this was taken care of and I will not be held responsible for this purchase.It seems as if the item was lost by the postal service during the return or misplaced at Saks warehouse. At this point I no longer want to be a Saks card member after experiencing this lack of customer service. There is a current dispute in place. I have also filed with XXXX.
Consumer complaint received 2021-03-27
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. (NV)

I used part of my stimulus to pay off credit card debt and my score plummeted by 69 points on TransUnion and XXXX. I was alerted by XXXX XXXX. It's very obvious that the system does not calculate credit scores accurately. I have a 100 % record for paying timely. XXXX  is not involved with XXXX XXXX and shows the score over 600.
Consumer complaint received 2021-03-27
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: Accounts Receivable Consultants Inc. (TX)

I went to the XXXX XXXX sometime in XXXX when I was diagnosed with XXXX XXXX XXXX. They gave me a monitor and did not tell me about a deductible that I had. Matter of fact they told me I only had to pay a copay of {$5.00} which I paid when I was seen. A few months later I get a bill in the mail from a collections agency ( with the wrong address on it ) about a debt that I had no idea of. When I received this letter I immediately called The XXXX XXXXr and paid the full debt, it was not settled. The XXXX XXXX never sent me any mail about this bill or attempted to contact me regarding said bill. The letter that they sent was to an incorrect address and I told them this multiple times. When I realized that I owed for this monitor I immediately paid the debt in XX/XX/XXXX XXXX I have my billing statement as evidence ). The XXXX XXXX said they do not have any type of information that this bill was paid, yet in XXXX they finally updated it. The XXXX XXXX have that I paid this debt in XX/XX/XXXX which is incorrect and is negatively affecting my credit. When I told their billing department this she said I should have updated my address, I have been at my place of residence for the past XXXX years therefore my address shouldve been correct because it has never changed. The person at the billing department told me that she would call the collections agency to update this debt and ultimately have it removed. When I spoke to her on XX/XX/XXXX she said there was nothing she could do and she was very rude about the whole situation. The collections agency also told me that they will not update this incorrect information. I have attempted to dispute the information as well. This has been an ongoing issue for over a year now. When I called the collections agency XX/XX/XXXX he would not listen, he was very rude and kept repeating that it is bad debt. I tried to explain to him that I paid this debt in full to the XXXX XXXX when I finally received the bill. We got off the phone without a resolution. They continue to update this debt on my report as if it has not been paid. They also have that it was paid XX/XX/XXXX when it was paid to the XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

The attached disputes indicating several incorrect addresses are appearing on my Experian report have been sent to Experian via U.S. mail. Both times, I was notified ONLY via email from Experian 's online portal that my investigation results were ready. In both instances Experian has REFUSED to rectify the incorrectly reported information.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (MI)

I XXXX XXXX entered into a consumer agreement with XXXX for a cell spot tower and by me being a student at the time going between jobs trying to make a living, I fell behind on the payments for it and XXXX Illegally sold my debt and Information to AmSher Compassionate Collections who are now harassing me with repeated phone calls and threats.Even with letters sent they still call with different phone numbers.Its causing me distress.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XXXX purchased a debt owed to XXXX XXXX XXXX  on a closed checking XXXX overdraft account. The original amount was approximately {$1000.00} and they have been attempting to collect about {$2400.00} through their assignee XXXX XXXX XXXX. 

I have had multiple communications with XXXX XXXX XXXX about this matter indicating that I am aware of the debt and the balance of approximately {$1000.00} but I requested validation and verification of the debt, copies of invoices, billing statements, contracts supporting the balance they are attempting to collect for about 2 1/2 times what was originally owed. 

I have made several payments in an effort to show good faith and my intentions to resolve the amount I actually owe although they have neglected to provide the requested documentation they are required to furnish by law ( FDCPA 95-109 808 = Unfair Practices and 809 = Validation of debts ). 

I also disputed this with the credit bureaus and they validated this I believe illegally because they haven't validated the debt with me so how could they respond to the credit bureau complaint in the affirmative! 

I have have already paid them {$1100.00} which is near the original amount I think I originally owed. 

# 1 FDCPA violation by not validating the debt # 2 Potential violation by adding fees and costs not agreed to in the original contract # 3 FCRA violation - validating the account with the bureau after I disputed it ( back to # 1 -if they can't validate the debt with original contracts, documentation then how can they verify the debt with the bureaus Spoke with Ms. XXXX XXXX XXXX XXXX XX/XX/2021 @ XXXX MST.. she transferred me to XXXX " Camera XXXX? - Operation Manager who was unhelpful, he stated that I need to work through XXXX XXXX XXXX even though they own the debt and XXXX XXXX XXXX is only the assignee and I explained that XXXX XXXX XXXX 's portal has my account " disabled '' to access any info and no one replied to my last email several weeks ago on the validation, documentation request. 

If XXXX had retained the account this communication issue with XXXX XXXX XXXX would not be an issue and now that there is a problem they are not taking any steps to intervene with the assignee to facilitate communication of the requested docs and resolution with my credit report.
Consumer complaint received 2022-08-01
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. (CA)

Despite the XXXX dispute letters I have been sending to the Credit Bureaus, they have failed to removet the disputed inquiries compeltely from my Credit Report and continued their reporting without proving that the inquiries beling under my name. The last leteters I have sent to them was XX/XX/XXXX with complete attachments of my personal information. Under the FCRA, I have been requqesting that the Credit Bureaus take a look to my Credit File and confirm the validity of the disputed Inquiries and send me proof of their verification and yet they have to do so! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. I am planning to pursue legal action and pursue the Credit Bureaus for their willful non-compliance with the4 FCRA regulation. The Credit Bureaus must remove the disputed inquiries as soon as possible : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (TX)

Paid Bank of the West, XXXX, California the amount of {$16000.00} ( by check ) to pay off an RV loan on XX/XX/XXXX. After waiting for 3 weeks for the paper title, contacted the Texas Department of Motor Vehicles ( Texas DMV ). Was told the lien still existed on the loan. Contacted Bank of the West and was informed the electronic release had been submitted on XX/XX/XXXX. After multiple conversations back and forth between the bank and the Texas DMV on a weekly basis between XX/XX/XXXX - XX/XX/XXXX, I still have not received the paper title for the vehicle after waiting 8 weeks since the loan was paid. I have twice escalated the issue to a supervisor at Bank of the West but no progress has been made to provide the electronic release of lien. Bank of the West indicates this is an issue with their 3rd party company that handles their e-titles but have been unable to resolve the problem. Each time I have contacted Bank of the West, the hold time for customer service is between 30 minutes and one hour and 13 minutes. These hold times are unacceptable.
Consumer complaint received 2021-02-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (LA)

I applied for a Home Equity Loan with Regions Bank on XX/XX/XXXX XXXX 
The application process was absolutely brutal including not only submitting multiple years of tax returns and W-2 's and the expected application and financial disclosure forms but also federal tax information release forms, paystubs, bank account statements, rental agreements, property insurance forms, flood insurance forms, etc I also needed to go through two appraisal processes when the first appraisal estimated the square footage of my home at XXXX less than actual. 

After months of submitting information two weeks ago only a final form was needed which was the Flood Insurance certificate with my name on it. But while the insurance company was working on this the entire loan application was cancelled (! ) that's right, CANCELLED without a word of warning because apparently an application is cancelled once it is three months old (?! ) Now I am being asked to start completely over submitting the EXACT same documents that took months for me to submit and for Regions to review. To say that this process is 'not fair ' to consumers is an understatement.. this is literally consumer ABUSE. Please do not bail out this bank the next time they are bordering on bankruptcy.. they don't deserve the help and consumers don't deserve the abuse.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these listed accounts below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (CA)

I noticed this debt in the amount of {$890.00} being reported on all 3 credit reports. I disputed the information with XXXX as this agency is used to pull with potential future lenders. In any event I am NOT responsible for this debt owed as it is due to identity theft. GENESIS FS CARD SERVICES responded to my dispute by USPS mail on XXXX XXXX XXXX and requested I send over a filed theft report online at XXXX This has been completed and the reference # is XXXX... this report can be viewed at any time.I also filed a police report regarding this matter. I then noticed that this account has ben transferred to XXXX XXXX XXXX. A debt collection agency. I spoke with a representive today at this aw firm that indicated that my account was sent to them on XXXX from th merchant. XXXX XXXX XXXX  then sent this account over to XXXX XXXX XXXX a sister company to them as a debt collection attempt. AGAIN I DO NOT OWE ANY DEBT FROM THIS CREDIT CARD COMPANY> I ave been a victim of identity theft since XXXX. Someone stold my wallet from my purse and gained access to all my personal information including my CA ID my social security card, banking information etc. This agency DID NOT PROTECT MY IDENTITY. I am asking that you REMOVE THIS DEBT ACCOUNT AS IT IS FRADULENT. I have contacted XXXX XXXX XXXX TODAY the account # XXXX. Please do right and remove this account from reporting debt that i do NOT OWE from XXXX XXXX and XXXX. Thank you. Feel Free to contact me at XXXX or email me back at XXXX XXXX
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (GA)

I was trying to get a student loan and I was talking to Ms XXXX I provide information like date of birth and social security along with the bank information. The next thing I know she went into my XXXX  banking chose XXXX put her telephone number in and proceeded to process a transaction with her phone accepting the transaction in the amount of 800.00. I filed a ddispute with regions and they denied my claim. I was suppose to receive the dispute information thru my email but nothing was provided