davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (NJ)

consumer financial helped me two months ago and removed a old debt and a collection agency off my credit i made the complaint and the collection company removed them self off the report since XX/XX/XXXX anothe collection company pheonix financial solutions bought the debt and reported it new on my credit report when original bill was XX/XX/XXXX. the statue of limitations ran out XX/XX/XXXX. I would like this removed since the prior collection agency debt recovery services, did not have the discovery or validation of the debt i'm pretty sure that this pheonix doesnt have any paper work either since they bought a 6 year old debt that wasn't even valid from XXXX. Can you please help me and het this debt removed off my credit report its illegal what Pheonix is doing they know its a 6 year old debt and they are reporting it as new its lowered my score i have r1 credit please help you were so helpful last time, Thank you for your time, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-31
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 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 XXXX XXXX
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-31
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. (KY)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2023-01-31
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. (KY)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2023-01-31
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. (TX)

This is regarding my Experian Credit Report. I submitted a dispute on XX/XX/XXXX for Experian credit report # XXXX disputing a loan account on the report with the name " XXXX loan account ''. I asked them to remove the loan account from the report since it is no longer being serviced by XXXX. Their resolution on XX/XX/XXXX says that The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. 

I have attached a copy of the email provided by XXXX that the load is no longer being serviced by them. XXXX no longer has any ownership of my loan account. They transferred the loan to another provider, XXXX XXXX, and I have been making regular payments to them. 

The Experian credit report is inaccurate on the following points. 

Status Updated Date is XX/XX/XXXX. If Experian says that they investigated my dispute and the information on the account was confirmed and updated as of XX/XX/XXXX, why is the installment loan account still in good standing when there is no payment made after XX/XX/XXXX? This is because they no longer service the account and have no financial relationship with me. 
Provider Name is incorrect Balance is incorrect This XXXX account is no longer active and it will never be updated since I dont make payments to them, and they dont service the account anymore. This account has not been updated since XXXX and is harming my credit score and credit worthiness because it represents inaccurate and misleading information.
Consumer complaint received 2023-01-31
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX 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 XXXX, Equifax, and XXXX are 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 ( XXXX ), before the end of the XXXX 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.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 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 XXXX XXXX
Consumer complaint received 2023-01-30
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: DISCOVER BANK (NC)

Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off on my credit. Now tell me how's this reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and you did not provide me this information. You also, never sent me a 1099 cancellation of debt form. You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Approximately late XXXX or XXXX of XXXX, we fell behind on our mortgage by XXXX months. Our original loan was bought by Wells Fargo. We We tried to work with them on getting a loan modification. Wells Fargo told us to stop any further payments until the modification was complete. They constantly requested all kinds of documents which we completed timely and would send as requested. This went on for some time as they would say that either we didn't send in time or that they were not found, they would shuffle our representatives we were working with, saying that they were on vacation or no longer with the company and we had to start again. This went on for almost a year, and then they just foreclosed on our house, at which point we hired a attorney who advised us to file bankruptcy. We were told by our attorney that they're actions were a typical complaint. Now I understand that they have lost a class action suit due to those actions. I have contacted their mitigation rep. regarding this matter and was told that they would research it and contact us. It has been a while and we still haven't heard back from anyone about this. Given the former circumstances, I am not surprised. We feel that we should definitely be included in this. 
Therfore we want to officially file a claim against them.
Consumer complaint received 2020-05-27
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. (MO)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, ( Original Creditor : ), XXXX. 
Company Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian PIN does not work for unlocking credit freeze. 

I can't get Experian to temporarily lift a credit freeze. On XX/XX/XXXX I set up a credit freeze with Experian. I was issued a PIN to lift the freeze when desired. 

In about XX/XX/XXXX I attempted to get my credit freeze lifted for one time on their website. I used the PIN I was issued on XX/XX/XXXX. Experian said that the PIN was not valid. I then mailed in documentation proving my identity and Experian sent me a copy of my PIN, which is exactly the same PIN that I was originally issued. 

Today I tried to use my PIN to unlock my freeze for one week. The Experian website said that the PIN was invalid. I also called on the phone and an automated attendant told me I must send in many documents in order to get my freeze lifted ( after validating my identity and taking my PIN ). 

It seems that Experian wants to make unfreezing a credit report so difficult and impractical that no-one will ever want to freeze their credit report.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, via email Capitalone spark visa card asked me to verify my ID and Social security number by XX/XX/XXXX or the account will be closed. 

By XX/XX/XXXX, I had obtained a copy of my social security card from social security administration. I had provided the social security card, passport and XXXX utility bills to capitalone by fax to the fax number they had provided. 

Capital one has suspended the account while waiting for the documents flow through their system. 

I was never made aware of the suspension or any deadlines for the suspension. 

I was operating under the date of XX/XX/XXXX deadline. 

I have wasted hours on the phone dealing with this lack of adherence to accepted normal business and legal procedures.
Consumer complaint received 2023-01-30
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. (MI)

I am writing to request a correction of the following information that appears on my Experian consumer report. XXXX XXXX, account Number : XXXX* didnt update the details of date is inaccurate, the date last active is inaccurate, date of balance last reported is inaccurate. I just wanted to make sure everything was reporting 100 % correct according to The Fair Credit Reporting Act ( FCRA ) once notified of an error, FCRA requires the credit reporting companies to do a reinvestigation after you dispute the accuracy or completeness of the information. To my understanding everything was not 100 % accurate, Please remove the account because I have the right to bring a lawsuit. If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. I have attached a copy of my report with the account in question circled
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CT)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/2022 I sent a letter as a consumer to CapitalOne submitting a billing error dispute. Upon receipt of the letter on XX/XX/XXXX CapitalOne closed my account. I called CapitalOne to inquire about why my card was closed and they stated that I asked for a refund of previously made payments which is against there card agreement. I asked for them to send a copy of this card agreement and they declined stating they did not have to. I stated how can I agree to something that I have not confirmed receipt of and you wont provide for me to view. I completed a attorney general complaint as well. CapitalOne violated 12 CFR 1026.13d ( 3 ) They closed my account without investigation and it was directly related to the letter I sent for billing error resolution.I remained in honor and paid the amount on the account as it continued to incur interest.

Then later reported to the consumer reporting agencies different reasons other than that it was related to a request for billing error resolution. That constitutes fraudulent and deceptive business practices. This closure of my extension of credit greatly impacted my credit score.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I applied for the XXXX XXXX as I am a sole proprietor in need due to XXXX. I am eligible for the XXXX XXXX, and was approved by the XXXX for a loan of {$8000.00}. These funds were disbursed to my Chase bank account. Chase however told me that I have to show proof of my business, and I told them that XXXX already approved me as I had already proved this with copies of my federal taxes which includes my Schedule C. Chase did not believe that I am a sole proprietor and did not give me the money. Chase closed my account and said that they will send the money back to the treasury. However, I just checked my XXXX loan and I have to pay this money back. I called XXXX and was told according to their system, the money was not returned. When I went to Chase to ask for proof of that they sent the money back they did not give me proof.
Consumer complaint received 2023-01-30
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)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 
The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return ACCOUNT NAME : 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 XXXXXXXX I also sent these companies certified mail in dispute and they do seem to take care of this notice. Below is attachments of the certified stamps, consumer report, ID, XXXX, Bank statement. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

CCS collection is tryna collect on two debt from me of {$470.00} and {$250.00} without sending the proper paperwork I need PROOF showing that this in indeed my debt I got a paper in the mail with my name and address on it with a bill that can not be verified that it is real. Anybody can send a fake bill but I need Actual proof that this is my debt I need paper showing that I was paying on these bills A signed contract with my name on it My monthly statement of my paying the bill. 
I know my FCRA laws and youre not following these laws
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (IL)

I was told that I could call my creditors & they would work with me to help me during this pandemic financial hardship. In XX/XX/2020, I called Westlake Financial Services, whom I have a vehicle loan with & spoke to a customer service representative. The reason for my call was to tell them that due to Covid-19, I had been out of work since XXXX. I was told by the representative that I needed to make a payment or my vehicle would be repossessed. I made the payment with help from a friend. I am unable to make a payment this month & I am afraid that my vehicle will get repossessed. I purchased the vehicle to get me to & from work & for family travel. This financial service company is not working with their consumers & I do not know what else to do.
Consumer complaint received 2023-01-30
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 (NJ)

A payment of {$2200.00} was made to XXXX 's Discover credit card in error in XX/XX/2022 Called and had customer service correct the error Three months later Discover put same amount of payment on XXXX XXXX  card again as a CHARGE It has been corrected twice since then - XXXX, and XXXX. 
XXXX 's credit card has been paid in full with XXXX balance for 5 months since error was correct ( second time ) - and now the charge has been placed on his card again for XXXX statement ( due XXXX ) Have called numerous times, spoken to different people, executive office, and emailed CEO with no reply. This is an error by Discover. When talking to representatives it sounds like this amount {$2200.00} was transferred somewhere but they can not tell us where and trying to charge our son for this error.