davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-24
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)

Letter of Complaint : Refuse to Validate Debt Beginning in XXXX, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX XXXX, XXXX, or Experian has not responded, or updated the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX XXXX, XXXX, and Experian claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Consumer complaint received 2020-06-24
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. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX  XXXX {$64.00} XXXX  XXXX {$590.00} XXXX  XXXX {$340.00} XXXX   XXXX {$1200.00}
Consumer complaint received 2023-01-09
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. (NJ)

XXXXTransunion credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. Per FCRA, reporting must be XXXX XXXX accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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 2023-01-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (WI)

PNC Bank XXXX Wi XXXX XXXX XXXX employee of PNC Told me my mother set up an account that she wanted me to have after she passed away XX/XX/2012. 

XXXX formed me person to person that the money was not in the account anymore. 

I didnt know about the account my oldest sister XXXX XXXX XXXX did and possibly my oldest brother XXXX XXXX XXXX who were to over see the final requests of my mothers after she died. 

To this date I cant get it rectified with my siblings or PNC bank XXXX I no my sister was aware of the account she got angry with me when I questioned her after speaking with XXXX XXXX then. 

Where did the funds go! I was speaking with XXXX about car loan information that day and she informed me that the account was set up and I believe she knew the amount but said it was empty then. 

Then didnt say anything I immediately called my sister in Arizona to speak about it and XXXX XXXX XXXX XXXX XXXX XXXX  for finding out the information on that account telling me I wasnt to have learned of the fact. 




XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (MS)

This is the several time I've complained about being a victim of identity theft. The XXXX Credit Bureaus must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX : {$18000.00}
Consumer complaint received 2023-01-09
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. (NJ)

XXXX and TransUnion credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the XXXX parties. Per FCRA, reporting must be XXXX XXXX accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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 2024-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$470.00} Account Name : XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$410.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2018-12-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Mortgage established more than three years ago with automatic payment from my checking account. For the last month or so, the autopayment selection on the Chase website has been reset to " no '' without my knowledge or consent. When I try to reset it to " yes, '' I continually get the same error message on the website ( using two different computers, two different internet providers and three or four different browsers ). It is not a problem with my computer.

Chase customer service manually reset the autopayment once -- after I spent an hour on the phone with them. However, several days later it was reset to " no '' again. I am unable to change it back because of the website malfunction described above. 

I have a " cashback '' benefit from Chase for paying my mortgage from my Chase checking account automatically. I believe the bank is deliberately resetting my autopayment selection against my will and deliberately preventing me from resetting it in order to disqualify me from the mortgage cashback benefit.
Consumer complaint received 2020-06-24
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)

Letter of Complaint : Refuse to Validate Debt Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX does not respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Consumer complaint received 2023-01-09
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. (FL)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or remove the following items that are harming my credit : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date of the last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this account. I asked that it may be removed. 

XXXX XXXX XXXX date : XX/XX/2022 I have no knowledge of this inquiry. I disputed it and asked that it be removed, XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this and asked that it may be removed. 

XXXX XXXX Bank. 
Inquiry date : XX/XX/2022 I disputed it and have no knowledge, I ask that it be remove from my credit report. 

XXXX Credit File : Capital One Bank Inquiry Date : XXXX XX/XX/2022 I have no knowledge of this inquiry and asked that it may be removed from my credit report. 

Capital One Account : XXXX XXXX XXXX Late payments Actions taking : writing goodwill letters that I was strongly impacted by the coronavirus. I lost my job. And was also hospitalized. I offered medical records. 
L
Consumer complaint received 2022-06-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (FL)

Over the years I've been struggling to find a job in my field of XXXX XXXX w/XXXX  XXXX. I've reach out to the school ( XXXX XXXX XXXX on several occasions for job, and more internship assistance to no avail. I was guaranteed job placement, and the only thing I received was a dent in my credit report. Do to not being able to work in my field, and having to work dead end jobs just to pay my bills, I'm now in a financial strain. I'm very disappointed in the service I've received. What was supposed to be the best decision of my life, ended up being the worst decision of my life.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX  XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX
Consumer complaint received 2020-06-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MD)

On XX/XX/XXXX, I visited XXXX XXXX GMC dealership for the purpose of trading in my XXXX XXXX XXXX. My salesperson, informed me that my payoff for the vehicle was {$24000.00} which was incorrect. After reviewing my GM Financial Contract and talking with multiple employees at GM Financial, I discovered that GM Financial is fraudulently " overcharging ''. My first payment of {$570.00} of 75 payments- started on XX/XX/XXXX. An unknown customer service representative from GM Financial informed me that I have paid over {$18000.00}, so far. 
The total price of the vehicle, according to the contract, is {$43000.00}. The Finance Charge for the vehicle ( for 75 months NOT 30 months ) is {$11000.00}. GM Financial is failing to reduce the FINANCE CHARGES for early termination of contract.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One accused me of something, however they will not tell me what it is and start asking for a bunch of documents such as license, bank account, social security card. 
I've never had this happen before. I gave them this info when I signed up for the card. 
They can have me verify it over the phone. 

When they refuse to tell me what exactly they are ACCUSING ME OF after harassing me for about an hour I begin to think that they are fraudulent and harassing. I refuse to send documents because I have a right to address the issue or complaint. I have a right to know what the complaint IS. 

They still will not tell me and they have put a lock on my account which for future would be fine but I have an existing balance I am making payments in good faith on and they are refusing to post my payment to. I am not kidding. 

Per conversation XX/XX/20 at XXXX Arizona time I spoke with a manager at Capital One who refused to post my payment. They had been sending me emails saying they did not receive my payment. I confirmed with my bank that they did receive my payment on XXXX ( was due XXXX  ) and they refused to post my payment which they did not dispute receiving. This will be causing me to be charged for late fees, etc. My bank confirmed that they did receive XXXX on XX/XX/20.
Consumer complaint received 2020-06-24
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. (CO)

I have on 3 occasions reached out to XXXX, Experian, AND XXXX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.
Consumer complaint received 2019-07-01
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. (NV)

Credit Bureaus report this account XXXX  XXXX XXXX twice..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. They also did not give me an explanation as to why they have to report it twice.. CFPB please step up and fix this ASAP..
Consumer complaint received 2022-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Phoenix Financial Services LLC (CO)

XX/XX/XXXX - PHOENIX FINANCIAL SERVICES fraudulently reports a collection account in the amount of {$340.00} to the credit bureaus on my credit report ; disputed. 
XX/XX/XXXX PHOENIX FINANCIAL SERVICES is disputed a second time ; 2nd request for the demanded removal of the false report from my credit report. 
XX/XX/XXXX another collection similar to the last two, of {$340.00}, was placed on my credit report by a new company, XXXX XXXX XXXX ; dispute filed; same complaint in the reporting practices ; lacking foundation and proper warning notifications to alert the party of such an existence to this debt, such potential resolutions, or such desire to dispute prior to reporting. 

No attempts to reach or inform the party prior to reporting to the credit bureau had been attempted, by neither company ; this is in direct violation of THE FAIR CREDIT REPORTING ACT, in conjunction with THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT ; whereas both debt collection companies involved are in violation and are hereby being reported for operating fraudulent business, and lacking proper adherence to all federal or state laws in which they are required to operate under. 

The next subsequent motion is to issue a demand for discovery to audit both companies, which will uncover truths to these acquisitions ; which will lead to the suspension of the company to operate any further business. 

Prior to requesting an audit of the two debt collection companies involved in the infraction of conducting business fraud ; we will seek an order to resolve this matter, outlined below : Both companies ; PHOENIX FINANCIAL SERVICES and XXXX XXXX XXXX  are practicing unjustly under false and unethical pretenses ; providing immediately that this illegal and inaccurate collections report be promptly removed from my credit report to avoid imminent escalation.