davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2019-10-23
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. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-04
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. (VA)

I have repeatedly requested that The Commonwealth of Virginia to remove the paid off account they are reporting for me. The account was open in XXXX of XXXX. It was paid in XX/XX/XXXX and should have been removed in XXXX of XXXX. It has been re-investigated XXXX times and I have been told it's accurate. I'm not denying the accuracy of the account ; But the Commonwealth of Virginia has not been contacted to endorse the removal of this account that has been closed for 7 years. There is no longer a need to report a paid and closed account that hinders my credit.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX and ( Original Creditor : ) XXXX
Consumer complaint received 2019-10-23
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. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (FL)

In XXXX of 2021 I receive a personal loan to consolidate my debt with XXXX. One of the debts that was supposed to be paid off was Lending Club in the amount of {$6000.00}. On XX/XX/2021 XXXX  mailed out the check and on XX/XX/2021 Lending Club cash the check from XXXX  and did not apply the payment to my loan. In XXXX, I contacted Lending Club multiple times and they initially denied receiving a check from XXXX. XXXX  provided me with a check number along with notice of a truth and lending disclosure statement and that was when Lending Club admitted to receiving the check for {$6000.00} and cashed it but did not apply it to my account. On XX/XX/2021 Lending Club claimed to have mailed out a check in the amount of {$6000.00} back to XXXX. As of the date of this letter, XXXX has not received the returned check. After contacting Lending Club numerous times over the course of five months, I am continuously being told that my case has been escalated to the treasury department. I continued to ask and was not given any contact information for someone in treasury department or any other department that could assist me with rectifying the error. 

I remained faithful to my debt to Lending Club until I sought the advice of counsel who advised me to stop paying Lending Club and to file a claim against Lending Club. On XX/XX/2021 I contact my financial institution and stopped all payments to Lending Club. I currently owe Lending Club {$5800.00}. 

My goal was to consolidate my debt now I am paying double and no one will help me get back the {$6000.00} from Lending Club. 

I further would like to add that the company needs to assess its internal controls or lack thereof. It is hard to believe that the companys bank records would not reflect a missing {$6000.00} transaction for over five months and provide timely corrective actions. I hope this is not a normal business practice and other consumers are not having the same experience. 

Thank you for your time.
Consumer complaint received 2023-04-05
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. (NJ)

I have attempted several times to have this company correct its error and reporting this account is allegedly owned by three different companies. According to the FCRA reporting of an account must be 100 % accurate, 100 % complete, 100 % verifiable. How can this be when three different companies on this debt
Consumer complaint received 2023-04-05
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. (TX)

I obtained my card from XXXX XXXX on XX/XX/2021. 

In violation of 15USC 1681 ( Fair Credit Reporting Act ), XXXX XXXX has daily harassed me via email and has shared my information with third parties without my permission. 

I have communicated with XXXX XXXX several times in an attempt to resolve this issue, but the only response I have received has been increased harassment ( multiple daily emails ).
Consumer complaint received 2019-10-23
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. (RI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX****
Consumer complaint received 2021-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

In XXXX of 2021 I submitted written requests to Select Portfolio Servicing ( SPS ) requesting a Forbearance Extension ; due to still being medically and financially impacted by the COVID-19 Pandemic. 

On XX/XX/2021 I received a COVID-19 Decision Notice/Assistance Letter ( attached ) from SPS in response to my written requests and document submissions for a COVID-19 Forbearance Extension. Upon reviewing the letter, the letter states that I had been approved for a Forbearance Plan, but lists a Trial Payment Plan Payments for the following months : Payment 1 - XX/XX/2021 : {$770.00} Payment 2 - XX/XX/2021 : {$770.00} Payment 3 - XX/XX/2021 : {$770.00} It is my understanding that under a COVID-19 Forbearance and/or a COVID-19 Forbearance Extension, that the entire monthly payments are to be paused in their entirety while under a Forbearance and/or a Forbearance Extension.

Here, SPS approves me for a Forbearance, but assigns a Trial Payment Plan ( Partial Payments ) for XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

As a result of being confused with the Forbearance Extension being assigned as a Trial Payment Plan with partial payments ; I contacted SPS by telephone and spoke to a representative who told me that the Forbearance with the Trial Plan Payments was the only assistance being offered by SPS. 

I explained to the representative that there must be a mistake and that I specifically requested and submitted the required documentation for a COVID-19 Forbearance Extension from the SPS Website, and what was offered to me by SPS was more of a Partial Payment Deferral Plan and not a COVID-19 Forbearance Extension ; which pauses the entire monthly payments for a specified period of time. 

The SPS Representative stated that the Trial Period Plan was all that was being offered, and stated that there was no other assistance that was being offered by SPS. I then asked the representative to escalate the matter to a Supervisor/Assistance Program Department to discuss the matter further and was told that a Supervisor was not available at that time, but a Supervisor would call me back within 24 hours.

At that time ; I asked the representative to have someone of authority in the Assistance Program Department to contact me back as soon as possible. As of today ; I have not been contacted by telephone, mail, nor the SPS Online Messaging System by a Supervisor or anyone from the Assistance Program Department to explain the Forbearance with Trial Plan Payments ; which is not an actual Forbearance Extension as I had requested.
Consumer complaint received 2019-10-23
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. (RI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX****
Consumer complaint received 2019-10-23
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. (RI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX/XXXX XXXX XXXX**** and XXXX XXXX XXXX****
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I have a car loans and personal loans with extremely high interest rates, which caused me to check my credit report and noticed that they still had my twin brother accounts on my report, and my cousin who has the same as I do. Notice I said still because I have taken action once on trying to remove them I was told that the account would be deleted but they are not.
Consumer complaint received 2022-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX  {$750.00} dollars. XX/XX/2021 Acc. XXXX XXXX XXXX XXXX, XXXX, MA XXXX. 

In according with the fair credit reporting act, the above account stated above has violated my rights according to 15 USC section 1681. Which states a consumer reporting agency can not furnish any information on my credit report without my written consent.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth third Bank has been completely reluctant in resolving several ongoing issues. In regards to my secured card I did not want to close, I came into the branch and spoke with Branch Manager XXXX XXXX who previously had been one of the greatest banking representative I have ever dealt with. When speaking with Ms. XXXX I expressed several concerns including XXXX XXXX who is the most informal corporate representative from fifth third I've had to deal with. I decided at that point the bank was literally forcing me to close my secured card. Ms. XXXX informed me then that she reached out to her DM and that he gave her permission to close my secured card early from the XXXX dollar deposit I originally made that opened the account. I was informed that the card would be closed immediately with a XXXX balance despite the company refusing to investigate the fraud charges on the account I was not able to dispute due to fifth third Bank making errors and providing misleading information. The bank had not closed the card but rather has left it open so they can charge extra interests and other fees. I did not want to be forced to close the card then when I was told the card would be closed the bank lied and misrepresented itself and left the card open causing me a disparate impact that has left me in a worse ongoing financial and credit standing due to the actions and lack of actions by this bank and it's employees. I am making this complaint for the record since fifth third bank will not resolve the matter I have obtained the appropriate counsel to proceed further.
Consumer complaint received 2019-10-23
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. (RI)

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX****, XXXX/XXXX XXXX**** and XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2022-05-18
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: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/XXXX, we purchased an air ticket for {$640.00} from a travel agency XXXX using Apple Card issued by Goldman Sachs. The flight was canceled but the agency refused to refund the ticket. Following Goldman Sachs 's directions, I disputed the charge with Goldman Sachs several times ( dispute claims # XXXX, XXXX ), reasserted some of the claims, and provided emails from XXXX as evidence of the flight cancellation. 

All the disputes were denied without indications of the reason except for stating that I had the right to see the information that Goldman Sachs gathered to make the decision. I requested this information 3 times on the phone on XX/XX/XXXX, and XXXX, XXXX ( this time with the agent under the name of XXXX ) but have never received anything. 

I do not understand why I am supposed to pay for the service that was not delivered and why Goldman Sachs failed to supply me with the information they gathered.
Consumer complaint received 2019-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I used a Capital One Visa card to make a prepaid hotel reservation on XXXX on XX/XX/XXXX, for a hotel stay from XX/XX/XXXX to XX/XX/XXXX. However, the website experienced a glitch and the confirmation I received was for XX/XX/XXXX to XX/XX/XXXX. I contacted XXXX, which informed me that the hotel itself ( XXXX XXXX in Washington, DC ) processed the transaction, and asked me to work with the hotel to resolve the issue. 

I contacted the hotel and asked them to correct to booking. They informed me that they were unable to change the booking because the dates I booked ( XX/XX/XXXX - XX/XX/XXXX ) are not available. I then asked them to cancel and refund the booking, They told me that the booking was made on XXXX, and instructed me to cancel the booking on XXXX so they can refund me and resell the room to another guest. I followed their instructions and cancelled the booking. Several days after the cancellation, I still had not received the refund. I contacted the hotel several times and received no reply. 

I opened a dispute with Capital One in late XX/XX/XXXX, and provided them with the above information. Capital One got back to me in early XX/XX/XXXX with a rebuttal from the hotel along with the ( incorrect, XX/XX/XXXX - XX/XX/XXXX ) booking confirmation. Capital One asked me to provide proof that I indeed booked the XX/XX/XXXX - XX/XX/XXXX dates. I provided them with a screenshot when I made the booking. However, Capital One told me that this is insufficient, and unless I can provide a booking confirmation with the correct dates, they won't continue with the dispute. I told Capital One that since the website had a glitch when I made the booking, I have never received the correct booking confirmation, which is the reason I opened the dispute in the first place. The Capital One representative then told me that " their hands are tied and won't continue to work with the dispute unless I can provide the required information. '' I believe Capital One/Visa does not have the consumer 's best interest in mind, and the documentation they require is unreasonable in this case. How would a consumer has a correct receipt when they were issued an incorrect one in the first place, resulting in the dispute?