davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
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)

On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is XXXX  XXXX today on XX/XX/22 i talked to XXXX  XXXX on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.
Consumer complaint received 2022-09-22
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)

On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is XXXX  XXXX today on XX/XX/22 i talked to XXXX  XXXX on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing the erroneous accounts on my Credit File for 5 months already but it is clear that the Credit Bureaus have been ignoring my disputes. I noticed that the Credit Bureaus indicated on each accounts ' dispute status as " Account not Disputed '' despite the fact that I have been sending the Credit Bureaus dispute letters and CFPB Complaints. How can the Credit Bureaus report the Accounts as verified and accurate if is is obvious that the Accounts ' disputed status indicates as " Account not disputed ''. The Credit Bureaus have failed to respond to my letters, Claimed that the information presented are verified, and failed to send me copies of proof of verification. These actions of the Credit Bureaus is a clear violation of the Fair Credit Reporting Act. It is clear that the Credit Bureaus have become negligent of the FCRA statute. Under the provisions of the FCRA, I am requesting that the Credit Bureaus stop their erroneous reporting and have the disputed accounts deleted as soon as possible : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been disputing the erroneous accounts on my Credit File for 5 months already but it is clear that the Credit Bureaus have been ignoring my disputes. I noticed that the Credit Bureaus indicated on each accounts ' dispute status as " Account not Disputed '' despite the fact that I have been sending the Credit Bureaus dispute letters and CFPB Complaints. How can the Credit Bureaus report the Accounts as verified and accurate if is is obvious that the Accounts ' disputed status indicates as " Account not disputed ''. The Credit Bureaus have failed to respond to my letters, Claimed that the information presented are verified, and failed to send me copies of proof of verification. These actions of the Credit Bureaus is a clear violation of the Fair Credit Reporting Act. It is clear that the Credit Bureaus have become negligent of the FCRA statute. Under the provisions of the FCRA, I am requesting that the Credit Bureaus stop their erroneous reporting and have the disputed accounts deleted as soon as possible : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

The below creditor is reporting inaccurate information to my credit report. Falsifying that payments are late although they are taking the minimum monthly payment electronically from my checking account on the XXXX of every month. 

Creditor XXXX  XXXX XXXX account number # XXXX Please remove this account in accordance to my federally protected consumer rights under the FAIR CREDIT REPORTING ACT as this XXXX  is violating law 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.

I have filed multiple complaints. Every complaint comes back closed - Updated or verified but with no documentation of proof on what was updated or how this inaccurate information was verified. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. Please provide proof of a true investigation or delete account.
Consumer complaint received 2022-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AR)

I am reaching out on the behalf of our mutual customer, this letter below i sent to Shellpoint and they have yet to respond. I have called more times than I can even remember at this point. They keep telling me that they can not write me a letter stating that they ( shellpoint ) will in fact release the lien on the front of the Mobile Home title even though it is not Shellpoint, it is XXXX XXXX  XXXX XXXX XXXX. This is a major problem, because the lender will not move forward with the loan until they assure us in writing that they will pay off the loan in which they have already sent me a payoff statement for as well. 
Can you help me?????? 

We have been working for several weeks to get this closed for the Hulls, the problem we have run into is that the front of the original MH Title that you have in your possession has the lien holder as XXXX XXXX  XXXX XXXX XXXX. 
I really hope you are able to help me, so this deal does not get terminated. 
XXXX XXXX  who is the buyers lender wants something in writing from you ( Shellpoint ) stating that once we pay off the loan referenced above with the payoff statement you provided attached, you will then sign off and release the lien from XXXX XXXX  XXXX XXXX XXXX that is on the front of the MH Title. I sent them the payoff statement that I received from you for the loan, it is still not enough to satisfy them. When I called Shellpoint, you offered to send me the welcome letter you got from XXXX, but again XXXX XXXX  said that would not satisfy their concern as to one we pay Shellpoint off that Shellpoint will sign off the lien from XXXX XXXX  XXXX XXXX XXXX and send the original MH Title to us to finish the cancellation of XXXX  XXXX. 
If you have any questions or any advice to help, PLEASE contact me. We are running out of time to get this deal closed.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (CA)

I received notification from XXXX on XX/XX/22 that my Target Red Card issued by TD Bank had lowered my credit limit. I immediately called Target since there has been no negative changes on my account nor on any other accounts with any other lenders. With the run around and their representatives giving me false information I threatened to close my account unless they could tell me and honest answer. They representative became condescending, stating that my contract says they can lower my credit line, etc, but the information didnt make sense. He proceeded to say if my account is closed its permanent and I could never have an account again, I said good but stated that I need to understand what happened, he then in the middle of me trying to obtain factual information said I closed your account and there is nothing more he could do, I tried asking follow up questions, asked for an escalation and he said basically no and hung up on me. I called back and spoke to 2 additional representatives who all said they were supervisors on floor that no one else was available that there is no escalations department I could speak to, one finally said she filed a complaint but that no one would call me back, because they cant make calls out. XXXX stated that he cant see notes or documentation on my account. He stated my account is closed permanently, I told him I didnt want my account closed I just wanted answers and wanted to know how they can conduct business this way.
Consumer complaint received 2022-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (VA)

On XX/XX/2022, I filed a XXXX XXXX XXXX complaint - case # XXXX against : Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX Va XXXX The amount of the debt I am alleged to owe is in the amount of {$670.00}, however, the proof was provided in my XXXX XXXX XXXX complaint this amount account had been paid to the original creditor and reported to XXXX Credit Bureau as paid on my credit file. In addition, I inform XXXX XXXX XXXX of this and provided the same details as I provided to the XXXX  showing that my account was paid in full with the original creditor but they continue to report and harass me via my email- which I never gave to them.
Consumer complaint received 2023-04-04
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. (GA)

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses and first names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT names that should be deleted are XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Capital one before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Capital one to furnish any late payments to my consumer report. It is my belief that due to Capital one business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2022-08-08
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. (NY)

Good Day, Experian and XXXX has been contacted to remove the following accounts for fraud : XXXX XXXX XXXX - XXXX XXXX Balance {$6900.00} XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX {$0.00} Pursuant to 15 U.S.C 1681 a ( 3 ) - Experian and XXXX  assumed the role to report on my behalf and was not given permission to report fraudulent/false information on my consumer credit report. I was not contacted about the above information and did not give Experian permission to report the above accounts and will require the harmful information to be deleted immediately. 

Pursuant to 15 U.S.C 1681 a ( 4 ) - There is a need that consumer reporting agencies exercise their grave responsibility of fairness, impartiality and a respect for the consumer right to privacy. Experian and XXXX was not fair with reporting the above information because my request to have the information has been ignored several times and they have not considered that above accounts does not belong to me, making them impartial. 

Pursuant to 15 U.S.C 1681 b ( 2 ) - Experian and XXXX assumed the role to report this harmful information to my consumer credit report. I never instructed them to create this report and I never consented to the information above being furnished on my behalf.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (TN)

I have had fraud on my Avant credit card XXXX, issued by XXXX at the beginning of XXXX and most recently my car was broken into and card stolen, I have received letters from a XXXX name XXXX at extension XXXX who states that she was reaching out but not able to contact me. She sends letter saying she tried to call me, but this is not true. They have not called me, I even returned calls and always get voicemail, I leave messages and still not get return calls. I send emails and make several calls and attempts to her and she does not return telephone calls or emails. Now I am being help responsible. I can not get through to anyone and keep getting the run around. I need help. Ive had fraud and even made police reports but they dont do anything or take action. XXXX has lied saying she has tried to call me and she has not. I will be happy to provide my phone report showing calls in and out. You will see my repeated calls to her and no reply!! They gave credit and emailed me saying stating the credit totaling {$1500.00} that was posted to your account on XX/XX/2022, was considered final and would be closing your file '', then they took that credit back even after saying it was approved and final after initially saying it was final and my case was closed and I wasn't being held responsible, now because my car was broken into they are taking back the credit they originally gave me and said was final. They are also denying the new claim, corrected police was emailed to them on XX/XX/2022 to XXXX and I asked to confirm receipt of my email and they never replied or confirmed. I emailed again and included the avant claims email address, customer service email and support emails, asking for same, funny enough customer service and support confirmed receipt of the information but not the avant claims email. Not XXXX my emails were rejected or returned so I know my emails went through. I have all emails and correspondence for proof as well
Consumer complaint received 2022-09-23
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)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX SELF-REPORTED XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXXE XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-09-22
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. (IL)

On XX/XX/2022, I paid and settled in full XXXX collection accounts on all three of my credit reports, XXXX, Experian, and XXXX. XXXX were reported within a week of settlement, XXXX notated as settled in full and XXXX completely removed. XXXX were reported per the collection agency, however, were not reflected on the credit reports themselves ( I disputed these ). I ran my reports on Saturday, XX/XX/2022 and the last XXXX were removed from what I could view. I contacted XXXX via phone and chat within the last week and requested information as to why my score has not been updated when XXXX collection accounts were resolved and/or completely deleted within the last XXXX weeks. I advised them that after the first XXXX accounts were updated, my score increased XXXX points or so, however, another collection account ( a utility bill from XXXX ) was added which dropped it back down XXXX points which seems odd considering it is XXXX account in comparison to XXXX. They initially advised me that there is an algorithm that calculates the score. They then advised me that the score does not get updated for 30 days after the account is updated, we know this is not the case considering the recent events and this is not the first time I've had an account resolved throughout my credit history. They had no further information for me. I'd like this investigated as to why my score is not being amended to reflect the recent resolved accounts. This is not only delaying my ability to purchase a vehicle but other products such as adding lines to my cellphone service with XXXX. My score is currently XXXX with XXXX, XXXX with XXXX and XXXX with Experian. I have XXXX collection account on my report as previously stated that needs to be resolved, XXXX. With that being said, there is no reason my scores should not have increased significantly. 

Please note I can not upload relevant documentation including credit reports, payment confirmation ( s ), and chat conversations due to error message.