davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (TX)

We moved into a new house back inXX/XX/2017 and decided to use XXXX as our cable provider. Little did we know we could not obtain a clear signal where we live. XXXX  knowing that we had low signal which caused issues throughout allowed us to sign a 2 year contract with them. They did not tell us that we had low signal. As the guy finished up connecting everything there was no signal. He informed us that we would need to give it 30-45 minutes before everything synced up and would work appropriately. This obviously did not happen. we called XXXX customer service and notified them of our problem they said it would be a week and a half before anybody could come out. This royally upset us. So we waited and they came out and tried to trouble shoot it and said there was a problem with service box they would need to send higher tech out here to diagnose and fix problem. so we waited for that. We finally had a picture almost 3 weeks later. All was great for about 1 week then the signal loss started happening. We again called them and they sent somebody out a week later to try and diagnose the problem they said everything looked good. So finally we went on continuing for about 2 and half weeks later with our signal dropping randomly. We were disappointed at this time with XXXX Finally after further troubleshooting they found out that the spot our sat in is like a whole how they described it for bad signal. So we told them ok, How are we going to make this right? Their reply " you can continue services since you get signal most of the time, or you can pay the cancellation fee of {$350.00}. '' We were shocked hearing this. We fought with them talking with supervisor after supervisor about what has happened. We informed them that we do not believe we should have to pay a cancellation fee. They said because their were some data usages we would have to. End result- we cancelled services immediately This was about 5 months into signing the contract. After discussing with XXXX they said they would review our account and signal loss and let us know if any fees would be owed. From then on I never received an itemized bill from XXXX. Later on discovering they were sending them to my fathers address 6 hours away due to us having the same name. Causing them to call and ask questions on what's going on. This is how we found out they were sending them to him. We then received a letter from XXXX notifying us that our account has been sent to collections and that we owe the following {$950.00}
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Asked various times for validation of this supposed debt to include original documentation showing I owe this debt without any response from debt collector. I have also sent disputes to credit agemcy whonsay they have verified but cant get any documentation from debt collector. Under FCRA they are required to provide original documents to prove I owe this debt and if they arent able to must by law remove supposed debt from my credit report as it is effecting me obtaining credit, auto loans, mortgage, etc.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (IL)

Finance company are false reprting informstion on my credit report. This is the second time and as you can see from my credit report I havent made any payments late. I recently spoke to an associate by the name of XXXX  and he had a very unprofessional attitude and immediately after I got off the phone my vredit score reported something negative.

I have proof of my payment history and also me not having any late payments but all of a sudden after I contact tbem for a payoff on the vehicle this happens.

I kmow that thid is related to my telephone conversation because I received an email alert this morning pertaining to a late payment.
Consumer complaint received 2018-06-15
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. (OH)

I submitted a dispute with Equifax regarding the bankruptcy shown on my Equifax credit report. I received Equifax 's dispute result as of XX/XX/2018, confirmation # XXXX. The Equifax response was that the " Consumer 's dispute not specific '' and that Equifax used a third party vendor called XXXX to verify the bankruptcy information. Regarding the " Consumer 's dispute not specific '', this is a FALSE statement. With my dispute submission, I included a letter specifically identifying 6 different discrepancies regarding the bankruptcy along with 2 supporting documents. The most disturbing item from Equifax 's result is the fact that Equifax states they used a third-party vendor called XXXX to verify the bankruptcy. This is a major problem because I have obtained an official letter from the U.S. Bankruptcy Court that  SPECIFICALLY states that they DO NOT report ANY information to XXXX. I have uploaded the U.S. Court letter and the Equifax response from the dispute.
Consumer complaint received 2017-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Went into XXXX XXXX XXXX to get information on a car. I was asked where my credit was on a scale of 1-10. I said 10. The salesman then asked me to put my name, social security number, date of birth and signature on a paper.. I specifically said " Your'e not running my credit, right? '' and he said " No, we go based on what you tell us your credit is at this stage. '' I had n't even been in the office more than 5 minutes! had n't looked at a car, test driven the car, anything. So, eventually I test drove a car, did n't like it. Left. Came home and checked my credit and my credit score dropped XXXX points because of a hard inquiry by XXXX XXXX XXXX. After they explicitly told me they were NOT running my credit they still did! I did n't even try to finance anything!! I have n't had a hard inquiry in YEARS. I never apply for credit!
Consumer complaint received 2018-06-15
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/18 I discovered that all three credit bureaus, XXXX  , Experian and XXXX are continuously reporting a " revolving '' credit card from XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days. 

It is an item that should be completely removed from my credit report.
Consumer complaint received 2024-09-27
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/XXXX of 2024, I used XXXX financing to purchase a XXXX  machine. The XXXX provider noticed a mistake and cancelled the order and the promotional financing for the order. 
On XX/XX/XXXX of 2024, I noticed the promotional financing was still on the account and initiated a transaction dispute with Synchrony. Payments were being made towards this transaction On XX/XX/XXXX of 2024, I received the following from Synchrony removing promotional financing : " We resolved your dispute claim in the amount of {$1300.00} on XX/XX/year>. A credit of {$1300.00} has been applied to your account. 

What's next? Please allow XXXX business days from the resolution date for the amount to be credited to your account. You can expect a letter with additional details soon. 
" On XX/XX/XXXX of 2024, I noticed the promotional financing was back on the account and that I had been still paying towards the transaction. 

On XX/XX/XXXX of 2024, I received the following " We have completed our review of the disputed transaction on your XXXX XXXX XXXX account. 
I am pleased to let you know the credit in the amount of {$200.00} was applied to your account as you requested on XX/XX/year> in response to your inquiry submitted on XX/XX/year>. If applicable, interest charges, fees, and delinquencies related to this adjustment have also been removed. These adjustments may have appeared on a prior statement ; if not, they will appear on your next statement. Please read the information in the Promotional Purchase Summary section of your next billing statement as it will show an adjustment of promotional financing, if applicable, to your disputed transaction and will contain further detailed information '' Payments made towards the disputed promotional financing have still not been returned. The last statement shows of the XXXX original, XXXX had been paid in total.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-14
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. (NJ)

I obtained my XXXX XXXXXXXX XXXX XXXX credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have been disputing a prima facie error on my credit report with Experian for almost two years without success. Each time within five days or so, Experian claims an investigation was done and update the account with the same bogus information. I cited FCRA violation several times and that the item should be deleted but only received an update which is bogus. The XXXX company is XXXX ( not sure that is the proper name ) in which I was given a line of credit and not applied where I will never, ever use again. There was a mixup during COVID-19 pandemic on XXXX  's end where an order never arrived and routed back to XXXX, but XXXX  states there is a late payment when there was no payment due on the account until after the order arrived back to XXXX. I refuse to cease disputing because I have never been late on any of my monthly payment obligations in almost 15 years.
Consumer complaint received 2017-10-14
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: Experian Information Solutions Inc. (FL)

hello please for your help i have rquested XXXX to remove all un authorized inquires due to breach of there files i now have to put a fraud alert on my credit file. 
They have blocked my access to there website on XXXX due to my girl freind can access it but i cant tested on several computers. 

Please inform XXXX who has of today has been breached again to remove all Inqires from my report Thank You from XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX I demand XXXX provide the original instrument on the underlying obligation from XXXX XXXX And the ( XXXX  ) generally accepted accounting principles for this aleded collection account. 

I demand XXXX to remove these three hard acquires as I did not authorize them immediately with rapid rescore. 

Hard inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX I demand XXXX to change the account for XXXX XXXX from not current on XXXX XXXX, XXXX, XXXX, and change to current as this is a violation of 15 usc 1681 ( a ) ( d ) ( 2 ) ( A ) ( I ) so i demand it be corrected immediately with rapid rescore. 

I demand XXXX to remove this hard, acquire as I did not authorize it immediately with rapid rescore Hard inquiries XXXX  XXXX ( Bank ) XX/XX/XXXX Experian I demand Experian remove these hard, acquire as I did not authorize it immediately with rapid rescore Hard inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX I demand Experian provide the original instrument on the underlying obligation from XXXX XXXX And the ( XXXX  ) generally accepted accounting principles for this aleded collection account.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I reached out requesting that the XXXX Account be removed from my credit file. I reached out to the company and they stated the account was closed. But they put on my credit file that the account is charged off. This is not legal under code 15 USC 1681b ( 2 ), creditors are not to report any negative items with written consent, this is considered identity theft.
Consumer complaint received 2023-04-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

I am writing to request that LVNV Funding remove the negative credit reporting pertaining to a debt they claim I owe in the amount of {$890.00} from all of my credit reports. Despite numerous attempts to contact LVNV Funding by phone and written letters, they have failed to provide the required documentation to substantiate this debt. 

According to the New York City Credit Reporting Law, debt collectors are required to provide consumers with written substantiation of any debt they claim is owed within five days of initial contact. LVNV Funding has repeatedly informed the credit bureaus that this debt is valid without providing any of the required documentation. As a result, I have not received any copies of the debt substantiation that I have requested.

Given the failure of LVNV Funding to provide proper documentation, I am requesting that they remove all negative credit reporting pertaining to this debt in the amount of {$890.00} from my credit reports. Furthermore, I request that LVNV Funding not sell this debt to another debt collector without first indicating that this debt has been disputed. 

Thank you for your attention to this matter.
Consumer complaint received 2018-01-25
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. (WA)

In dealing with Equifax trying to correct errors on my free credit report i was unable to dispute information online because their security questions lock you out. So i spent three hours on the phone trying to get tech support only to be told i HAD to furnish my license and social security card first to prove its me me to fix errors and wrong address. There are many errors i would like to dispute online and cant as well as not being able to understand the persons on the phone.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AK)

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. 
Account name : XXXX XXXX, Account NumberXXXX Account name : XXXX XXXX  Account XXXX XXXX Account name : XXXX Account Number : XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A - States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2- It also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section- States no consumer reporting agency containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which antedates the report by more than seven years.

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 2017-12-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

i have capital one investing account i was not able to open my trading account on morning of Friday XXXX XXXX 2017. It opened only once or twice and i was able to place one trade ( sell XXXX put ). But overall it was very inconvenient. I tried my cell phone app as well as multiple browsers. 

I called capital one help line twice and had to hang up as no one answered my calls even after waiting for more than 10 minutes each time. I emailed capital one and they told me to call back. I replied and told them to call me as i had not been able to talk with them i pay top dollar to capital one for their service and i expect better. Moreover this is second incident in last few weeks. Something similar happened few days back the losses that i incurred are below. 
1 ) Couldnt sell my orcl put on time. It cost me at least {$50.00} per contract and i had 12 contracts. So total loss {$600.00}. I was able to sell XXXX puts when XXXX  was at XXXX, when i wanted to sell them when XXXX was at XXXX 2 ) Could n't sell stock - carb, syx and unt on time. I lost {$100.00}. I wanted to sell Carb when it was at XXXX. I ended up selling it when it was XXXX 3 ) Frustration and tension i lost {$700.00} because of capital one and i feel that capital one should compensate me for the same and ensure that I dont face similar issues in coming days. I have huge number of Micron options and i dont want to face any losses due to Capital One 's in efficiency let me know what you could do for me and please ensure that consumers dont face similar issues again.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from XXXXXXXX XXXX XXXX Opened on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Opened on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX, and unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.