davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX deleted it from my credit report but Equifax failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (CO)

XX/XX/2019 I moved out of an apartment complex because my husband and I purchased a home. Recently, I was notified that I owed more than $ XXXX for charges related to the canceled lease and they were grossly misrepresented and inflated. I contacted an attorney and tried to resolve the issue with the collection company but they have not responded back. All claims made by the apartment complex is not only false but they are attempting to ruin my credit and my mother who co-signed as retaliation for the disputed charges.
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

On XX/XX/2020, I purchased an espresso machine on XXXX. I paid with Discover card. XXXX delivered the machine totally ravaged. I refused to accept it and returned it to XXXX. I disputed the charge with Discover. XXXX initially lied that they have never received the return. When I submitted the proof that XXXX received the return, XXXX lied that I returned a totally different item. I submitted a proof that I indeed returned the purchased machine. Then, XXXX lied that the serial number of the returned machine differs from what was sent to me. No proof of it has ever been submitted. After I complained to XXXX, XXXX responded that they instructed Discover to close the dispute in my favor and to refund me. Discover claims that it always resolves the disputes in XXXX XXXX favor because it is their biggest customer, therefore it hold me responsible for the charge no matter what, unless XXXX directly refunds the charge. I have been defrauded by Discover and XXXX.
Consumer complaint received 2023-04-07
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. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus dated XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (PA)

Since XX/XX/XXXX Serve Prepaid card disputes team have been messing up a dispute filed on that date against XXXX 's {$110.00}. Disputes Dept keep filling the dispute under the wrong tag refund to customer, credit to customer, returned merchandise. To mention a few. Finally after i appealed it many times it's filled the right way. Since XX/XX/18 Serve disputes Dept charged XXXX 's back for {$110.00} which XXXX 's had been claiming they returned the funds to Serve that day. My account was never credited. However was given provisional credit which Serve reversed cause now they say it was an authorized charge and XXXX 's is saying they have the funds now
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC (IL)

To whom they may concern, Calvary has reported me to all three credit bureaus on XX/XX/2021 claiming me owing them $ $ before they validated the debt. I received the validation letter on XX/XX/2021 dated on XX/XX/2021 from Calvary as attached. Based on the Fair Debt collection practice act 15 USC 1692g Sec. 809 ( 8 ), the debt collect agencies supposedly give the consumers 30 days to respond and validate an assumed debt. Calvary failed to do so. They assumed that i owe them such debt that Im not aware of. 
1. I will be writing a letter responding your XX/XX/2021 letter to request for validation of this debt. 
2. I will file law suit against Calvary in the IL small claims court And state attorney general, if they still refuse to remove the negative reporting from my credit report.

It is against the Fair Debt collection practice act 15 USC 1692g Sec. 809 ( 8 ), that assuming such debt before the validation process. 

Regards, XXXX XXXX
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX a.k.a. XXXX XXXX XXXX advertising of my vehicle warranty being canceled/expired. Mail was made to look like a subsidiary or partner of XXXX. After I paid for " extended warranty '' I discovered it was a scam. I called to cancel, and the company tried to deny my right to cancel the policy. The representative " XXXX '' kept questioning me and trying to stall when I asked to cancel. When I told him to stop questioning me, be became aggressive and argumentative. I asked to speak to a manager, and he continued to argue. I said they were fraudulent, and that I would contact my credit card company and flag the transaction as fraudulent, as well as call my attorney. He then put me on hold for a manager, then came back and said one was unavailable, but he submitted the policy for cancellation and refund. He said I would get a call back from a manager to finalize the cancellation. I asked for a confirmation ( a number or email correspondence ) and he rebuttaled that the call was the confirmation. I said I would wait on hold until a manager became available and XXXX said they had no way to put me on hold, even though he had just put me on hold a few moments before. I have not received a call back from a manager yet, and I have no proof or confirmation that the warranty policy has actually been canceled and the refund has been issued.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

I have been trying to close this account for months now due to a companies taking out payments out of my account without my permission which is the same thing that Wells Fargo credit card company did to me as well they put me on auto pay when I did not request for that to happen so since this was happening I reached out several times to customer service reps to try to get them to refund the first overdraft fee and close the account down and the service fee so that way this would not continue to happen they denied my request over and over again they have helped me in the past but they are still denying my request saying that I am trying to bring the parts account to a positive status and close it without accumulating further charges Wells Fargo is causing me to go further and further in debt by keeping an account open that has no activity on it and charge me a service fee and overdraft fees for an account that has no activities on it I would like for this account to be closed and all of these unnecessary charges to be erased thank you. I have spoke to several several customer service reps has been escalated supervisor complaints have been written and I am not getting anywhere with this company.
Consumer complaint received 2018-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (LA)

On XX/XX/18, I received my regular email stating that I have a installment payment coming up on XX/XX/18. I asked the Representative for a payout balance and was told that the amount was XXXX. I have been making my payments of XXXX since XX/XX/18, which is over {$1100.00}, that has already been paid on my loan borrowed amount of XXXX. This means that I have not paid but {$8.00} on my principle and the remains of the {$160.00} was applied to the interest. The installment plan is for 14 months at {$160.00} bi-weekly. I will have paid over {$3000.00} on {$700.00}. This should be consider illegal. This company is using illegal tactics and practices by making it hard for the consumers to payout there loans out. I would like to see this company brought under investigation for unethical practices. The customer service representative told me that there call center is located in XXXX XXXX and there office is in South Dakota. So I was speaking to someone outside of this country. The FTC has a law enforcement warning for companies contemplating similar tactics. Its always bad business to engage in deceptive and unfair practices. I have been receiving advertisements in the mail from this company. I needed help at the time and I thought this was a reputable company. This company should be penalized and stop for unauthorized hidden fees. Consumers should have rights against these scam companies. ( XXXX XXXX ). 

Thank you for allowing my voice to be heard. 
Consumer
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (ME)

Secured credit card with Discover, Paid {$1000.00} security deposit. Account closed by Discover and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?
Consumer complaint received 2023-04-07
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please help assist me, I have already tried addressing and requesting verification and validation and I do not even get a response back from the creditor nor the credit agencies. There are very old student loans back from 2014 in which were paid off and reporting inaccurately. I was never past due and just this year saw how they are reporting on my credit file. The information is inaccurate and false. 

There are six accounts total reporting and they all are listed DEPT OF EDU / XXXX XXXX I never had six loans total there are also duplications. Please help
Consumer complaint received 2023-04-07
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (IN)

Mid XX/XX/XXXX, my husband received a call from Dynamic Recovery Solution stating that we owed on from XXXX. The account they are referencing has been settled and paid and isn't even showing on my credit report. I can provide documentation that the debt was in fact paid and they continue to call and send messages. 

They then sent me a letter with the same information on XX/XX/XXXX. I contacted them and inquired about this. They again referenced the same account that we had paid. They stated it was past the statutes of limitations. I asked for them to send me documentation of said account and they said they could " put in a request to their manager '' to have that information sent to me.
Consumer complaint received 2021-04-05
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: TRUIST FINANCIAL CORPORATION (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX inquiry XXXX XXXX, 2020 REGIONAL ACCEPTANCE CORP inquiry XXXX XXXX, 2020 XXXX XXXX XXXX inquiries XXXX. XXXX, 2020 and XXXX XXXX, 2020
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

1. Reappearing fraudulent collection. The bureau previously, and repeatedly removed the collection item. Apparently, it has been sold to another collection agency. This new agency has reported the item unknowing that it was removed for fraud. 
The original item notes a date in 2015. I have been in XXXX for 25 years. 
Bureaus of the USA have no authority in XXXX. 
Bureaus of the USA can only report on USA credit cards which I hold, and on historic info. 

2. The bureau refuses to assist me via telephone, or to give me a copy of the report bearing my name, because one of its agents deleted my USA mail address. 
This even though I am a registered electronic user of the bureau. They refuse to re-enter the address.. repeated here.. 

XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, Texas XXXX Additional address for reference : XXXX XXXX XXXX, XXXX, Mn XXXX
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC (CA)

Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. XXXX XXXXXXXX XXXX closed my account after freezing it an reported me to XXXX XXXXXXXX and Early Warnings for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because XXXX  XXXX XXXX reporting.
Consumer complaint received 2021-04-05
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: CREDIT ACCEPTANCE CORPORATION (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CREDIT ACCEPTANCE XXXX  XXXX ... XXXX XXXX ..XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-08-26
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. (IL)

I am a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted XXXX, TransUnion, and XXXX to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a letter in a mail with a new debit card for a checking account that was fraudulently opened in my name. I have recently been a victim of identity theft. I have tried contacting the company through multiple numbers but I am unable to get through to a customer service person and was stuck in an automated system.
Consumer complaint received 2021-04-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Experian and XXXX  regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but Experian and XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I applied in XX/XX/XXXX and after fulfilling all the requirements the bank will not give a response, allowing the documents to expire and not able to provide a response, this has happen up to 3 times during XXXX and the involved agents will not give me an explanation why taking so long that papers have to expire 3 times. Financial statements, covid attestations, credit pull every time again and again, which also damages my credit score etc.. In XXXX when i was expecting an answer, they just send me an email stating there is a new agent and has to start process again. 
So finally now in XXXX i decide not to continue with Suntrust mortgage lender institution. 
My credit is good XXXX, own a house Is there a bank negligence? 
3 times, every financial statement requested to my accountant has an additional charge and pull credits reports XXXX XXXX XXXX  Re : XXXX XXXX XXXX XXXX