davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (IL)

NOTICE OF DISPUTE : DEMAND FOR VALIDATION AND PROOF OF CLAIM Dear Consumer Financial Protection Bureau. 

I am writing to file a complaint against Discover card regarding their dispute resolution process. Despite my attempts to dispute a charge on my account, Discover has failed to validate my dispute and instead sent me a statement for verification. This practice is in violation of the Fair Credit Reporting Act, This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration of Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication under 15 USC 1681i. This complaint is backed by the words of congress when it comes to verification of an account. 

According to this law, creditors are required to investigate disputes and provide consumers with a method of verification. However, simply sending a statement for verification does not qualify as a valid method of verification. I am frustrated by Discover 's failure to properly investigate my dispute and provide me with a valid method of verification. 

I have received nine copies of the same exact letter with no further explanation. 
I believe that this is a serious matter and that Discover 's practices are unfair and deceptive. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Discover. I also request that you provide me with any assistance that may be available to me in resolving this dispute. 
Thank you for your attention to this matter.
Consumer complaint received 2023-06-15
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$950.00}
Consumer complaint received 2023-06-15
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. (IL)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MN)

I disputed the debt and asked for validity of the debt and the original creditor on XX/XX/2023 and received a response on XX/XX/2023. I followed up with a letter stating theyre not the the original creditor and theyre debt collectors in violation of 15 usc 1692a ( 4 ) and also send a cease and desist to stop the foreclosure
Consumer complaint received 2023-06-15
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (NC)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (FL)

Had a personal loan with Wells Fargo initiated probably XXXX  years ago went through for closure in bankruptcy eight years ago and it was taken off and then it was in the amount of about {$24000.00}. They never took any more payments out of my account or anything so obviously it was handled in the bankruptcy then about four months ago all of a sudden they took the {$24000.00} out of my account without my knowledge And when I called them, they said it was from that loan I explained again it was gone through foreclosure and bankruptcy, etc. etc. and they refused to listen and said I opened it and just took the full amount out of my account which was my savings, and that all I had to my name Has caused me terrible difficulties. Would love to see some of this brought back thanking you in advance for anything, you can do been with this company since XXXX  or XXXX.
Consumer complaint received 2023-06-15
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$950.00}
Consumer complaint received 2023-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Not sure on dates but Portfolio Recovery continued to call daily several times a day not only me but my husband. They used tactics not appropriate plus inappropriate language. They also purchased accounts which were not original creditor threatening to take to court. They continued this process until they sold them to other companies. This should be illegal to continue to sell accounts for Pennies on the dollar over and over taking you to court when they do not even have original contract or etc. All these companies put them on your credit and try to start over from original date of contract. I think you should also put XXXX a lawsuit as well or any other debt company who is buying debt for Pennies on the dollar and beginning debt over from date they purchased.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Financial Warranty LLC (NJ)

I received a phone call from this company about reducing my debt and improving my credit score. I was told, verbally, that they would verify my debt with all my credit cards and other creditors. they also told me not to pay anything to any company and ot keep a list of any creditors that called me. I electronically signed an agreement with this company on XX/XX/2023. They were going to charge me XXXX a month, for the first three months, then XXXX a month for the remaining 21 months of the agreement. However, once my husband read through the entire agreement, it was only to verify my debt through third party collection agencies. None of my debts are currently in collections, and therefore there is nothing to dispute. My husband tried to call on numerous occasions to cancel, and each time the phone was busy and he was then disconnected. They charged my debit card XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The only communication I received from them was on XX/XX/XXXX, when I I received a call that they were having a problem processing my payment. My husband spoke to one of the agents, named XXXX, and told him the payment was debited to his account on XX/XX/XXXX. We inquired exactly what they had done for us so far, and we never got an answer. My husband told them we wanted to cancel, they switched us to another person, who put us on hold. After a long hold we were told someone would call us back at XXXX XXXX. I missed that call, and when I called back a few minutes later, I was put on a long hold and disconnected. Now today, after telling them we wanted to cancel, my debit card was charged another XXXX. I tried calling, and nobody responds to my calls or the email I sent to cancel. They told us one thing on the phone when we started this. This company is promising services that they do not provide, and hopefully they can be fined out of existence so nobody else gets ripped off
Consumer complaint received 2023-06-15
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023, Capital One sent me a letter requesting verification of XXXX XXXX ( not a problem ). The letter did NOT have a phone number and only offered a fax number ( who has a fax machine ) and a physical address. I mailed in the requested documentation along with copies of the letter so they could reference the matter. I didn't give it any more thought and just moved on down the road. 

On Monday XX/XX/XXXX I got a notice my account was restricted ( not useable ). After spending quite a bit of time on the phone the supervisor was unable to find my mailed response to their query. Not a big deal this stuff happens. So I asked for an email address to send it in ( since Capital One may be the only major or regional bank in the country that does not have a secure messaging portal in their dashboard ). They do not have one.

The only solution was to mail it back in again ( we know how that turned out ) or to fax. Who faxes?? They told me that it would be processed in 48-72 hours. Seems odd as most other banks and brokerage firms can tell me immediately when a message is received. But I understand confirming receipt and processing the document are not. the same thing. 

I was finally able to get my computer to fax through my printer and sent it in multiple times. I never got any confirmation so I have to assume the received it. I also mailed hard copies ( again ). I called their morning ( 72 hours after submission ) and they had no way to tell me if they got the documents or not. Then they said it would take 7-10 days to process. 

The significance of all of this is this is our primary company credit card which all my employees use. So I have half a dozens employees out in the field that are not able to purchase items for our construction company. We are scrambling to find another institution that can issue new cards but until then we are sort of shut down. 

I fully appreciate banks needing to get documentation to keep their records up to date. I can even get that stuff gets lots in the mail. However for them to not have any way to verify receipt of documents or to escalate a matter when a companies credit is shut off is wrong. There was no ability for me to speak to the department, there was no escalation. They just said sorry you have to wait up to 10 days event though it has been almost 2 months since your first submitted and we might be able to tell you if we did or did not get the faxes you sent in ( I am paraphrasing ). 

If you have a credit card with Capital One and they send you any written correspondence best be prepared for them to loose your response and possibly shut off your credit card unannounced. Very danagersous for a small business.
Consumer complaint received 2023-06-15
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. (OH)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX, OH XXXX ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$4200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XXXX XXXX  XXXX Balance : {$980.00} XXXX  XXXX Balance : {$4200.00} ; XXXX  XX/XX/XXXX.
Consumer complaint received 2020-06-15
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: CITIBANK, N.A. (FL)

Citibank issued a new card to another person using my name but a different address and email. The person ran up over {$10000.00} in balance transfers and loans to another account which is not mine,. Citibank than actually took money out of my checking account to make one of the loan payments. That's how I found out about the charges on the card, I contacted Citibank about the fraud. They then gave the money back in my checking account but never took the fraudulent charges off my credit card, which since has ruined my credit. I have had numerous calls with their fraud dept., they say they are working on it, promise to call back but never do. Its been since XXXX and still they show on my card that I own them over {$10000.00} The customer service just ignores that the account is under investigation and keeps sending payment warnings, as our credit rating keeps dropping
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Convergent outsourcing 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than 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 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2020-06-15
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Application for XXXX credit card declined, pulled credit report and found there was 1 negative account on my credit report. After further investigation it was discovered that the negative account was my Kohl 's credit card. Contacted Kohl 's to find out what had happened and they stated it was due to a late bill that was never paid from XXXX. I was unaware of any remaining balances on account as a payment was made on XX/XX/XXXX. Ten years I have been a card member with Kohl 's and have never had a late payment. Due to XXXX XXXX, I have been inside my residence for the time being and have not received any statements or bills in the mail regarding money being owed. Per Kohl 's Collection Dept. a letter was sent to my address that was returned. My mail is delivered to a mail receptacle in my neighborhood and there has not been any mail deliveries or notifications left at my door. On Friday XX/XX/20, I requested manager of Debt collection call me as I do not feel it is my obligation to pay late fees when no statements where ever delivered to my mailing address. I was told someone would call back within 24 hours. I did not receive any calls, emails, or text notifications of them trying to reach out to me.
Consumer complaint received 2020-06-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc (WA)

XXXX Johnathan Neil & Associates, IncXXXX sent a claim to my step son in the form of a letter that states he owes {$3900.00} in regards to a car accident last year. This firm stated that they would send/obtain a copy of judgement against our son. Our son is a minor. In addition they threatened to file suit against him. 
XXXX My husband and I on behalf of our minor son wrote back to Johnathan Neil & Associates that neither he or us owes this debt. I stated we would report this company to the FTC as well as the California State Attorney General if communication does not cease to exist. 
XXXX Our son received another letter from Johnathan Neil & Associates Inc. stating our dispute is invalid. In addition, there is a copy of a letter this firm wrote to the Washington State DMV asking administrative action to be taken against the " uninsured party '' .Also included in their accident report is clearly the name of the legal registered owner which is not our son. 
XXXX Our son wrote to Johnathan Neil & Associates stating he is not responsible for the debt.