davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IA)

Ive disputed REPEATEDLY with Experian the several affirm accounts showing charged off on my credit report!! They keep lying to the XXXX and say that affirm is not on my report! How coincidental is it that a dispute was opened the same day they said that to the XXXX that I did NOT open. Plus, the dispute process is one sided! Why have a dispute if you always side with the business!! I have proof!! I have also filed with the attorney general!! I will continue to dispute until this is resolved!!
Consumer complaint received 2022-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX XXXX  I had spoke with my credit bureau and they explained that it was a hard inquire from capital one on my credit report from XXXX. I contacted capital one on XX/XX/2022 to resolve the issue and also explained that I do see the inquiry. They keep telling me theres nothing in they system but yet its on my credit report and its affecting me.
Consumer complaint received 2022-11-29
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. (IL)

in accordance with the Fair Credit Reporting act XXXX  Account name XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Bankruptcy 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 a account without my written instructions
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX advised they issued TransUnion Screen Solution to provide them with information on a eviction.. This eviction is reporting {$4500.00}, which is not correct. This does not reflect the security deposit being taken out of judgment. I now have to take this XXXX XXXX back to court about this eviction and file a small claims against them, due to this issue and more. XXXX is receiving this information from TransUnion who verified after a dispute is is correct and it is not correct. I made a second dispute with TransUnion Screen Solution directly, and still no update. They are sending my disputed back as verified. With no proof of debt or anything, provided. after requesting it. And id not provided to remove or stop reporting until correct. They are still reporting, provided no proofs. After, speaking with XXXX XXXX at XXXX XXXX, she agreed this was incorrect, we actually settled for less. I am trying to get her to include the security deposit, but I assume I will have to go to court for this issue and show my proofs.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

This really involves an old issue and to this date of XXXX XX/XX/XXXX they still have not resolved it. I am including a letter I sent to XXXX XXXX. He responded with " there's nothing he can do to help me. I sent it to him certified. I know this is old, but they should still have a record of my safety deposit record. I check with them every year to see if it has turned up. Her is the letter : XX/XX/XXXX Certified Mail XXXX XXXX XXXX XXXX Wachovia Bank XXXX I am writing you concerning a safe deposit box I opened with Wachovia Bank in XXXX. The XXXX, Georgia branch on XXXX XXXX XXXX is no longer open. For the last year, I have been trying to locate my safe deposit box and its contents but to no avail. 

I contacted customer service and advised the box would possibly be at the next closest bank. There are several different branches in XXXX, Georgia. I have no idea which one to contact, so I called customer service. This is the information Wachovia should be providing me. Inarguably, there are some tracking mechanism in place to tell you exactly how and where you disposed on the boxes left at that branch at the time of closure. 

The box has gone unclaimed for over 12 years. I understand you have a XXXX  Department who handles unclaimed boxes. I was issued two keys to the box and have since misplaced them in moving. I am now and have been a long-time Wachovia  customer XXXX My address at the time was XXXX XXXX XXXX, XXXX, Ga XXXX. I was a previous XXXX  XXXX customer with an address of XXXX XXXX  XXXX XXXX, XXXX, Ga XXXX. I am a current XXXX  customer at XXXX XXXX XXXX, XXXX, XXXX, Ga XXXX.. 

I was told the contents are then forwarded to the Georgia Department of Revenue. Of course, I contacted Georgia Dept. of Revenue and they have no record of such. They have referred me back to Wachovia. 

The amount of " run around '' I have encountered regarding this matter is tantamount and very poor customer service. Realizing a lot of time has passed, I humbly request a little more assistance from Wachovia  to help bring this issue closer to closure. 

I would really appreciate someone helping resolve this matter. As a long-time customer, I do look forward to your assistance in a timely fashion. 

My current email is XXXX and my telephone contact is XXXX XXXX XXXX. 

Looking for to your response. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. The following accounts have been reported as late payments, charge offs, or collections : XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collection Account XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these items are inaccurate and/or unverifiable. I request that these items be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

I would like to remind you that it is your legal obligation to investigate and correct any inaccuracies on my credit report. According to the FCRA, you have 30 days from the date of receipt of this letter to complete your investigation and respond to my dispute. If you fail to respond within this timeframe, I will consider the disputed items to be inaccurate and request that they be removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-05-28
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Check Recovery, LLC (GA)

I recieved a call from United check service in New York on behalf of payday from Investior XXXX from XXXX yes the calls were very threating I asked for information regarding this company as I was not aware of them the gentlemen failed to give his name the company name and location information I than googled my rights as a consumer and called back and asked for proof of this debt and other information. Again I was threatned with court and jail agian I asked for information about this company and debt I was told to shut and I continued to question information I was than called a racial slur he states XXXX this is what you need to do. I than hung up the phone.
Consumer complaint received 2022-12-20
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: OPORTUN FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 SECTION 602 states, I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 states that a consumer reporting agency can not furnish an account without my written instructions. UNDER 15USCS 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX 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 a account without my written instructions.
Consumer complaint received 2022-12-20
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: LEXISNEXIS (AZ)

XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 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 2024-03-28
Product: Credit reporting 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. (OK)

XXXX XXXX XX/XX/XXXX THE INDEPENDENT BANKER XX/XX/XXXX CITIZENS BANK XX/XX/XXXX TROPICAL FINANCIAL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SERVICES XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX BANK DELAWARE XX/XX/XXXX 2024
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-12-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (FL)

I was approved for Homeowners assistance program ( Haf ) for 18 months fwd pmts. XXXX pmt posted in XXXX with no problem and XXXX with no issue. XXXX XXXX was returned by bank and never resolved. Now I'm showing 1 month behind as each out that has posted since is covering the previous month for the missing XXXX XXXX. This is racking up late fees and hurting my credit. I have never been late on a pmt until haf. While I'm appreciative it's hurting me also. Then per guild mtg. My homeowners insurance tripled from XXXX to XXXX which increases my pmt XXXX per month. Haf covers XXXX I have to try to cover the rest but guild will not apply the haf pmt to my acct as it is seeing it as a partial payment. I've reached out to both haf and guild monthly since XXXX error. 
Thank you Haf app # XXXX. 

Address : XXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance law with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 a account without my written instructions
Consumer complaint received 2016-03-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commercial Recovery Systems (NC)

I believe that I have been targeted by debt collection scam by a firm named CRS purporting to be a law firm and threatening suit on a stale account in addition to not identifying themselves as a debt collector. Today I received a voicemail from their computerized pre-recorded auto-dialer that stated the following message : " This message is intended for [ my name ], we have been instructed to obtain a statement from [ my name ] prior to filing in your jurisdiction you can provide your statement directly to XXXX. '' I later called the number and the call was answered as " CRS '' by someone identifying themselves as XXXX who reluctantly said was a receptionist after extended questioning. I asked her why they called and she said that it was regarding a debt I owed. I asked where they were based out of and she said they are out of New York. I asked her if they were a debt collector and she said that they were not a debt collector, but a " pre-litigation '' ( her words ) company. I asked what that was and if this was a law firm, she stated again that they are a pre-litigation company and work with a group of attorneys. At no time did she explicitly state that the call was for debt collection purposes, despite stating the call was regarding a debt I owed. She confirmed my name and the county my address is in. 

She said that she would transfer my call to the paralegal handling my case after verifying my information which I gave to her. She transferred me to someone identifying themselves as XXXX who said that they were calling on behalf of XXXX XXXX XXXX who I failed to repay a debt to. I told her I do not recall having any current XXXX XXXX XXXX debts and she said that I opened the account in XXXX and stopped paying it in XXXX. I asked her if she was threatening me with a lawsuit on a time barred debt and she stated that it was illegal not pay them back. I told her failing to pay debts was not illegal and asked again if they were trying to sue me on a debt outside of the statute of limitations. She became very loud, abusive and insulting, which made me angry and I yelled back and she hung up on me. 

I called back the original number and spoke with the same person that answered the original call, I asked for her name and she said it was XXXX XXXX and I asked for my representative 's name and she said that it was XXXX XXXX. I Googled the name CRS and found out that the company was currently being sued by the FTC and has a history of similar actions in addition to no longer being licensed in my state.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Would you mind examining the documents? Some of the mentioned accounts seem to be inaccurate in terms of reporting.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2022 I sent Transunion, XXXX and XXXX XXXX return receipt letters demanding removal of accounts because they are not % XXXX accurate, verifiable and timely I have the right to challenge pursuant to Pursuant to 15 U.S.C. Section 1681i ( a ) From my understanding if they can not provide proof of the original contract, if it is not 100 percent accurate and timely reported within 30 days these accounts must be deleted. 

The accounts below have not been deleted and are inaccurate and I have also noticed that information has been added reporting a wrong name and address that I have no affiliation to and none of the information is correct with all credit bureaus. 

XXXX XXXX XXXX XXXX HAS NEVER BEEN MY ADDRESS XXXX XXXX IS NOT MY NAME XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX {$0.00} balance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX {$920.00} and XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX GA XXXX {$680.00} XXXX  XXXX XXXX XXXX, XXXX, FL XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$350.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX NV XXXX {$850.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX {$1400.00} I demand the following accounts, addresses and names be verified or removed immediately .

I also want an updated credit file, who accessed my credit file, the results of the investigation all mailed back to the correct address. 

Please remove all accounts because they are still not accurate pursuant to 15 U.S. Code 1681g and 15 U.S.C. Section 1681i ( a ).

Thank you, XXXX XXXX
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made a purchase on my Capital One Spark Business credit card on XX/XX/2023 from XXXX XXXX XXXX for a 3 month marketing campaign. The deliverables were not per the contract, regular reporting was not being done, and the merchant was unresponsive/late with responding. After repeatedly contacting the merchant starting approximately the first week of XX/XX/2023, I requested to cancel my campaign, at which time the merchant threatened legal actions. I received no further communications after XX/XX/2023. So, I contacted Capital One and disputed the transactions on the grounds that I did not get what I paid for. On XX/XX/2023, Capital One recharged my card upon the merchant responding. The merchant presented both the original contract ( signed ), as well as their analytics to Capital one. Capital one gave me a chance to dispute this by XX/XX/2023. On XX/XX/2023, I submitted my response along with my contract ( unsigned ) and my own analytics from my website which does not match what the merchant reported. I contacted Capital One on XX/XX/2023 as I had not received any further correspondence. I was advised to check my account at capitalone.com for correspondence. Here I found a letter from Capital One dated XX/XX/2023 declining my response and reinstating the charge from XXXX XXXX. I, however, never received this correspondence and had no knowledge of it until XX/XX/XXXX. Also, the correspondence asked for further documentation which was not clear. After inquiring with the agent on the phone, I was told that I needed an original " signed '' agreement which was not previously stated. Capital One is also requesting a " second opinion '' from a competitor of XXXX XXXX, even though I did submit my own analytics from my hosting company. Further, my campaign was supposed to be for 3 months. My campaign went live on XX/XX/XXXX and I've had 0 correspondence from the XXXX XXXX  since XX/XX/XXXX, XXXX s such, I believe they did not uphold our agreement and that Capital One has failed in holding them accountable, instead, they have me paying for services that I did not receive.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (NJ)

Truist bank has been contacted by me multiple times about automatic payment. They have told me each time they will send me the paperwork to enroll. I have never received it. There is no way to enroll online. The website is cumbersome to use and makes it difficult to make payments without opening a separate checking account with them. They are anti-consumer and have charged fees resultant from their difficult website. They are not concerned with customers at all.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (AZ)

The Aspire credit card company agrees they owe me a refund of {$18.00}. However, while they insist upon sending me a check in the mail... they never do. Numerous emails and phone conversations indicate they will send the money, but find excuses such as not having my address when it has never changed and is registered clearly with the company.