davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit 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 (CA)

On XX/XX/XXXX, I notified Capital One of a dispute with a merchant, XXXX, concerning a service that I purchased, but did not receive in accordance with the contract I signed with them on XX/XX/XXXX. The billing amount for which I sought a refund was {$750.00}. 

For reference, the contract established with XXXX, was for digital marketing for my independent small business. The total billable amount was for {$1500.00}, of which I paid {$750.00} using my Capital One credit card. The merchant did not provide the agreed upon service. I was notified by XXXX, the platform on which XXXX was contracted to provide digital marketing, that the marketer ( XXXX ) violated the terms of XXXX XXXX XXXX XXXX for XXXX XXXX. After I was unable to resolve the issue directly with the merchant, I contacted Capital One 's Customer Care team to dispute the charge. 

I have gone back-and-forth for the last few months with Capital One. I have provided details on the situation, but fear there is a lack of understanding on the intricacies of how the merchant in question failed to render the services that were agreed upon. That said, it is clear that XXXX blocked the ads and I did not receive the services for which I paid. 

On XX/XX/XXXX, Capital One sent me a letter that the dispute has been closed, citing " a limited amount of time to reverse a charge on ( a ) customer 's account ( s ) ''. This is not valid for this dispute. Again, the transaction in question was billed on XX/XX/XXXX, and I notified Capital One of the dispute on XX/XX/XXXX. Given the timing of my report to them, as well as the necessary back up that I provided, I am expecting a complete credit of this charge in the amount of {$750.00}. 

Please also note that I paid for part of the contract with XXXX with a different credit card. That card issuer, XXXX, was provided with the same details I have shared with you and already resolved the matter by issuing me a full refund. This leads me to believe that Capital One is not acting in good faith to resolve the {$750.00} dispute I have brought forward. 

On XX/XX/XXXX, I sent a fax to Capital One requesting that my case be escalated and the refund be issued. ( I havea confirmation that the fax transmission was received, but I never recevied a response from Capital One. ) I am a small business owner and struggling to make ends meet in this economy. I need help getting this situation resolved. I believe this refund should be covered under the Consumer Rights that Capital One has published.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (IL)

Locked my account for transactions as well as for existing re-occurring transactions on website and transactions were allowed to post. I called the the XXXX XXXX XXXX XXXX and the lady I spoke to didn't understand why the transactions went through. She said she reset the card and nothing would be able to post. I paid that bill, but was reassured that nothing else would post as long as my card was locked. Once again I receive a bill. I call again on XX/XX/XXXX to complain and tell them to close my card. I was on the phone for sometime with the lady, because she didn't understand how the transactions posted. She kept asking if I was sure I wanted to close my account. I stated yes severely times, and I asked for a conformation letter, which I never received. Thank goodness I never signed up for estatements or I probably wouldn't of notice charges went through again on XX/XX/XXXX and XX/XX/XXXX. I called again as well as sent messages through their website. I asked for this to be escalated as well as a formal complaint be submitted. I wanted to know how transactions post to a closed account. I was once again answered with an apology from someone as baffled as I was. I was told that they did see that my account had been closed and they didn't know how a transaction posted to a closed account. I thought this would of been cleared up ASAP, but no. On XX/XX/XXXX another transaction went through. So, again I message and called which takes a bit of time to actually get to talk to someone. Again I asked to talk to a supervisor and ask that person to go back through my calls as well as the messages that I sent. I was met with another apology and told that they would put through disputes. I again asked for a confirmation letter be sent out on my account being closed on XX/XX/XXXX. I still have not receive. Charges still on account.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on enclosed with this letter. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Please send the following information used to verify the validity The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section XXXX, and pursue legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

account resolution services XXXX bought " my '' credit file from XXXX XXXX Florida XXXX XXXX. they call XXXX XXXX XXXX times a day they mail bills and in doing so they are asking for full amount owed due to emergency room visit that are XXXX over the original amount there are XXXX collections on my XXXX and XXXX report, the problem is XXXX XXXX  waived the dept because of income except for XXXX of the XXXX amount meaning that XXXX of the XXXX had a XXXX $ balance that is now XXXX $ XXXX per claim against me. further they on my credit report change the date to the current date every month making it impossible to ever fall off my record. I am in dispute status with XXXX and with XXXX over these XXXX claims but the results were that they were valid and this can not be because the dates are changing plus the forgiveness of dept in the first place by the hospital. also XXXXXXXX XXXX said Florida physicians charges as well but that this is the problem when you go the ER at XXXX XXXX you don't see a doctor ( physicians ) you see nurses practitioners so why a separate bill to see a doctor when you never saw a doctor. these XXXX injustices need to be removed from all 3 Major credit report agencies and ARCS should be fined for date changing.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

I have mailed letters to Vance & Huffman LLC ( on XX/XX/20 ) as well as spoke on the phone with the company stating I need validation of this debt they claim I owe. I have yet to receive a contract with my physical signature, nor have I received any form of mail correspondence pertaining to this debt. They are reporting on my credit which effects my employment. I spoke to the original creditor and was told that I have a {$370.00} balance with the company. I request that this account be closed and removed from my credit due to the fact I don't owe this debt and the company has failed to provide any documentation which is a violation of the Fair Debt Collection Practices Act. 
They have been sued in federal court for violating consumer 's rights while collecting on alleged debts. Among the numerous alleged violations, Vance & Huffman
Consumer complaint received 2023-09-05
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. (FL)

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.

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 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 2023-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Activehours (NJ)

I have asked on numerous occasions to move repayment dates to week later at times and they refused everytime except first. I asked to close down my account and not charge my account all at once so I don't be one reliant on them and they refuse to spread repayment out. They have no support at all. It's caused me to be further in debt because of this.
Consumer complaint received 2023-08-10
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. (MI)

I am writing to express my deep concern and frustration regarding the ongoing presence of an inaccurate and fraudulent account on my credit report. Despite my repeated attempts to rectify this matter and provide you with substantial documentation proving the incorrectness of the reported information, Experian has failed to take appropriate action to correct my credit report. By not Removing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/ XXXX XXXX I want to emphasize the severity of this situation and the potential consequences of Experian 's continued non-compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. If this matter is not promptly and accurately addressed, I am left with no choice but to pursue legal action to protect my rights and seek appropriate remedies. 

As a responsible consumer, I have taken every necessary step to provide Experian with clear and compelling evidence that establishes the fraudulent nature of the account in question. This includes submitting copies of my Michigan state-issued driver 's license, a valid police report documenting the identity theft, and a report filed with the Federal Trade Commission ( FTC ) regarding this fraudulent activity. I have fulfilled my obligations under the law by providing Experian with all the necessary documentation that 100 percent accurately associates me with the account in questionnamely, none. 

Experian 's failure to properly investigate and remove this fraudulent account not only violates my rights under the FCRA but also exposes me to significant harm. The inaccurate information on my credit report has the potential to affect my financial standing, hinder my ability to obtain credit, and cause immense distress. It is imperative that Experian rectifies this situation immediately and ensures that my credit report accurately reflects my creditworthiness and financial history. 

I implore Experian to take this matter seriously and prioritize the resolution of my dispute. Failure to do so will leave me with no alternative but to seek legal counsel and pursue legal action against Experian. I trust that Experian understands the gravity of this situation and will take the necessary steps to correct my credit report in a timely manner. 

I demand a written response from Experian within [ specify a reasonable timeframe ] acknowledging the urgency and seriousness of my complaint, and providing a clear plan of action to rectify the inaccuracies on my credit report. It is my sincere hope that we can resolve this matter amicably and without resorting to litigation. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and a satisfactory resolution to this dispute.
Consumer complaint received 2024-05-02
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (LA)

The following is a detailed account of a recent incident that has caused me immense frustration and stress. I am currently XXXX XXXX and have been XXXX since XX/XX/2023. While I was away, Dell, which was sold to Comenity Bank, made some changes to their payment system. Unfortunately, these changes also affected the auto-pay system that I had set up for my account. Although a notice was sent out via mail, I was already XXXX at the time and did not receive it. 

Prior to this change, my account had always been on auto-pay, and I had never missed a payment. However, when Dell/Comenity Bank made this change, my auto-pay was stopped, and as a result, XXXX months of payments were missed. I was unaware of this until I started receiving alerts of a delinquent account through my credit monitoring services, which I had started because someone in XXXX had tried to steal my identity. 

As soon as I received this alert, I contacted Dell immediately to schedule payment and inform them of what had happened. They took off only one of the missed payments and left the other. I have called them over XXXX times to resolve this matter, but they keep giving me a number to their " credit department, '' which turned out to be XXXX 's number. I had already disputed this matter with the credit bureau, but they did not change it even after I paid the account to a XXXX balance. They shrugged their shoulders and told me that there was nothing they could do. 

Currently, I am XXXX  days from redeploying back home and still can not get approved for my XXXX  loan because of this late payment. My lender has informed me directly that this has caused an issue, rendering me homeless at the moment. This situation has caused me immense stress, and I am hopeful that it can be resolved soon.
Consumer complaint received 2022-12-07
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 the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: New Hampshire Northeast Credit Services, Inc. (MD)

I have told this companies that i don't have any business nor in the present nor in the past and for them to remove this collection from my credit report and they refuse to do so. 
i call then and they treat me, using intimidation tactic, tell them that i dont have any business and the acount have been paid. 
i dispute in multiple ocation to the credit bure and still in my report. 

i
Consumer complaint received 2023-09-05
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. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX CARD SERVICES XXXX and XXXX - CARD SERVICE XXXX
Consumer complaint received 2022-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: High Mountain Funding Inc. (FL)

I've disputed the following account since XXXX. 

( High Mountain Financial ) Original Creditor ( XXXX XXXX XXXX Bank ) Please note that this account is not being reported on XXXX or XXXX And is only being reported on XXXX. 

This is a violation of federal law. 

I've sent a dispute letter challenging the report of this account This account can not be fully verified by either XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. A violation of federal law.
Consumer complaint received 2023-06-08
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)

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.