davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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. (MD)

XXXX XXXX { XXXX XXXX XXXX, XXXX Maryland XXXX { XXXX } XXXX : XX/XX/1995 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Experian Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : { XXXX XXXX } By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

16811 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you ple
ase send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX Maryland XXXX
Consumer complaint received 2022-12-22
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. (SC)

After submitting information that needs investigating I found that my credit scores are significantly lower, and because of one of the same accounts that I'm having a problem with. Every credit agency now has me in the low 600s. I was heading toward the mid 600s ... this is really discouraging!!! I definitely need this to stop and my scores to show back above the 630s. Thank you all in advance for your help with this issue.
Consumer complaint received 2022-12-22
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. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-06-06
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)

There are two erroronus, dismissed XXXX XXXX bankruptcies being reported on my XXXX, Experian and XXXX credit files. The bankruptcies were filed on XX/XX/21 ( filing # XXXX ) and XX/XX/21 ( filing # XXXX ). I have disputed these bankruptcies with XXXX, Experian and XXXX multiple times and they have responded " verifying '' the bankruptcies through the bankruptcy court and also through the third-party vendor, XXXX. Since, I have reached out directly to the bankruptcy court and they responded with a letter stating that the BANKRUPTCY COURT DOES NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. Please review the attached letter from the court. Then how could they have verified the bankruptcy through the court? The letter sent by the credit bureaus also states that they receive public records information through the third-party vendor, XXXX. So I disputed the bankruptcies with XXXX and they responded by removing both bankruptcies from my XXXX file. Please see the attached Letter from XXXX and also a copy of my new XXXX Report. These bankruptcy have severely damaged my credit with my credit score dropping over 200 points and also having ALL of my credit cards terminated. This has been a nightmare!! The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2019-11-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Several weeks ago I called about my loan which was past due. I've been enrolled previously in a low income driven plan that reduced XXXX payments. I advised I wanted to reenroll in that service. I was put through an automated service, advised I will be paying XXXX monthly for 6 months. I asked about Forbearance on my past due, because that was always done in the past. I was told I will have forbearance applied. 

I called Navient this morning. I was told that I will get forbearance only have 3 consecutive payments. I was placed in a different program than I called about. I discussed at how the rep told me this over the phone on the forbearance. He said he will have the Supervisor review the phone call coach the representative. I advised this will not help me in the present. I explained my frustration that I specifically asked about this, because I do not want my information to be reported to the credit beuaru. I also mentioned student loans are taken very seriously by Federal laws, what is promised over the phone, and shared has to be very accurate. I discussed I would share this with a third party agency such as this one. He quickly placed me on hold to get a Supervisor. He came back without one, said I can sign up for another program, but I will have forbearance after 3 payments. This was also explained in the 5 minute recording I listened to. I asked the representative in the previous call this information on the forbarance after the recording and she confirmed I would have it after the payment.
Consumer complaint received 2023-09-27
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. (FL)

Accounts still remaining in question as of XX/XX/XXXX that do not belong to me : XXXX : -XXXX  XXXX XXXX Open balance {$830.00} -XXXX XXXX XXXX  medical balance {$690.00} -credit score incorrectly lowered on XX/XX/XXXX by XXXX points when no accounts were removed or added to credit profile. 

-Please remove all addresses and contact numbers incorrectly reported. Previously provided correct address and contact number Transunion- XXXX  XXXX XXXX Open balance {$830.00} XXXX XXXXXXXX Open balance {$410.00} Hard Inquiry-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX {$230.00} XXXX  XXXX XXXX Open balance {$830.00} XXXX XXXX- Open balance {$410.00} Hard Inquiry-XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX- {$250.00} XXXXXXXX XXXX  {$230.00} Delete all addresses- Current and only XXXX XXXX XXXX XXXX FL. XXXX XXXX-Current and only phone number delete all others. 

Also requested an annual copy of my credit report and was denied a copy. Please mail SSN : ending XXXX SSN : ending XXXX XXXX ending XXXX XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$690.00} XXXX XXXX XXXX XXXX XXXX  {$830.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX {$230.00} 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 XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I used Bank of America ( BoA ) for an online balance transfer from a different card, we wanted better 0 % rates. 2 weeks went by without any confirmation of a transfer. On the 3rd week I checked both the BoA account and the other account. Neither showed any activity beyond what I had paid. At this point I also had not received any mail from BoA either. So I went back online and attempted a 2nd time to make a balance transfer, but this time through a check in the mail. I did receive the check and the literature that is normally associated with these activities from BoA. I used the check to create a balance transfer and it was successful. 

A few days later a second online transfer was made and I did receive the same information I had received from the check transfer a few days earlier. I called BoA and inquired about the details of the online transfer. After much dialogue, BoA stated that they made a mistake and that I simply needed to ask the credit card I was transferring out of for a refund, apply it to the BoA account ; and when that was complete I could call BoA would remove the 2nd transfer fee because it was their error. It was stated they would have notes in the system. 

All this was performed and when I called BoA they stated they would not remove the 2nd fee. To insult to financial injury the original BoA person who was adding the notes into the system gave me a direct number to the BoA Balance Transfer Specialist Department that actually was for the XXXX XXXX XXXX XXXX, or airport lounge.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (OH)

Approximately XXXX months ago from XX/XX/23 I called XXXX XXXX Services to pay my annual fee and close my account. I was on the line with an employee for about XXXX minutes who said my account had been closed. 

Today XX/XX/23, I received a letter in the mail saying my annual fee was about to be charged. I called again and attempted to cancel my account and was asked a multitude of questions in an attempt to keep my account. The representative claimed to close my account but provided no confirmation of the such and said confirmation would come by mail. I do not think my account was closed.
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

According to my credit report a loan under XXXX XXXX was originated on XX/XX/2020. The amount owed per Resurgent is XXXX, and per XXXX XXXX  I supposedly owe only {$16000.00}. Due to non payment the loan was sold several times, and currently under debt collection agency named Resurgent phone number XXXX XXXX. I contacted both agencies who both agencies who were unable to provide me with proof of ownership for the loan. I specifically asked Resurgent on XXXX if they can provide proof/paper with my signature on it and I was told by them that they DO NOT have that information. I was instructed to reach out the the original lender XXXX XXXX XXXX ) which I did on XXXX. XXXX XXXX informed me they could not supply me with any documentation of ownership and only provided me with account # XXXX. Both my email and social security number were compromised and feel that both parties ( Resurgent and XXXX XXXX ) violated my rights. They couldn't provide me with proof of contract or that they have a right to collect on the debt. I was denied a breakdown of the billing, original ownership of the contract, a signature signed on the contract, and payment history. Neither company could or would provide me with this information. Therefore, I would like to dispute this matter and would like this item removed from my credit due to these laws being broken. 


15 u.s.c 1681 ( 602A ) 15 u.s.c 1681 ( 604 ) 15 u.s.c 1681c ( a ) ( 5 ) 15 u.s C 1681 S2 ( A ) ( 1 )
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 2023-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I am filing a dispute because the information on this account is not accurate. The debt on this account has been settled and the balance on this account is {$0.00}. I have proof from the collection agency that this debt has been settled.
Consumer complaint received 2023-06-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (TX)

XXXX calls 2 to 5 times day both myself and my wife, and uses false pretenses for call, tries to hide intent by using false caller id tags such as XXXX. The debt is a medical bill from XXXX XXXX XXXX that was sent more than 15 months after procedure and was only contacted by medical service once. Service was received XX/XX/2021 and paid XXXX at time of Service was then billed XXXX on XXXX despite being told we would owe nothing more out of pocket
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Around XX/XX/XXXX - XXXX of XXXX, we received conflicting information about how the Capital One Venture X card 's annual {$300.00} travel credit worked. On the website, they had a tracker that showed that the credit would reset in XXXX of XXXX. We were unsure of what date that meant so we called multiple times and spoke with reps to confirmed. In fact we had cases escalated so it would be recorded. 

Ultimately we were told by Capital One reps that we can make any transaction in the month of XXXX and up until the last day of the month ( XX/XX/XXXX ) for it to be applied to the XX/XX/XXXX- XX/XX/XXXX anniversary year. When asked for a case number, the rep just gave us her ID : XXXX. 

Jump forward to XXXX of XXXX - we try to use the credit but are now told the opposite that we can't use it. They make different versions of events saying they don't have records of the conversation ( even though it's less than a year ). We spent 1.5 hours on the phone to be tossed around departments and then ultimately they pretended to transfer again but conveniently 'lost ' the connection. We asked multiple times for information on the case and ask them to review the call logs but they all reps deflected.
Consumer complaint received 2022-12-23
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. (MO)

PLEASE LOOK AT MY CREDIT REPORT. I HAVE HAD A FREEZE ON ALL 3 CREDIT BUREAUS AND HARD INQUIRIES ARE STILL HAPPENING. IF THE CREDIT COMPANIES DON'T FIX AND CFPB DON'T FIX, WHAT IS MY NEXT STEP. THE HARD INQUIRIES ARE KILLING ME. I RECENTLY ( 1 WEEK AGO ) TOOK THE FREEZES OFF ALL THREE. I RECENTLY HAVER TRIED TO GET A XXXX XXXX  ON BALANCE TRANSFERS BUT DENIED DUE TO HARD INQUIRIES. INITIALLY I HAD THE SAME PROBLEM WITH EQUIFAX, XXXX, AND XXXX. ALL THREE REPORTS HAVE SHOWED I HAVE A SIGNIFICANT AMOUNT OF INQUIRIES. I DISPUTED ALL THREE COMPANIES VIA EMAIL AND PHONE BOTH. WHEN I DISPUTED VIA EMAIL, IT TOOK THEM ONLY 1-3 DAYS TO COMPLETE. PROBLEM WAS, NOTHING WAS FIXED. SO THEN I CALLED TO FIX THE ISSUE ON ALL 3 REPORTS. MY HOLD TIMES WERE UNBELIEVABLE. ANYWHERE FROM 90 MIN TO 3 HOUR HOLD TIMES. NEEDLESS TO SAY, AFTER FINALLY GETTING A HOLD OF SOMEONE, THEY STATED TO PUT A FREEZE ON MY REPORTS. I DID WHAT THEY REQUESTED. AGAIN, THE INQUIRIES ARE STILL ON THERE. I COMPLETED A FRAUD INVESTIGATION WITH ALL 3 COMPANIES AND I STILL HAVE A FREEZE ON ALL THREE COMPANIES AS THEY REQUESTED. THE OVERALL PROBLEM STILL REMAINS WHICH IS I STILL HAVE A UNBELIVABLE AMOUNT OF HARD CREDIT INQUIRIES CAUSING MY SCORE TO BE BELOW XXXX. MY SCORE WILL BE XXXX OR ABOVE IF THE WOULD FIX MY REPORT. THANK YOU FOR YOUR TIME
Consumer complaint received 2023-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (PA)

On XX/XX/2023, I had contacted Affirm regarding a purchase made and financed through them. I am able to see that each payment has been made and the amount, however there is no option for a monthly statement or any kind of breakdown or analysis on principal and interest of each payment. 

As an XXXX XXXX XXXX XXXX XXXX, I keep detailed personal financial records for budgeting purposes. While i may have the wherewithal to come within a reasonable estimate for my purposes, the fact that they can not and will not provide this information to consumers is unacceptable. The lack of transparency, through my point of view, is a predatory practice which unequivocally affects the less educated consumer, who would have no clue how much they are truly paying in interest.
Consumer complaint received 2022-12-23
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. (NJ)

When I investigated my credit report, I realized that some of the items was 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 below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX My income was interrupted and I am just now getting back employed on a regular basis..
Consumer complaint received 2022-12-23
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 need to be corrected from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 need to be corrected from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
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. (CA)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 

XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX : {$73.00} XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXXXXXX XXXX XXXX {$600.00} ; XXXXXXXX XXXX  Balance : {$2900.00} ; XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-12-23
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX