davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
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. (CA)

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX US DEPT VETS DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXXT US DEPT VETS DEPTEDXXXX
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I noticed several inaccurate and erroneous information on my credit report accounts, and discrepancies that cause my credit score to take a deep dive in scores. I am submitting this complaint pursuant to FCRA 15 U.S.C. section 1681 ; 1. I noticed that XXXX account is reporting that I am not paying on the debt owed. I state that I made payment  arrangements with XXXX and I have met the agreement by paying more than the minimum arrangements. The reporting from XXXX  is incorrect. 
2. I contend that FICO, XXXX, Experian, and XXXX  all credit bureaus have applied unfair practices to calculating my overall credit score. I state that my payment history is more than 90-percent and I have no Derogatory marks or collections on my credit report.

However, my credit score is lower than when I had numerous accounts owed on and collection acccounts on my credit report more than three years ago.

3. I state that the credit score is not consistent with my overall credit score which was XXXX in XX/XX/XXXX. I contend that my credit score is not fairly calculated and assessed by the Credit Bureaus.

Therefore, I am requesting an investigation into this matter and ask that this Bureau review my claims and order the Bureaus to re-calculate my credit scores in keeping with Fundamental fairness practice.
Consumer complaint received 2020-03-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Hi, I submitted a request for multiple accounts to be investigated on my XXXX  credit report. XXXX  will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements. 

These statements I have received tells me XXXX has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract. 

I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX US DEPT VETS DEPTEDXXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX  DEPT VETS DEPTEDXXXX
Consumer complaint received 2020-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hi, I submitted a request for multiple accounts to be investigated on my XXXX  credit report. XXXX  will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements. 

These statements I have received tells me XXXX  has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract. 

I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX) sent me NonRenewal Notice of Termination effective XXXX XX/XX/XXXX Truist Bank XXXX Mortgage Lender sends letter to me stating XX/XX/XXXXXX/XX/XXXXnotified them my property insurance was cancelled ONE YEAR PRIOR : XX/XX/XXXX and will FORCE PLACE hazard property insurance {$4000.00} because they did not read XXXX XXXXXX/XX/XXXX NonRenewal Letter accurately . 

XX/XX/XXXX. XXXX Truist sends second notice XXXX XXXX " XXXX cancelled XX/XX/XXXX '' and they will FORCE PLACE. 

XX/XX/XXXX I email XXXX and attach Truist letter XX/XX/XXXX with WRONG insurance expiration date AND I attach the XXXX XXXX NonRenewal Notice cancelling insurance XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX, agent, XXXX XXXX called spoke directly to Truist, faxed them the XXXX XXXX Policy DECLARATION Page showing Effective Dates XX/XX/XXXX to XX/XX/XXXX. Specifically told them they are reading the dates WRONG. There NEVER was a lapse in coverage. 

XX/XX/XXXX Truist FORCE PLACES Hazard Property Insurance and charges {$4000.00} to be added to my Insurance Escrow XX/XX/XXXX I purchase XXXX XXXX XXXX XXXX. Truist pays XXXX XXXX {$2100.00} annual premium to be added to my Insurance Escrow
Consumer complaint received 2020-04-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

On XX/XX/XXXX I received a notice of collection from Wakefield and Associated ( acct # XXXX ) in the amount of {$1000.00} indentifying the creditor as XXXX XXXX  XXXX XXXX. 

In calling Wakefield to discern what this collection bill was for, I was informed that this was for medical services provided to me in XXXX. While I have acknowledged that I have received medical services, some of which have been ongoing, I have no invoice, statement, or bill from this specific situation. 

I then called my health insurance company ( XXXX XXXX ) and spoke with a representative ( XXXX ) who said this was most likely from an ambulance ride to the ER that was required. They had not received a finalized bill from the provider and could not determine the amount that I was responsible for or what they would be covering. She said that I needed to contact them once I had received the bill and they could advise on how much I should be paying out of pocket. 

We attempted to call XXXX XXXX XXXX and request the invoice be sent to us directly or to the insurance company and advised I would not be paying any amount until I had an invoice from them for the services. They promised to send that to us on XX/XX/XXXX and on XX/XX/XXXX we still have not seen any invoice. I contacted my insurance company and they also have not seen any invoice. 

I called and spoke with XXXX at the XXXX  XXXX today ( XX/XX/XXXX ) and she advised me that they could in fact, not provide me with a copy of the invoice any longer as it was moved to the collections group. She verified the amount for me ... .. But she said there were multiple attempts to send to my address, and I confimed my address, yet I have not received any of these notices. I requested today if she would be able to email me a copy of the invoice and again was told no. 

She advised I would need to contact the collections group. I told her that we had already contacted them and they also were not able to furnish a copy of the invoice, only the total. At this point, I am planning on paying the amount as I believe I owe and I have very good credit and do not wish for this to be a continued problem. That said, the inability for either the original billing party to provide an invoice to match the payment due or of the collections companny to furnish same, is concerning and frankly I don't see how that practice should be allowed as there is zero protection for the consumer.
Consumer complaint received 2020-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY (TX)

In XXXX, 2020 " American Express '' cardholder XXXX XXXX and I agreed upon payment of a flat fee of {$10000.00} for professional legal services. I have a witness named XXXX XXXX who can attest to this. Payment was made in 3 separate payments ( XX/XX/2020, XX/XX/2020 and XX/XX/2020 ), one week apart from each other and with XXXX 's prior knowledge and approval. The legal services consisted of drafting very specific, unique and complex settlement legal documents between 2 parties ( XXXX and XXXX ) in attempt to prevent a legal matter from going into a lawsuit. These documents were prepared to XXXX 's unique specifications and provided to the both parties, who then decided between themselves not to execute the documents. 

Failure of the settlement has now resulted in a very large lawsuit against these 2 parties. 

In XXXX, 2020 XXXX sent a {$10000.00} " charge dispute '' to " American Express '' in an attempt to reverse the charges claiming he had " no knowledge '' of the charges for the legal services. " American Express '' investigated and confirmed to " XXXX '' ( my card payment processing merchant ) that the dispute was resolved in my favor. 

Today XXXX again contacted " American Express '' in what is clearly an attempt to commit " theft of professional services '' and dispute these charges. The services have been 100 % performed and provided in a timely and diligent manner. XXXX is abusing his card privileges with " American Express '' ( or " American Express '' is condoning XXXX 's behavior ) because I am aware of several other " disputes '' he has had with other professionals where he seeks to have charges for professional fees reversed in " bad faith '' and with the intent to harm professionals who provided his services.
Consumer complaint received 2020-04-01
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. (OH)

My credit card was used as part of a fraudulent purchase. I have filed multiple disputes with Citibank and they are not helping me. Citibank recently ruled in favor of the merchant despite it being fraudulent. The other 2 credit cards ( XXXX and XXXX ) which were also used in the same fraudulent purchase have already ruled in my favor and refunded my money to me. Citibank is unwilling to do so.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just became aware that this debt with XXXX XXXX XXXX is still showing as a " collection '' item in my XXXX  and Transunion credit report. I am trying to purchase a house and this incorrect reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( XXXX, XXXX, and TransUnion ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.
Consumer complaint received 2020-03-22
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. (AZ)

Hi, I submitted a request for multiple accounts to be investigated on my Experian credit report. Experian will come back and say the account has been verified. I would have no issue with this if items were properly investigated. I have attached multiple account statements I have received from collection accounts saying they verified my account with these statements. 

These statements I have received tells me Experian has not investigated properly. Anyone can make a Statement saying I owe money its not the original signed consumer contract. 

I expect the accounts I have attached to be deleted and I also expect all my other accounts to be re-investigated properly and validated. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Hello Im filing this claim to have my credit report corrected. The company XXXX has reported false missed payments and Delinquencies to all the credit Bureaus. I have not missed any payments on this account. I paid this account balance down to XXXX in XXXX, and I have not with drawn since. The information being reported to the credit Bureaus is false and its effecting my credit score in a negative way. As of right now they are reporting a balance of XXXX and XXXX missed payment from XXXX through XXXX. I paid this account Down to XXXX in back XXXX and have not with-drawn since. I am not aware of any transactions that were made from XXXX through XXXX. This app is a scam. Please remove them from my credit report.
Consumer complaint received 2022-12-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called boa to inform them of my mortgage not being report to XXXX, the mortgage is reflected on the other 2 credit reporting agencies. They sent me correspondence detailing the call. Fast forward 90 days later the account still isn't on my credit report so I sent another correspondence and called them to inform them. They sent a letter stating that the account had been resubmitted to XXXX.