davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have numerous account entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records & other items that are being reported as an error. I want to know this information because these items keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. Here are a list of items that have not being investigated correctly and I would like to be removed : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX
Consumer complaint received 2020-07-13
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 (TX)

I booked a rental property via XXXX  ( XXXX ). Upon reading the reviews that came in a few days after I booked the rental I became aware that the property was unsafe and that there were roosters directly across the street from this property. I called and texted the owner regarding the reviews. He confirmed that the reviews were true. I asked him about the broken locks on the windows and he said " he never had a problem with break-ins before ''. He did not offer to fix the locks. I requested a full refund ( XXXX ) from him via the XXXX website. He only refunded my pet deposit ( {$25.00} ). I then booked another property. I disputed the charge with my credit card company ( Capital One ) for the amount of ( {$240.00} ). The credit card company denied my dispute because they " found that we already responded '' by refunding the initial pet deposit ( {$25.00} ) ( not the full amount ). XXXX disputed the refund because of their policy Which said that I had to cancel 2 weeks before my booking. Unfortunately, I booked the reservation after the 2-week cancellation policy. The XXXX terms and conditions state that the property owners are not to provide false or misleading information. It is misleading to allow people to rent your property knowing that there are broken locks on windows and roosters crowing. It should be a XXXX responsibility to ensure the safety and comfort of these properties before enforcing arbitrary policies. I do not think it is fair that I paid for a property I did not use, especially considering that the property was unsafe.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On XX/XX/XXXX Portfolio signed a certified letter with return of my dispute that I sent to them. I checked my credit profile on XX/XX/XXXX and Portfolio FAILED to mark my account " DISPUTED ' which is REQUIRED by the Fair Credit Reporting Act and the Fair Debt Collection Reporting Act. Nor have they sent me any proof that I owe this alleged debt.
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp (MS)

I rec. a debt collection letter. I responded immediately upon receiving this letter in the mail. I disputed the debt/debt validation. I requested the following information.

I respectfully request that they provide me with the following information for this debt.

( 1 ) identify the original creditor, ( 2 ) last date of activity, ( 3 ) last date account was paid, ( 4 ) an Original copy of the contract between myself and the original creditor with my signature, ( 5 ) the proper and legal assignment contract between you the collection agency and the original creditor ( proof that you can legally assigned to collect this debt on behalf of the original creditor and not just buying debts for pennies on the dollar to collect illegally ) ; purchase agreement, ( 6 ) proof that you are licensed to collect debts in the State of Mississippi.

( 7 ) a line by line accounting of the ORIGINAL account ( transaction history, a full breakdown ), They did not provide me the information requested and after receiving my letter in which I responded within 30 days,. They reported this debt to the credit bureaus and ignored my request. I am trying to obtain a mortgage and they have damaged my credit and me with this negative reporting. They have violated my rights under FDCRA, FCRA, and 1692g ACT ( b ). I am entitled by law to the following information above according to the law and they have violated my rights. Up to this date I have not rec. the information above I requested well within my 30 day period according to 1692g Act ( b ). And after receiving my request that I sent returned receipt requested and they signed for it they still reported this debt to the credit bureaus and have not sent me the information I am requesting.
Consumer complaint received 2020-08-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed with all agencies with no responses starting XX/XX/XXXX. Please provide documentation of what actions were taken on all disputes online and in the mail. All claims made are still valid.
Consumer complaint received 2021-07-13
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 THE WEST (CA)

Good afternoon, I place a dispute with XXXX  and XXXX XXXX because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (MS)

This is my eight 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX/XXXXXXXX
Consumer complaint received 2021-02-09
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. (CA)

XX/XX/21 Im upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later i still havent received a response yet. I did my research I know the credit bureaus have 30 days to replyby ignoring my disputes i took time to send them. Section 611 ( a ) states that failure to investogate these items within 30 days gives a reason to immediately remove promptly. Due to that law, I demand these accounts be deleted immediately or i will file a litigation do to the stress you cause me.
Consumer complaint received 2019-05-16
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. (MO)

On XX/XX/2019, I sent TransUnion a certified letter for method of verification of a Chapter XXXX bankruptcy reporting on my credit report. After waiting over 15 business days for a response I sent another certified letter on XX/XX/2019, letting them know that I have waited passed the allowable time for information on method of verification and since they failed to provide the proof to me that they violated my rights as well as that in itself is grounds for immediate deletion from my credit file. TransUnion continues to violate my rights with verifiable proof to keep reporting said item above.
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

Continually the same problem with this bank. Incorrect balances, I can not sign into the so called MY SYNCHRONY data base t0O make a payment, Customer service experiences rude, unprofessional, uncaring and problems remain unresolved. Current balance incorrect and they really do not care pay or else. They do NOT respond in writing nor do they ever keep conversations on file that reflect customer side - only theirs! Right now and gain I can not sign into the data base to make a payment! \IT would be nice if you could correct the incorrect information you continue to populate for years!!! Then again you evidently do NOT read these comments or if you do you do not comprehend English? You tell me? 

SEE -- -- Your contact information XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Females in America are not identified as XXXX XXXX!!!!!!
Consumer complaint received 2021-04-22
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. (KY)

I disputed the inaccurate negative information from XXXX XXXX XXXX. I made a purchase with XXXX XXXX  XXXX XX/XX/XXXX and did not receive it. I was told by XXXX XXXX  XXXX the merchandise I ordered was no long in stock to re ship to and that I would recieve full credit for the merchandise. On XX/XX/XXXX I was sent an email stating my account was credited and it may take up to 10 days before I see the credit. In XXXX I start receiving collection calls from XXXX XXXX and I informed them that XXXX XXXX XXXXXXXX credited my account and I should not have a balance they transferred me to XXXX customer service and I was told on 4 different occasions that it was taken care of. After seeing my credit report along with getting a statement in XXXX I realized that this is becoming a problem. I recently called and was on hold for 4 hours and was promised that this was taken care of and I am still getting collection calls from XXXX XXXX. On top of that Experian gave me the results of their investigation and stated that the debt was accurate. Im sick of having to put in these long hours trying to resolve this matter and I keep showing them the email that was sent to me back on XX/XX/XXXX STATING MY ACCOUNT WAS CREDITED. Attached is a screenshot of a call that I was on hold for 4 hours and told it was going to take care of and a screenshot of the email that was sent to me from XXXX XXXX XXXX Customer Service.
Consumer complaint received 2023-07-12
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2021-02-09
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. (PA)

I submitted a dispute to the credit report agency XXXX XXXX, XXXX and Experian. I requested an extension deferral on my car loan with XXXX in XXXX of XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (PA)

I submitted a dispute to the credit report agency XXXX XXXX, Equifax and XXXX. I requested an extension deferral on my car loan with XXXX in XXXX of XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a dispute to the credit report agency Trans Union, XXXX  and XXXX. I requested an extension deferral on my car loan with XXXX in XXXX  of XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!
Consumer complaint received 2019-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The name of the company is XXXX XXXX ( not sure if that is how it is spelled ), the amount they said was XXXX, when i was going through the list of questions to ask a fraudulent debt collector, Mr. XXXX got upset. I ask the address of the collections agency, he would not give it advising that in this world of XXXX it would not be safe. When i asked for the address of the debtor, he got upset and refused to answer advising since i had already said I was me ( saying my name ) and verified my birth date that was enough and then got upset saying i was being difficult and refusing to help. He hung up, i then called back to talk to him again, to advise him i was asking the questions to make sure he wasn't a fraud. He then got more upset and said he would garnish my wages and have me served with papers at my work or home. i tried to explain why i was asking and he said he was blocking my number.
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hillcrest Davidson & Associates (PA)

This debt is not mines. The debt is a utility company in Texas. I live in XXXX and I have a whole bunch of energy companies that is using my social security number. I believe that all these energy companies are the same people. I am not sure how a company is using my social security number for energy services in Texas. I have contacted a few of the companies and only one would take it off of my credit report. The others are giving me a hard time. They asked me to send them a copy of my ID and social security card which does not sound right to me. I am XXXX years old and I have not traveled to Texas or any where to that matter. I filed a police report and put a freeze on my credit report. I will attach the police report and other information I have to show that these companies are in Texas. I am a victim of identity theft. I will also attach my XXXX bill to show that I live in XXXX and I pay my XXXX bill on time every month.