davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 5th dispute letters to Equifax, since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-11-15
Product: Credit card or prepaid 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)

In XX/XX/2019, I applied and was approved for a Capital One Spark cash back credit card. The card offered 2 % cash back and offered a large welcome bonus after spending {$50000.00} within 6 months of account opening. I earned a total of {$3500.00} in cash rewards. In early XXXX, Capital One closed my account. I called to ask why and was told it was because I had a returned payment. This isn't true, as evidenced by account history. I asked again why my card was shut and was given a generic response regarding a " fraudulent '' transaction. This too is untrue, all charges are valid and I never reported fraud. Capital One refuses to honor my rewards balance of {$3500.00}. I requested it be applied to my card balance on multiple occasions within days of account closure. They have refused. This is simply stealing money from me. Capital One continues to bill me interest on my full balance, which should be reduced by the amount of my rewards balance. Capital One has not provided an honest reason my account was closed and has seized the rewards I earned legitimately, moreover they have lied regarding the reasons for the closure. This is unconscionable conduct. I understand they have the right not to do business with me, but that shouldn't give the bank the right to steal what I have earned.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX accordance with the fair credit reporting act XXXX  account # XXXX and XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-01
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. (GA)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Consumer complaint received 2022-04-30
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: TD BANK US HOLDING COMPANY (GA)

I've sent emails and letters to get my credit report updated corrected, no changes but : In accordance with the fair credit reporting act XXXX  XXXX XXXX and TD Bank USA 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 furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Upon review of my credit report, on XX/XX/XXXX I sent an updated credit file request to Equifax via United States Post Office Certified Mail XXXX XXXX XXXX XXXX XXXX. My request was noticeably clear noting that Equifax was reporting inaccurate information on my credit profile and I requested inaccurate addresses and phone number to be removed. I also requested an updated credit report to be sent to me. 

Instead, Equifax failed to remove an old address from XXXX, and continues to report this inaccurate information on my credit file and did not send an updated credit report. Equifax deleted items off of credit file without stating what was actually deleted.
Consumer complaint received 2022-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

The company charges a fee for one-time payments. I prefer one-time payments as I do not like to save my financial information with companies, but in this case I'm unable to do that without incurring a fee. I think this is an unfair practice.
Consumer complaint received 2019-10-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have the following disputes ( complaints ) : 1. After calling all of the Experian 's phone numbers listed on Experian 's website or other sources, I never could speak with a real person. I got the same computer generated menu from each phone number that did not address my problem and would not allow me access to a real person. I need a phone number where I can speak with a real person that is knowledgeable about my account and their business. 

2. I want a knowledgeable person at Experian to explain to me specifically why my credit score changed XX/XX/XXXX and went down another 5 points XX/XX/XXXX. I did nothing between those dates to affect my credit score. 

I do not want to be told of " potential '' negative affects that are several years old. I want real time specifics. 

I do not want to be told I should review my credit report and figure out myself why my score would dive 5 points. That's because there is no reason. 

If Experian uses an algorithm that knee jerks every time a report is submitted by a company about my credit, then tell me so. Tell me a human has nothing to do with my score calculation and a company can report anything they want to influence the algorithm. 

How many times over a 4 year period does a 4 year old late payment solely or contributes to moving my credit score down. Once for x negative points and then never again? Or does the same late payment on my credit report continue to lower my score a number of times over several years
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (MS)

My loan was sold to SST due to the company by the name of XXXX XXXX XXXX no longer in business. During this time due to the transition of my loan it got behind not knowing where the loan was being serviced. I finally got a letter from SST and contacted them they advised me to pay {$25.00} in an extension and my loan would be current. Well the following month this was not the case. I get a statement showing that I was still behind and the money took was not for the loan it was just for the application for applying for an extension that was never approved but I never got a call nor a letter stating either one so therefore I was never aware of where this loan status as far as I was concerned when I paid the agent he said I was current cause I had paid the money required to extend my loan. I called SST and they tell me that my loan extension was declined the day before I applied for the extension this did not make any sense then they put me on hold again and said well we tried to call you but we never got you well I have voice mail so that is not the case. Then after that she put me on hold again and made up another excuse that clearly did not make any sense whatsoever. Now my loan is over 100 past due to to the misinforming of the staff carelessness. I am getting nowhere with this company they took my money on false pretense and acted as if it was not big deal. Then made up an excuse that clearly was out of the ordinary just to get out of the extension now I am out of {$25.00} paid which by the way was denied the day before I applied for the extension which makes absolutely no sense whatsoever.
Consumer complaint received 2023-04-04
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. (AL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2022-04-30
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. (TX)

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.

XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC. (FL)

In XXXX I was closing on our home through Homebridge financial. There was an issue I couldnt get resolved through their proper channels so I submitted a complaint. Complaint number XXXX was closed on XX/XX/XXXX by Homebridge with the response that they would give {$1000.00} in monetary relief. As of XX/XX/XXXX I have yet to receive the check. After many phone calls to Homebridge they have stated that they are not aware of any money they owe and are not aware of the complaint made.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XX/XX/2020, my husband reserved rooms for a reunion in Washington state to be held in XXXX. The total amount was {$420.00}. When Covid hit in XX/XX/2020, the reunion was cancelled. He immediately contacted the vendor, who had already charged our card. We could tell from the way he talked that he probably would not refund the money and we were right. After several phone calls and emails we contacted the credit card company. We then sent in all the information they asked for. On XX/XX/2020, we received a letter from the credit card company stating that credits had been placed on our account including any interest charges. However, the charges were not removed from out bill and there is interest charged every month. We have not paid any of this. I have written two letters to the billing department and made several phone calls. Last week we were on the phone with them for over 2 hours. Nothing was solved. We are completely fed up. Please help!
Consumer complaint received 2024-02-05
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-02-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

THIS IS NOT A DUPLICATE!!! 

XXXX XXXXXXXX claim this item Accurate & Consistent but its 2 different incorrect spelling of my name in the original contract which are highlighted in the attachments. which is a MAJOR Violations UNDER THE FCRA & FDCPA
Consumer complaint received 2020-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (DC)

The Healthcare Revenue Recovery Group ( HRRG, aka XXXX XXXX ) has been billing me for a payment that is not my responsibility since XX/XX/XXXX. I suffered a medical emergency in Michigan and was taken to the Emergency Department at XXXX Hospital in XXXX, MI on XX/XX/XXXX. At this time, I was fully covered for healthcare under XXXX serving as my healthcare provider. I learned that XXXX had been repeatedly denying my claim for {$1100.00} and HRRG has since been harrassing me with phone calls ( which I continued to receive while I was out of the country for a XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX ). I repeatedly paid HRRG/ XXXX XXXX several payments of {$96.00} per month between XX/XX/XXXX-XX/XX/XXXX and informed them that I had an insurance plan with XXXX . They confirmed this information, billed XXXX and received payment from XXXX yet are denying that they did so and are continuing to bill me in the amount of {$850.00}.
Consumer complaint received 2024-02-05
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C. 1681 section 604 A I t also states a consumer reporting agency can not furnish an account without my written instructions..
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX I submitted a complaint about Portfolio Recovery Associates. In the complaint I stated how Portfolio Recovery Associates failed to provide the validation I asked for numerous times. And again, on XX/XX/XXXX I received XXXX letters that were identical. In the letter they state " We have completed our investigation of your dispute concerning this account, XXXX, XXXX has obtained and reviewed the attached documents related to this account, which established its validity. 
I disagree for the simple fact that Validation of the debt can either be a signed judgment order or an accounting which is signed and dated by the person responsible for maintaining the account general ledger. 
See 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As I stated in previous complaint, a copy of consumer credit statement is NOT sufficient evidence to validate the debt, yet Portfolio Recovery Associates ignores this and continues to violate my consumer rights.
Consumer complaint received 2021-06-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I have disputed this issue on several occasions now and it is impossible to get fixed. 

Summary of Experian 's efforts below. 

XXXX, XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

The problem is Experian is not doing their due diligence. XXXX should have never been reported to by XXXX, therefore XXXX is not relevant nor should have any input. If you want to get to the bottom of the issue, Experian needs to contact the company that reported to XXXX erroneously. XXXX originally tried to collecting a debt that did not exist and then reported to XXXX. When I contacted XXXX they admitted it was not accurate and to cease collections and fix issue. XXXX is a completely bogus collection, because it only exist because of a XXXX error and not anything to do with me.
Consumer complaint received 2021-06-09
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. (GA)

XX/XX/XXXX sold this debt to XXXX XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lakeside Recovery Solutions (FL)

I got a call from Lakeside Recovery Solutions on XX/XX/2021, They stated I owed a debt that I had no recollection of I asked the guy there to send me proof of debt and he said they cant send it anymore because they have sent it as many times as he can. I have never received anything from them and he began to tell me I am being a narcissist and that since I am a business owner I should have no problem paying the debt. He began to say that he didn't care if I paid or not because the Lawyers were going to sue me and take even more money from me. He then said he is there to answer questions but when I began asking questions he started saying that I am just trying to get out of paying and one of the questions I asked he stated he answered the question when he first answered the phone and was extremely rude about it. I told the guy on the phone that they had rules as debt collectors that they needed to follow and he told me that he has been doing this longer then I have been alive and that I dont know what I am talking about. He also told me to go detail cars to go make more money. I believe this company is a scam, if they were willing to help people they wouldn't treat people the way the do. I would like a copy of the call transcripts from every conversation I had with them yesterday. First call was at XXXX second call at XXXX third call at XXXX and 4th call at XXXX. All calls took place on XX/XX/2021.
Consumer complaint received 2021-06-09
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. (GA)

XXXX XXXX XXXX XXXXs sold this debt to XXXX XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XXXX
Consumer complaint received 2021-06-09
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. (GA)

XXXX XXXX XXXX XXXX sold this debt to XXXX XXXX XXXX XXXX XXXX and one XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XXXX
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

I checked my credit report and 3 accounts are there from XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX I've asked for VALIDATION of these accounts and only have received a bill stating that they are due
Consumer complaint received 2023-04-04
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.