davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (VA)

I have sent a dispute letter on XX/XX/2023 to Experian and it has been more than 30 days and I have not received any response from Experian via mail. This is an FCRA violation. I even sent the letter with an Identification affidavit for my identity verification with no response. It has been more than 30 days and I have yet to receive a response from Experian. This is an FCRA violation, and the account must be removed.
Consumer complaint received 2023-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc. (UT)

Mountain Land collections is reporting a debt on my file I do not recognize. I sent a letter asking for validation and have received 0 correspondence. I have never received services from the original creditor they are reporting for. This is not mine and must be removed.
Consumer complaint received 2021-03-27
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. (PA)

XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real XXXX XXXX XXXX To whom it may concern, I XXXX XXXX writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Experian today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste. 

The unknown and unauthorized inquiries are as follows : XXXX XXXX XXXX date - XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX NXXXX XXXX XXXX Inquiry date XX/XX/XXXX SXXXX XXXX  XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX US XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX The unknown and unauthorized addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX and XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX. 
The unknown and unauthorized name is as follows : XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I am writing to bring to your attention the apparent violations of various provisions of the United States Code related to debt collection practices. Specifically, it has come to my attention that your company, LVNV Funding LLC, may have violated the following statutes:1. 15 US Code 1692B : This section outlines the requirements for debt collectors to provide written validation of debts upon request by the consumer.2. According to 15 USC 1692g ( a ), within five days of the initial communication with a consumer regarding the collection of a debt, the debt collector must send a written notice to the consumer. This notice should include information such as the amount of the debt, the name of the creditor, and the consumer 's rights to dispute the debt or request verification.3. 15 USC 60 92D : This section addresses the fair debt collection practices and prohibits deceptive, unfair, or abusive practices in debt collection.4. Under 15 USC 1692d, debt collectors are prohibited from engaging in any conduct that is intended to harass, oppress, or abuse any person in connection with the collection of a debt. This includes practices such as making excessive or repeated phone calls, using obscene or profane language, making threats of violence or harm, publishing lists of debtors, or engaging in any other conduct that is intended to harass or abuse the debtor. 
5. 15 USC 6 9 2K : This statute establishes the guidelines for the calculation and imposition of statutory damages for violations of the Fair Debt Collection Practices Act ( FDCPA ) .6. 15 US Code 69 2D : This section outlines the penalties and remedies available to consumers for violations of the FDCPA.It is important to note that I am not a legal professional, but I believe that the aforementioned codes may have been violated based on my understanding of the law.
Consumer complaint received 2023-02-09
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. (TX)

FRCA Violation: auto loan not mine
XXXX XXXX XXXX  
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX

FCRA VIOLATION: ADDRESS NOT MINE
XXXX XXXX XXXX XXXX, TX
XXXX

XXXX XXXX XXXX XXXX XXXX XXXX TX
XXXX  
XXXX XXXX XXXX XXXX XXXX TX XXXX

FCRA Violation:  student loan never late XXXX XXXX
XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

HIPPA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (TX)

In accordance with the fair reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 ufc 168. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have violated my rights. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

In XX/XX/2022 last year my student loans were paid off in full as I had them through XXXX XXXX XXXX At that time, I emailed all the credit bureaus and ask them to remove it from my file.. my XXXX were removed and then two weeks ago the first week of XXXX I received an alert that something changed in multiple credit reports. Aidadvantage put on all three credit report that I owe them XXXX However, this is the amount that was written off and I am confused as to why they put this back on my credit report and when I have called them multiple times I have a XXXX balance I do not owe them anything and XXXX customer service representatives have told me that my balance is XXXX. I have faxed them a letter asking them to remove this from all my credit reports and I have called multiple times. I cant log into my account because I have a XXXX balance so Im having to deal with talking to someone and most of them dont even help me at all Because they have put this back on my credit report. It is now hindering me from getting a loan because I stated that all my student loans were paid off and now they put them back on and I dont owe them anything. Customer service is useless. No one returns any call or they say they will email me and they do not and I do not have access to the portal because I have a XXXX balance. I am going round and round constantly with these people asking them to remove it from my credit report because my debt was paid in full as I did public service loan forgiveness and I met my 120 payments with that loan and somehow this company decided to slap it on my credit report that I owe them money and then when I call them, they say you have a XXXX balance with us. I have asked him multiple times to remove it because I do not owe them anything they say I dont owe them anything but Im not getting anywhere and Im asking for some help. XXXX
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (CA)

Hello, There is an apartment company claiming that I owe them {$590.00}. I have never stayed in this apartment complex nor would I ever stay in this apartment complex. I went to the XXXX XXXX XXXX XXXX to prove to my current apartment complex that I owe no not nor I have a stayed there. My new apartment complex confirmed with them that I have never signed a lease or anything otherwise I would not have been able to move into my new place. Every time I try to dispute it they say its real. Which is obviously incorrect.
Consumer complaint received 2021-07-08
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 information to the CFPB, XXXX  and to the companies reporting negatively and inaccurate information on my credit file and I recently received information back from XXXX  saying that they verified the account and I would like to know how they did when the information you have on there is not only inaccurate, but the information does not line up. you're reporting different information and need to remove it before I submit this information to small claims court. 
Referencing the account from : I. XXXX XXXX XXXX I have submitted the following documents, none have been addressed and verified by XXXX  XXXX 
- QWR ( Qualified Written Request ), - ( 1 ) NOTICE VERIFIED MORTGAGE HOLDER BILLING ERROR DISPUTE FORM - ( 1a ) Affidavit - Notice of Adequate Assurance of Due Performance - ( 1b ) NOTICE and -DEMAND to Cease and Desist Collection Activities Prior to Validation of Purported Debt - ( 2a ) Affidavit of Truth - ( 2b ) AFFIDAVIT ( Bank ) - ( 3 ) Affidavit - NOTICE OF ALLEGED LOAN DISPUTE - ( 4 ) Affidavit - NOTICE OF HOLDER IN DUE COURSE STATUS - ( 5a-1 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 5b-2 ) Affidavit - NOTICE FOR REQUEST OF CONFIRMATION ( 2 ) OF TERMS AND CONDITIONS OF AGREEMENT - ( 6 ) Affidavit - NOTICE OF BREACH OF AGREEMENT - ( 7 ) Affidavit - NOTICE and DEMAND FOR FULL DISCLOSURE I also showed the discrepancies in reported information.

They need to remove it. 
II. XXXX XXXX is also reporting different information and needs to be removed from my credit file. 
I showed the discrepancies in reported information. 
They need to remove it We're having the same issue with XXXX  and Transunion LLC.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-08-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

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

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

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

BK OF AMER XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (GA)

I have sent several complaints to the credit bureaus on XXXX, XXXX, XXXX XXXX with Equifax and XXXX There is inaccurate information listed on my account with XXXX XXXX XXXX. The company is stating that I XXXX + dollars to them. I have never been extended credit from XXXX. However, In 2015 I did have a car repossessed by XXXXXXXX XXXX. The care was repossessed and sold at an auction for XXXX. 
Not only is the amount owed to XXXX not matching the amount that the car was repossessed for the debt is showing as if it is a new debt on my credit report with different amounts showing. I have call the company, I have called the credit bureaus and they have not been able to resolve this issue. They keep saying it is investigated. This is not the case. This debt is reporting like a new debt and XXXX refuses to show me proof of what I owe. Please help!
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX my account with Capital One had gotten closed due to 3 chargebacks / returns made from my bank due to the fact that I had mistakenly put in the wrong account and / or routing number. Due to this issue, I contacted customer support for only to have them simply tell me that theirs nothing they can do, dispose of my card and file for a new card but Im unable to qualify for a new card with Capital One or any other credit card provider. Im in the process of getting a house and Im worried that this might delay my chances/ opportunity to get it due to a minor mistake that I could have simply fixed if I was more aware of the situation with my account/ routing number being an issue. I hope to dispute this and be able to get pre approved / qualified for a credit card since I was able to pay off my credit before the due date and Im currently self employed so I am responsible enough to handle and build up on my credit.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

I had three fraudulent transactions from the same Merchant that occurred at about XXXX XXXX. I have made multiple attempts with Chime Banks disputes Department to fix the fraud and refund my money and no matter what I send them, even detailed proof from the merchant regarding the fraud and confirming it, they will not refund my money. I have asked multiple times to please speak to someone in the Chime Bank 's investigative department and they refuse to speak with me. I just keep sending emails that go unanswered
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (AL)

On XX/XX/2021 I discovered my U.S. Bank Credit Card Number and password was published on the internet on one of the XXXX XXXX  internet pages. I tried calling XXXX XXXX but because I did not have a pin I could not get assistance. On XX/XX/2021, I called U.S. Bank and discussed the issue with the representative and was told that I should close out this account totally because even if they sent me a new credit card with a new number, the charges would simply roll over to the new account and I could still be subject Identity Theft. I told the representative to close the account immediately. The representative told me I had rewards points that I would not be able to use once the account was closed. I told her I had a serious XXXX problem and the amount of the rewards points conversion was not worth the stress Identify Theft and a possibly XXXX XXXX would cause. She asked if she could just convert one more and close the account the next day. I reluctantly agreed. I discovered that a manual charge was entered on XX/XX/2021 for a XXXX  service that I did not have. I was going to switch to XXXX  because of the issue with XXXX XXXX. I called XXXX  on XX/XX/2021 but cancelled on XXXX XXXX when the service could not be connected. I was told by the XXXX  representative that the order had been cancelled and I could deliver the equipment back on XX/XX/2021 which I did. XXXX XXXX came out the next day and confirmed the XXXX  service had never been connected and their service was still intact. I am still with XXXX XXXX because it is the lesser of the two evils. I am attaching a letter I sent to the CEO and President of U.S. Bank. Refusing to close this account and subjecting me to Identity Theft is unacceptable. The credit limit on this account is {$9000.00} and I plan to pay the balance of {$810.00} by XXXX XXXX or as soon as I see the account closed because If I close it before then, I would lose visibility on this account.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NJ)

Robinhood in XX/XX/XXXX restricted my account for no reason, they asked for my ID, Bank Statamets, and a selfie, they dont allow me to take my money, I have been trying to request help but the help is very poor, they dont let me call because the only way to talk with them is using the app, they don allow me buy stocks, only sell.

I request help many times, via app, email, requesting phone calls, but they only said wait, wait 2 days, wait 3 days, wait 4 days, can be longer, and now they block any kind of communication