davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
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. (MA)

Experian still has not resolved the previous disputes nor provided required results of investigation and has been in multiple violations of the FCRA as per attached. Experian has not paid violations invoice as attached.
Consumer complaint received 2022-02-22
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. (FL)

My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY (AZ)

Upon calling the phone number on the letter from American Express I was routed to a collections department in XXXX, at which time I requested to speak to someone in America to handle my American Express collection. I was told by the operator that no one in America was able to accept my call at this time ( XXXX on XX/XX/2020 ) and that they would update my account to reflect this request. It is now XX/XX/2020 and I have not only never received communication from the company, and I have been notified that the debt was sold to another creditor. 

These debt collectors were calling my phone non-stop. American Express was calling my phone within seconds of another call in which I have ample evidence indicating this. Not only are these collectors using spoofed Michigan phone numbers, calling my phone in a relentless manner, but they are also calling my phone at all times of day including collection calls at XXXX Arizona time. Although the debt collectors may not know my exact location, they know based on my address on file, the time zone of these calls is not only inappropriate, it is illegal. In Arizona specifically, Arizona law prohibits debt collectors from engaging in a range of deceptive and intrusive tactics when collecting money on behalf of a creditor.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (IN)

After suffering job loss and illness during COVID-19 and being late on an account, I was offered by the creditor directly on XX/XX/XXXX to " get up to date '' for the amount of {$100.00}. For this payment, I was promised to be moved back to " paid as agreed '' and the creditor would update my credit report so I would receive no more late marks. Additionally, I would receive no more late fees applied to the account and be given an amount to fully pay off the account once the payment processed. When this offer was made, it was made by the creditor directly, not a third-party. 

I asked if I could just pay the account in full but was told that it was better to pay the minimal amount, have the late fees adjusted and then be supplied an updated pay-off amount either via mail or phone-call, most likely phone call within a week of the payment processing. I processed the payment immediately on XX/XX/XXXX via phone during that conversation. 

Through XXXX and into XXXX, I was not contacted, I continued to accrue late fees and was not marked " paying as agreed '' on my credit report. 

On XX/XX/XXXX I finally made contact with a customer service representative who said that the notes on my account were a mess and the situation was entirely mishandled but promised to make it right. I submitted a payment to him that day of {$350.00} to get everything up to date. However, late notices continued to be reported to the credit bureaus and the previous ones were never corrected. 

I think this situation was mostly about an agent getting a quick payment to make her draw by offering empty promises. 

The card is now paid off and closed and I have requested a full review of the account and corrections to my credit report several times, for which I have received no response in return except for a generic denial with no consideration of context. 

Upon my last request, the creditor did finally update my credit report simply with the notation : " customer disputed, disagrees ''. 

I'm attaching all correspondence to this complaint.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There is incorrect information on my report such as : My name, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-28
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. (GA)

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information that I do not want on my credit report.According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was notified by XXXX XXXX that 3 Hard inquiries were made under my name, none of which I authorized. One of the inquiries was made by Capital One Bank on XX/XX/2022. The 2nd inquiry was made by XXXX XXXX XXXX on XX/XX/2022, and the 3rd inquiry was made by XXXX XXXX on XX/XX/2022. I've called all 3 banking institutions and they confirmed that they can not see account inquiries based on my current information. 

I can't understand then who made those 3 inquiries and why it's reflected on my account.
Consumer complaint received 2022-05-24
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: Ingo Money, Inc. (KY)

In accordance with the Fair Credit Reporting act XXXX Account, 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 2021-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NC)

On or about XX/XX/XXXX received letter from Southwest Credit stating that my account had been placed with them for collection from XXXX for the amount of {$720.00}, but would settle for 65 % of that amount. Also, it had the 30-day notice on this letter for proof of debt. On XX/XX/XXXX I sent out a letter to Southwest Credit requesting validation of debt. 

On or about XX/XX/XXXX received reply to letter requesting validation of debt. All they had sent be were copies of bills from XXXX from XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX I sent another letter to Southwest Credit stating that the information they had sent was not viable evidence and requested because it did not have my signature. I also requested information on each person that had personally verified this alleged account, so I could inquire how they were able to verify without proving proof bearing my signature. I also stated that according to FCT opinion letter from Attorney XXXX XXXX XXXX stating that a printout of a bill or itemized document does not constitute verification. 

On or about XXXX XX/XX/XXXX received the reply from Southwest Credit where they sent the same copies of bills from XXXX, XXXX, and XX/XX/XXXX. On XX/XX/XXXX I sent out a final goodwill request for validation of this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

On XX/XX/XXXX received a response from Southwest Credit stating that that they were unable to begin an investigation because they feel that my dispute was deemed to be frivolous or unsubstantiated because : 1. The dispute is substantially the same as a dispute previously received 2. The dispute was reasonably determined to have been prepared by a credit repair organization.
Consumer complaint received 2021-02-09
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. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. This is also my second attempt to have these accounts removed. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX # XXXX, XXXX. XXXX, XXXX # XXXX
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$610.00}
Consumer complaint received 2021-10-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

The account below : XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$100.00} This account has was disputed on XX/XX/XXXX. Today is XX/XX/XXXX. The investigation has took longer than 30 days. Acccording to FCRA investigation taking longer than 30 days means CRA has has trouble verifying the information. This acocunt needs to be removed ASAP. 

You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) You must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e )
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NJ)

on XX/XX/XXXX I pay for the services of Lexington Law " Credit Repair '' in a effort to fix my life by the amount of {$120.00} - {$140.00} in a monthly basics and keep paying my current and last payments till XXXX, XXXX. 
But to my shame, I was mislead by what I know now is a Scam. 

# # # Crimes 1st Action I demanded the letters that was sent in my name to be sent to me via email, but instead they refused. 
Which is a violation of my rights. 

Why it's illegal The file that the attorney has created and maintained on my case is actually my property. 
Therefore it's my right to obtain those letters regardless if they want to or not. 

2rd False Advertising I haven't seen any documents and letters Indicating that thay have done anything as they Advertise " Credit Repair '' 3rd Breach- the attorney breached their duty towards you by being negligent, made a mistake or did not do what they were contracted to do # # # Conclusion I paid for 9 months for " Credit Repair ''. 
but with the denial of obtaining copies of letters sent in my name, from Lexington Law, and no letters were sent beforehand and afterward that directly tied to any positive action on my credit report. Indicating they haven't send any to begin with the whole time. 
and done nothing. 

It's high amount of evidence that this is a scam.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Systems International, Inc. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-07-03
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. (IL)

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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

Due to Covid I requested and was granted an extension on payments however they would only grant or approve 6 months. Unfortunately I was without income for 14mos. However, when I requested more time PER THE CARES ACT GUIDELINES, US Bank denied the request. Instead they reported me for 4 late payments. I WAS paying but due to being without income they were not on time. I disputed this within US Bank and they denied the internal dispute. I believe US Bank completely ignored the Federal Guidelines set forth in the Cares Act guidelines.
Consumer complaint received 2022-11-20
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. (LA)

I sent Experian documents proving that the bankruptcy was reported by XXXX XXXX that there is no public record shouldn't appears on my credit report it was reported as someone gain access to my information and used it, so they could not verified it with no proof.
Consumer complaint received 2020-08-26
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: Experian Information Solutions Inc. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly 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 litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

The problem was managing a security freeze with Equifax on XX/XX/2021 at XXXX PDT. I have been able to do this many times in the past. I first tried it online at myEquifax.com. I received an error stating that their system was unable to retrieve the status of my freeze. The system provided a phone number ( XXXX ) to call for assistance. I was connected to agent XXXX ID XXXX. I was told that their system was down and I should try again in a few hours. She was unable to provide any insight into when the system would be available.
Consumer complaint received 2024-08-19
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: EQUIFAX, INC. (NY)

Between XX/XX/XXXX and XX/XX/XXXX, several accounts were opened under my name without my knowledge or consent. These fraudulent accounts were the result of actions taken by individuals who exploited me during a period when I was a XXXX XXXX XXXX XXXX. Specifically, the accounts with XXXX XXXX XXXX ( opened XX/XX/XXXX, with a balance of {$840.00} ) and XXXX XXXX XXXX ( opened XX/XX/XXXX, with a balance of {$3900.00} ) are not legitimate and do not reflect my true financial history. 

Upon discovering these fraudulent accounts, I took immediate action by filing a police report and gathering the necessary documentation to support my claim of identity theft and victimization. I have contacted both the credit bureaus and the companies involved, requesting that these accounts be removed from my credit report as they were established under fraudulent circumstances. 

Despite these efforts, these accounts remain on my credit report, negatively impacting my credit score and financial standing. I am seeking the removal of these accounts from my credit report and any associated derogatory information as per the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Protection Act ( TVPA ). 

I appreciate your prompt attention to this matter and look forward to a resolution that corrects these inaccuracies on my credit report.
Consumer complaint received 2023-04-19
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. (FL)

I am interested in processing disputes on my credit report with Equifax to clear all of the inaccurate information that is hindering my file. checking all the listed items everything is invalid an needs to be removed an reported. please delete all listed information to clear my credit report asap.
Consumer complaint received 2022-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a documented victim of identity theft with police reports, FTC report, and other legal documents. Portfolio Recovery Associates is illegally trying to collect on XXXX fraudulent accounts opened in my name, by the original creditor XXXX XXXX, which violates the FCRA. The first account has a balance of {$1800.00} ( account ending in XXXX ) and the second has a balance of {$680.00} ( account ending in XXXX ). I have contacted both Portfolio Recovery Associates and the original creditor XXXX XXXX by mail and by phone numerous times, and have included my XXXX XXXX police report from XX/XX/2022 as well as other supporting identity theft legal documents. These fraudulent identity theft accounts need to be removed from my credit reports immediately or further legal action will be taken as I have documented each point of contact with the creditor for supporting evidence. Please see my legal documents and police report attached.
Consumer complaint received 2022-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capital Accounts, LLC (GA)

Capital Accounts was not able to validate provide me with competent evidence that I'm obligated to pay them or owe them. 

Capital Account violated my HIPPA rights by providing me with my medical services/ procedures performed including doctors ' name dates medication going back to 2004 without my written permission. 

wasn't able to provide a copy of my signature from the provide showing my request to release information to them. 

Capital Account didn't respond within the lowed date after. I request them to validate the debt. 

Failure to validate the debt by date allowed by law