davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (GA)

I was notified in writing that the company XXXX sold my information to another company known as Velocity Investments LLC. Apparently this took place XX/XX/2021 without my written consent. This company claims I now owe them XXXX. I have never gone into written agreement with them, nor was I privvy on how they acquired my PERSONAL INFORMATION. I want them to cease and desist all debt collection actions against me and withdraw the transaction information from all my consumer reports. Furthermore, I would like original documentation from Velocity Investments LLC and XXXX  with proof of them getting permission from me to exchange my information for this alleged debt. This has caused great financial harm to me and my family. This is in direct violation of the rights afforded to me by the Gramm-Leach-Bliley Act 15 USC 6821 ( a ) 1,2, & 3.
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc. (CA)

On  XXXX   XXXX ,   XXXX  , SoFi sent an email saying my interest rate had been miscalculated for a short period ( as part of  the Auto Pay benefit ), and that SoFi would  credit my account during the first week of  XXXX .     By  XXXX   XXXX , nothing had shown up. I called SoFi and was told it would be done two weeks later, by  XXXX   XXXX .     By  XXXX   XXXX , nothing had shown up. I called  SoFi for the second time, and was told it would be done one  week later, by  XXXX   XXXX .     By  XXXX   XXXX , nothing had shown up. I called  Sofi  for the third time, and was told that it would be taken care of during the month of  XXXX .     Every time I call, I 'm given a new date, but my account is never credited.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

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 XXXX 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 2024-10-03
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. (CA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last four digits ) : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Date : [ Insert Date ] Subject : Dispute of Fraudulent Account with XXXX XXXX Bank Dear CFPB, I am writing to formally dispute an account that has been inaccurately reported as belonging to me with XXXXXXXX XXXX XXXX  The details of the account are as follows : Account Details : Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Current Balance : {$1400.00} Payment Status : Late 120 Days This account is fraudulent and is not mine. I have not authorized any transactions or applications with XXXX XXXX XXXX As of XX/XX/XXXX, I have contacted all three credit bureaus regarding this matter but have yet to receive any resolution. 

Relevant Laws Supporting My Request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to dispute any information in their credit report that they believe is inaccurate or incomplete. The credit reporting agencies must investigate and respond within a reasonable time frame. 
Fair Debt Collection Practices Act ( FDCPA ) : This act protects consumers from deceptive practices by debt collectors and ensures that they do not report information related to debts that do not belong to the consumer.

Identity Theft and Assumption Deterrence Act ( ITADA ) : This law addresses identity theft and provides consumers with tools to combat fraudulent accounts and activities that may appear on their credit reports.

I am requesting the immediate removal of this fraudulent account from my credit reports and demand a thorough investigation into this matter. Please notify me of the actions being taken to resolve my dispute. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
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. (AL)

I am a victim of identity theft, which has resulted in multiple fraudulent entries being added to my credit report without my knowledge or consent. XXXX Unauthorized accounts and XXXX inquiries have been placed on my report, and I did not authorize any of these actions. 

- Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ) and now request the immediate removal of these fraudulent items. This action is necessary to restore the accuracy of my credit report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am filing this formal complaint to report a SERIOUS violation of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian. On XX/XX/year>, I mailed Experian a certified dispute letter regarding multiple derogatory accounts reported by XXXX. In this letter, I specifically requested that Experian provide the method of verification for these accounts. I also asked that if they could not provide this information, they must remove the derogatory entries as required by the FCRA. 

Despite my clear request, on XX/XX/year>, I received an email from Experian informing me that the accounts had been verified by the company who reported the information XXXX XXXX  ) and that these accounts would remain on my credit report. Experian failed to provide the method of verification, as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). They did not disclose the procedures used to determine the accuracy of the information or identify who exactly provided this verification, which is a direct violation of the FCRA. 

Per the FCRA, Experian is obligated to provide this information upon request. Specifically, Section 611 mandates that if a consumer disputes the accuracy of information and requests the method of verification, the credit reporting agency must furnish the procedure used to verify the information, including the name, address, and contact information of the furnisher. Experian has blatantly ignored this legal requirement. 

Given Experians non-compliance and refusal to provide the requested documentation, I am formally requesting that the derogatory information related to XXXX be immediately deleted from my credit report. XXXX refusal to provide the necessary information regarding the verification process means that they have failed to meet their obligations under the law. 

I request that the CFPB take swift action to investigate this matter, hold Experian accountable, and ensure that these accounts are deleted from my credit report as they have not been properly verified. 

Please update me on the steps you will take to resolve this dispute promptly.
Consumer complaint received 2023-07-10
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 (IN)

I have been scammed by Capital One on my XXXX credit card. Specifically, I availed myself of Capital One 's XXXX offer described at this link XXXX XXXX XXXX XXXX For a XXXX card, the terms state that between XX/XX/XXXX and XX/XX/XXXX, statement credits will be applied for up to six consecutive months in which XXXX XXXX membership has been charged to the card. 

I used my XXXX card to cover my XXXX membership from XX/XX/XXXX to XX/XX/XXXX ( six months ). I was charged {$9.00} six times, starting XX/XX/XXXX, and ending XX/XX/XXXX. However, I have only received five statement credits ( XXXX through XX/XX/XXXX ). I am therefore missing a statement credit. Even after calling Capital One, the agent acknowledges that I have been stiffed by the system, but the bank has continued to not correctly apply the final statement credit. 

I require immediate resolution of this issue, by applying an additional statement credit to my card in the amount of {$9.00}.
Consumer complaint received 2024-10-03
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX and this is not a third party filing this complaint. I have ask for proof of these late payments that the credit reporting companies are reporting. And they did not provide proof. Its been over XXXX XXXX, I also ask for validation of those XXXX charged off accounts. Same thing no proof. At this time I demand all accounts be removed immediately
Consumer complaint received 2024-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got XXXX XXXX  debt that should up on my credit report that is not mines and I'm a victim of identity theft XXXX  amount owe XXXX account # XXXX and XXXX  XXXX account # XXXX both are not my accounts
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am disputing the following inaccurate accounts on my credit report, which have been wrongfully verified by the credit bureau without providing proof of verification : XXXX XXXXXXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) These accounts were either paid off, settled, or inaccurately reported. Despite multiple disputes, the credit bureau and creditors continue to report incorrect and misleading information. I am requesting that these accounts be deleted immediately, as per the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies must provide accurate and verified information. 

Additionally, the credit bureaus have failed to provide proper documentation supporting their claim of verification, and this is a clear violation of my consumer rights under the FCRA. '' I have completed payments or settlements for both of the XXXX XXXXXXXX accounts, XXXX, and for XXXX, I have a 1099-C debt cancellation.
Consumer complaint received 2023-07-09
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I recently opened my credit card XXXX XXXX XXXX XXXX through citi bank. Even after calling multiple times, answering security code, sms verifications, they wouldnt release a security hold on my account. And now I have to wait for them to send a letter through snail mail to verify my identity. Waiting weeks to use my card is affecting my ability to qualify for the bonus, since thats the reason I opened the account and Ive been with Citi bank for a year now. 

I will never open another account with them again.
Consumer complaint received 2023-07-10
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)

XXXX XXXX XXXX XXXX Ct, XXXX, Fl XXXX XXXX You are in Direct Violations of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has violated several of my rights. 

15 U.S.C 1681 Section 602 A Clearly stated that I have a 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 any written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2024-10-03
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. (NV)

RE : Unauthorized Credit Inquiry XXXX XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX  Automotive ( XXXX ) XXXX XXXX XXXX I have recently obtained a copy of my credit report Experian, XXXX, XXXX. It shows credit inquiry by your these company 's that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 
I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial compalint. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days.The initial thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the inaccurate item from my original request be updated. 

Bankruptcy XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 
This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

ive been living in XXXX for a long time and iam a victim of identity theft i found a lot of accounts that are fraudulent and not mine and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, please remove them from my report they are farming my report and i contacted all of them and there was no response and they didn't care XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this on has 4 : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.