davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: VIRTUOSO SOURCING GROUP, LLC. (MO)

I discharged a debt in chapter XXXX bankruptcy that was owed to XXXX XXXX XXXX College. Despite this fact this debt keeps being sold to new collection agencies and I keep being contacted in an attempt to collect this discharged debt. I have informed XXXX previous collection agencies that this debt was discharged in bankruptcy and included as a listed creditor in my bankruptcy. Instead of this being the end of it the debt just keeps getting sold to a new collection agency and I 'm again contacted.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-19
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. (KS)

Date : XX/XX/year> To : Experian Fraud Dispute Department Subject : Fraudulent Accounts Removal Request Dear Experian Fraud Dispute Department, I, XXXX XXXX, am writing to request the removal of the following fraudulent accounts from my credit report. I have included a new Identity Theft report that contains unauthorized items and creditors. 

FTC Report Number:XXXX Account Details : - Creditor : XXXX XXXX XXXX Account Number : XXXX - Issue Type : Account ownership and fraud issues- Issue Description : This is not my account, and I am a victim of fraud. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : 1. Identity Theft Report Thank you for your assistance. 

Best regards, XXXX XXXX
Consumer complaint received 2024-07-19
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. (CA)

I am writing to express my profound disappointment and frustration with your bureau 's handling of the late payments inaccurately reported on my credit file. Despite multiple dispute letters I have sent, you have persistently verified these erroneous accounts, and they continue to tarnish my credit report. It is utterly unacceptable that, after my repeated communications, your bureau has failed to rectify these inaccuracies. The verification process you claim to have undertaken is evidently flawed, as the information reported does not reflect the true state of my accounts. This raises serious questions about the integrity and reliability of your verification procedures. I have personally contacted the banks involved via phone calls, and they have acknowledged the errors in their reporting. The banks have agreed to update the status of my accounts to accurately reflect that they were never late. Yet, despite this confirmation, your bureau continues to perpetuate these inaccuracies on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/XXXX, an employee at a Capital One branch allowed a withdrawal of {$4000.00} from my checking account. This withdrawal showed on my app as BRANCH WITHDRAWAL {$4000.00}. I called the bank on XX/XX/XXXX when I saw the withdrawal on the app. I confirmed it was not me. They put a hold on the account and said they would launch an investigation. They could not provide any information on the timeline or process. 
I called the CapOne fraud line on XX/XX/XXXX to get an update on the investigation and to inquire on how I can protect the direct deposits that were going into this compromised account. They had no update on the investigation on XX/XX/XXXX. They said the only way to withdraw is to come in for a branch withdrawal which I did later that day. When I went in person to withdraw I was asked by branch for ID. I asked the branch teller if someone could go into a branch and withdraw cash without an ID. The bank employee said no. Odd, since that is what happened on XX/XX/XXXX. They reaffirmed that ID is required for branch withdrawals. 
On XX/XX/XXXX I called the CapOne fraud line again to request an update on the investigation. The did not have one. I spoke to a fraud supervisor XXXX ( XXXX XXXX ) to ask what the policy was for returning funds that a branch employee distributed without my consent and I asked for an estimated timeline for the investigation to be complete. She had answers for neither. She said said if I wanted to complain I could write to the Capital One CEO. 
I was able to get an email to the fraud department from another employee : XXXX. When I sent a request for more information on the investigation I was sent an auto-response that they would get back to me in 60-90 business days. 
I reached out to CFPB for support. I was told that banks must complete investigations within 45 days. This is certainly not what Capital One is telling customers. 
I would appreciate CFPB 's support on this matter. It is unfair that I have to wait through a lengthy process when it is clear the fraud happened within one of their branch by their employees ( either by not following policy of asking for ID or due to some complicity ). And if I must wait for the completion of the investigation- even though I am not at fault- they should complete the investigation in 45 business days, as required by law. They should certainly not be allowed to use 60-90 business days as their Capital One policy and their fraud personnel should have some courtesy and compassion for their customers who have been defrauded by their Capital One employees.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is for XXXX  and Transunion I have filed several times with no resolve.I have a car loan which I was late in XXXX up to XXXX of XXXX it stated on my credit report that this item would be listed in good standings in XXXX of XXXX the only one that did was XXXX. There was also a collection for capital XXXX purchased by a debt collector that I paid it was removed but now transunion says I have another for the same amount but through XXXX  XXXX and not a debt collector I informed them it wasn't mine but again with no resolve. I have paid everything I could that was in collections and it finally brought my score up with XXXX from a XXXX to XXXX but XXXX  and transunion are still sitting at XXXX and XXXX and I paid collections in all XXXX I'm trying to purchase a new home through va because my husband passed XX/XX/XXXX and he was a 100 % due to injuries from XXXX so I am qualified but I have no cooperation from XXXX  and transunion. I would appreciate anything you can do for me. 
Thanks XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX 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 a respose yet I feel ignored of my disputes. The law stated in section 611 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 to be deleted or I will be forced to file for litgiation due to the stressed u have caused me. My information was also impacted by the Equifax data breach and probably reached the wrong hands.
XX/XX/XXXXXXXX
XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-07-19
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. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc. (AR)

I received a phone call from CCS Account # XXXX Pin # XXXX stating they were a law firm attempting to collect a debt for XXXX XXXX from ( XXXX ) XXXX, they then told me I was in violation of the law and could face criminal charges, I hung up the phone thinking another SCAM for money! A week later I received a offer letter to pay a discounted fee by a specific date so I paid it not knowing it was a mixed credit file with a family member with the same name. CCS NEVER disclosed to me any documentation I requested according to section 15 U.S.C. 1681g under the FCRA that states I have a right to demand that they disclose to me all the documents that they have retained in their files that I requested concerning the account they are reporting in my credit report. Section 616 & 617 clearly states that I have a right to seek relief and monetary damages for reporting unverified accounts on my credit report. 15 U.S.C 1681i ( a ) ( 5 ) ( A ) of the FCRA states CCS is required to promptly DELETE all information which can not be verified in which I paid an account that does not belong to me. ( See check and offer letter attached ) indicating PLEASE SEND ME A LETTER PAID IN FULL and CCS reported I owe {$370.00} on all three credit bureaus. 

CCS is a SCAM COMPANY located at XXXX XXXX XXXX XXXX, MA XXXX and no physical address to be served legal court petitions for their SCAMMING. 

Im requesting an address to serve LEGAL DOCUMENTS for Litigation Seeking Relief and Monetary Damages. Section 611 ( a ) 5 ) ( A ) ( I ) of the FCRA clearly states CCS has not verified this account reported to the credit bureaus and have only parroted what the information provider told them under section 1681i. 
I am filing my complaint with the FCRA and Attorney General of Arkansas CCS Violating the LAW!
Consumer complaint received 2024-07-19
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-08-12
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. (MD)

I'm setting up to grant my XXXX  concerning the tested accounts on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have constantly referred to that they be completely investigated. Dismissing my endeavors, I at this point can't get any goal or supportive activity. These stirred up records are genuinely harming my credit report and hindering my capacity to go on with a typical life. The hostile results of these mistakes have caused gigantic difficulties for me, and I'm left with no decision beside to fight for your help with changing what's happening quickly. I generously demand that you lead a wary evaluation concerning the determining of these tested records. It is major that the crucial advances are taken to restore and address my credit report immediately. With your assistance, I need to reestablish the accuracy and uprightness of my credit file so I could recover command over my monetary flourishing. I truly demand that you offer this matter your generally ludicrous idea and make a quick move. Your joint exertion and moving in settling this issue conveniently would be massively huge. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-07-19
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. (TX)

I am appalled by the lack of responsibility on your behalf. When is the XXXX, Experian, and XXXX going to fix all the erroneous information on my personal credit file? For the past months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : 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. If your investigation can not confirm the accuracy of the information I believe to be incorrect, please rectify the issue immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address provided.
Consumer complaint received 2024-07-19
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. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-12
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)

it is illegal to report transaction history. also in wells fargo pivacy agreement they promised not to share my private information with non affiliates. please remove any and all utilization from my credit report because i am now opting out of sharing INDEFINITELY as i have the right to do so. All three credit bureaus are non affiliates and for no reason should they have my utilization information.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 2 ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time Attached is my opt out letter i sent 2 weeks ago.
Consumer complaint received 2024-07-19
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. (AZ)

I appreciate your efforts to correct some of the inaccurate information previously reported on my credit file. However, I am currently unsatisfied that your examination fully complies with the Fair Credit Reporting Act 's guidelines. I believe that further action is required on the remaining accounts to ensure maximum possible accuracy on my credit file. Therefore, I request a reinvestigation of the following accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5000.00} ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}. If your investigation can not confirm the accuracy of the information I believe to be incorrect, please rectify the issue immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address provided.
Consumer complaint received 2024-07-19
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-19
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SETION 602 A. STATES I HAVE THE RIGTH TO PRIVACY 15 U.S.C. 1681 SECTION 2 : IT ALSO STATE A1 CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUN WITHOUT MY WRITTEN INTRUCTIONS
Consumer complaint received 2024-07-19
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a formal complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX XXXX Balance Owed : {$5900.00}
Consumer complaint received 2024-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates (GA)

I got in a wreck a year ago, I got a bill from the XXXX XXXX XXXX in XXXX XXXX For {$530.00} XX/XX/XXXX I paid this bill after constantly going through hoops from the hospital and their billing service. I paid the bill on XX/XX/XXXX for the amount of {$530.00}. 
I thought that would be the end of it, I then got a letter from XXXX XXXX XXXX  saying it has gone to collections and I still owe the full amount. I then called them for the first time on XX/XX/XXXX. And left a message explaining everything and my personal number so they could call me back. I never received a phone call so I called them for the second time on XX/XX/XXXX, explaining again and finally talking to someone she said she'd get in touch with the client ( the hospital ) to see why they sent it to collections. I never got a phone call from them about a follow up so I called again XX/XX/XXXX. They told me the client has no record of payment and I still owe the full amount. I have a statement from my bank saying I paid the full amount to XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-19
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. (NY)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.