davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Firstsource Business Process Services, LLC (FL)

ONE ADVANTAGE LLC ACCOUNT NUMBERs : XXXX XXXX XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ONE ADVANTAGE LLC or any company associate with this account # XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ONE ADVANTAGE LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-08-13
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (SC)

When trying to acquire my free annual credit report, I first went to freecreditscores.com and quickly realized that Experian was going to try to enroll me in a " Trial-membership '' if I asked for my report. I exited and learned I should go to XXXX. I entered the required information and ended up on the Experian site which offered a Credit score for {$1.00} and/or the free report without membership. I did not see anything about this trial membership at this point. There were other offers that were obviously paid offers. I paid the {$1.00} and received the Experian credit score but did not receive any type of receipt for my payment. ( but I did 7-days later for the {$21.00} ) Had I scrolled up the page from where it started, I would have seen the " Important Information '' about the trial membership. Also not included in the " Important Information '', is a statement at the very bottom of the page stating " ** The credit monitoring benefit may only be available for 5 days during your trial period since enrollment can take up to 48 hours. You may cancel your trial membership any time during your first 7 days without charge. '' ( If you call their customer service and hear the sales pitch ) You have to scroll down past all of the graphics and ads to find this. No reason it should not have been included in the " Important Information '' directly and is clearly a deception. In the " Terms an Conditions '', membership is mentioned but no mention of an automatic trial membership and charge. I was on the look out for schemes such as this and was still duped. Experian should be dropped as a credit reporting agency and a part of the federal free annual credit report program. It is only a trap for a company that profits from the sale of credit information to third parties. That 's just my opinion. I hope you can stop this as this has gone on for years with a slap on the wrist.
Consumer complaint received 2017-03-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NY)

I received a collection letter from Convergent Outsourcing Inc . They claimed i owed XXXX XXXX {$430.00}. I called XXXX to verify and they ensured me that my XXXX account was closed and no past due balance on it. I am very worried and scared this will mess up my credit report. I also accidentally gave them the last 4 of my social. This is fraudulent, please stop them from doing this to other people.
Consumer complaint received 2015-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (NY)

I called Diversified Collections XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. On XX/XX/XXXX at XXXX and spoke with XXXX badge number XXXX. I explained to him I do not owe this debt and now they have purchased the debit and it is on my credit report again from the last collections agency that reported I owned this credit and I do not. As the last collection agency XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX respond to my compliant I do not owe this monies and it was removed. Now again here we are I have spoken with XXXX they have no idea why they have this debt it was cleared up in XX/XX/XXXX. Then XXXX gave me a phone number that the account is associated with and I do n't or do not know whose number that is with. I want this removed from my credit reports immediately. There is a law in NY state that credit can not just be placed on someones credit report without first contacting them. I want Diversified to not sell off this account to another company so I do not have to go through this again. XXXX has ackowledge I do n't owe this monies and so did the last collection agency. A letter of apology is in order also. I want a letter stating that this was a mistake on there part so if it comes up again I have proof.
Consumer complaint received 2015-06-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

XXXX partner and affiliate of XXXX XXXX sold a product with a false description. Theyhad claimed that their mining product " Hashlets '' they were selling were obsolete-proof, guaranteed to never break down and always remain profitable. 

XXXX XXXX XXXX XXXX XXXX XXXX is preparing to shut down all operations and run off with customer 's money. I have attached the necessary documents in this file to support my claims against these charges. XXXX XXXX and XXXX has intentionally defrauded customers, lied to customers, and operated illegally. In addition they have also refused access to the products and services customers have purchased and halted operations completely. XXXX XXXX has also attempted to scrub the internet of all incriminating information regarding their fraudulent operations. Even their websites XXXX and XXXX no longer exists. 

Furthermore it is public knowledge that the XXXX Securities and Exchange Commission is investigating XXXX XXXX, XXXX and XXXX XXXX for XXXX XXXX. In addition I have learned that the Federal Bureau of Investigation and the XXXX Department of Justice are also involved. XXXX XXXX has allegedly fled to XXXX in an attempt to escape the XXXX Government and the charges he now faces. 

Over the course of the past 4 months I have attempted XXXX to dispute this transaction with USAA, XXXX times being declined because it was not submitted within their 60 days of the transaction date. I also bank with XXXX XXXX XXXX and they have the same 60 day policy however since the case was about fraud and the fact that the SEC was involved, they initiated the dispute and I was returned my {$26000.00}.
Consumer complaint received 2024-08-13
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. (MA)

" I am writing to delete the following information from my file. The item I deleted listed in the report I am a big team of identity theft, and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete this items as soon as possible "
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2015 I attempted to purchase a 3 in 1 credit bureau report & FICO scores from XXXX for {$39.00}. I tried to authenticate but I got an error message saying I was not able to do so at this time. Error message said my order did not go through, my application for 3-in-1 credit report & FICO scores has not been accepted because there is a problem with the service, and my card has not been debited. Not understanding what the problem could be, I attempted the order process two more times to no availXXXX times receiving the same error message and reassurance that my card has not been debited. Low and behold, my card was debited for each of the three unsuccessful attempts, at {$39.00} a piece, yet I still have no 3-in-1 credit report nor FICO scores.
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

UNABLE TO CONTACT EXPERIAN THERE NO PHONE NUMBERAFTER VIEWING MY REPORT I HAVE SOME QUESTIONS I WANT ANSWEREDIF THEY CAN PUT IT IN MY REPORT THEY NEED TO BACK IT UP, IF THEY CAI N'T THEY ARE HURTING MY CREDIT
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (VA)

EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX EXPERIAN BUSINESS CRED XXXX/XXXX/XXXX I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OR)

on my credit report Experian is showing Reliable Credits last post as a reposession. That was in our bankruptcy and PAID IN FULL. It was reposessed as you can see on the credit report we had to RE file the bankruptcy because there was missing information from my hunbands employer. The court ordered Reliable to return our vehicle and we paid it off through the bankruptcy. And should not be reported until XXXX as the bankruptcy will be done reporting after XXXX
Consumer complaint received 2015-05-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint against Capital one bank : I am a new employee in XXXX with no credit history and applied for Capital One 's secured credit card which requires certain deposit amount to get a credit card, it was suppose to help me build my credit ratings if I use it well. Thus I went to bank branch, applied XXXX with banking officer, provided all the documents and signature which he asked ( SS, DL, etc ) and got it in mail to my address in few days. used it XXXX or XXXX time at gas station, also added auto payment as soon as XXXX statement was available. After a month or so, it stopped working so I called the tollfree number, they told me that account is closed. I was surprised and stunned, I asked why? lady says, we encountered some fraud with your account so we closed it. I requested to transfer me to the respective department who can give me some details, then I was talking to a lady from fraud department with no information, she kept on saying that its closed and we cant tell you anything more. no reason, no justification, no call, no mail or any communication to me. just closed my account. After lodes off discussion, she said I can try to reopen your account if you fax all the documents again, Next day I visited the bank and explained the scenario to the banking officer then he was on call with same department for 45 mins, and asked for my documents, faxed it to fraud department and asked me to wait for 24 hours. Nothing happened for XXXX more week, I called the toll free again and got same answer that your account is closed, if you wish apply again but will not give any information. I asked that at-least let me pay my last due amount so that my credit history is not effected, she says account is closed so you cant pay. I said " what ''????? I tried all possible options and finally writing this complaint out of frustration and disappointment, spent so many ours on phone and in bank with no help, felt so frustrated and demotivated thinking that they will spoil my credit history without my fault. And I do n't have anyone who can help me. I just started my job few months back so I do n't have buck lodes of money to hire an attorney too. Not sure what should I do. Hope this complaint can help me in any way. I am also thinking of talking to a police department since they said there was a fraud and we cant tell you anything, may be they will tell cops.
Consumer complaint received 2024-08-10
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CT)

We moved on XX/XX/2015. Connecticut XXXX XXXX ( XXXX ) erroneously applied payments for the gas account of our new home to the gas account of our former home. In XX/XX/XXXX we received a bill that our account was past due despite our making payments in full. When I called XXXX to find out what was going on, they realized they applied our payments to our old house 's account, not to the new house 's account. XXXX reversed the late charges and applied the payments to our new home 's account, and we actually ended up with a credit on our new account. The XX/XX/2015 statement I shared with Experian shows payments in full in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a reversal of the late charges, and even a balance on our account as we overpaid the bill. Experian refuses to remove the 60 day late flag from my account, despite the fact that my payment was never late. XXXX received my payment on time, they just applied it to the wrong account. Attached is the XXXX statement showing a balance of {$17.00}, due XX/XX/2015. ( Paid XX/XX/2015 ). The XX/XX/2015 statement shows a {$120.00} balance, due XX/XX/2015 ( Paid XX/XX/2015 ). The XX/XX/2015 statement shows a {$160.00} balance ( Paid with credits from our old account ). When I called XXXX on XX/XX/2015, they realized they had applied our payments to the old account. The XX/XX/XXXX statement reflects payments of {$76.00} on XX/XX/2015, {$120.00} on XX/XX/2015 and {$34.00} on XX/XX/2015. Based on the payments applied to the wrong account, it is clear we made our payments on time, and the error lies with XXXX. Experian refuses to remove the 60 day late flag from my account, despite the evidence showing we were never late.
Consumer complaint received 2024-08-13
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)

Complaint against EXPERIAN for violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX Date of Termination : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I previously filed a dispute with EXPERIAN regarding inaccuracies on the above-referenced account. Despite my providing evidence supporting the inaccuracies and requesting their removal from my credit report, EXPERIAN failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected by the Fair Credit Reporting Act, I have the right to request removal of inaccurate or outdated information from my credit report. EXPERIAN 's failure to comply with this law is a violation of my rights as a consumer and has caused me harm and financial distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EXPERIAN for its failure to comply with the Fair Credit Reporting Act. I request immediate removal of the inaccurate account information from my credit report and appropriate action to ensure that EXPERIAN complies with its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (NV)

I opened 2 credit cards with Navy Federal Credit Union the first one in XXXX I think and the second once like 2 or 3 months ago. 
Credit cards been in good standards, I always use my credit card no more than XXXX XXXX dollars and I pay it back same billing period. 
The first credit card was increased from XXXX to XXXX 2 or 3 months ago and the second one I was approved for XXXX dollars. 
I just discovered 3 days ago that my credit card disappeared from my online banking without reason. 
I called to the bank and I was told that my credit card was restricted due to and investigation that the bank in doing on my account but without reason, they refused to provide a reason, which I dont understand because my account are and always been in perfect status. 

Also I dont agree that they remove the credit account from my online banking for no reason -my account always been in good standards -fraud was not reported or involved in my account -my checking account is in good standard also -I never been notified of anything that the cause the closure of my account -Also I dont understand the propose of taking out those credit card even restricted from my online banking -I dont understand the propose of not telling me what is going on or what caused an investigation in my accounts if those are my account.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have disputed an account showing on my credit report with Experian from XXXX XXXX XXXX XXXX in the amount of {$8100.00}. I have send XXXX XXXX XXXX letters requesting the contractual agreement with me and their company for that loan. XXXX on two occasion asked me to send them a copy of the credit report that is reporting this information. Each time I request the contract information they never able to send it. I then dispute this Item with Experian letting them know that I have no knowledge of this account with XXXX XXXX. Experian somehow able to verify that this account belongs to me. when I call Experian I was told that I have to provide proof that I try to reach out to XXXX XXXX asking for the contract and payment information or else I can not dispute this item again.I then send a copy of all the letters sent to XXXX XXXX XXXX XXXX along with the mail receipt showing that I did try to get them to respond to my request. All information that was send to Experian was via online Experian.com. Again Experian say that this account is verified by the creditor. Since neither Experian nor the creditor are unable to provide me with the information that I requested I need Experian to remove this item from my credit report. This account is showing that 150days late, collection and sold to another company. Please remove this account from my credit report.