davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Consumer complaint received 2023-01-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act. XXXX  Account XXXX XXXX Account : XXXX 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 an 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 2023-05-13
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: Experian Information Solutions Inc. (NY)

<This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> XXXX : Inquiry : : : XX/XX/ - To Remove from XXXX XXXX XXXX Inquiry : : : XXXX - To Remove from Experian XXXX : XXXX XXXX XXXX Balance to be UPDATED as of XXXX XXXX >> ( {$160.00} ) << / Currently left at XX/XX/XXXX ( {$460.00} ) *** Please fix this as my score should be higher than what it is *** XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX - Address ID : XXXX -- - Type : XXXX -- - Geographical Code : XXXX ( ( ( ( ( Remove : Appeared on Experian Report ) ) ) ) ) ================================================================= <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> DEPT OF EDUCATIONXXXX XXXX : {$2400.00} DEPT OF EDUCATIONXXXX  Balance : {$5800.00} DEPT OF EDUCATIONXXXX Balance : {$5800.00} Total balance : {$14000.00} ================================================================== *** Please remove fraud alert from all 3 credit bureaus until it's requested again ***
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I have accounts that needs to be removed due to incorrect information being reported I have previously removed these accounts from the other bureau experian and XXXX wont delete off the report I am referring to XXXX XXXX XXXX opened XX/XX/XXXX balance {$4300.00} also XXXX XXXX XXXX opened XXXX balance {$4400.00} ameri collect dates opened XX/XX/XXXX, XX/XX/XXXX balance {$1500.00} and {$1500.00} that is supposed to be deleted which is already deleted from my report due to previous dispute experian wont delete anything nor will update my report when i reported someone was using my name. 

XXXX XXXX XXXXXXXX opened XX/XX/XXXX balance XXXX monthly payment {$490.00} i have paid my bill and i need it updated i dont have a 60 late payment self credit card opened XX/XX/XXXX balance {$500.00} i already paid my bill i need it updated that i paid i dont have a late payment and the utilization isnt reporting right self loan XX/XX/XXXX i have paid my bill already i dont have a late payment
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX IN XXXX Balance Owed : {$12000.00}
Consumer complaint received 2023-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEAR CAPITAL ONE ACCT XXXX BALANCE OWED XXXX Capital one im writing because I found a paid auto that being reported on my credit and it wasnt mines I filed a report with the ftc report XXXX stating this paid auto account is not mines, AND REQUEST U TAKE THIS PAID AUTO OFF OF MY CREDIT .IF U CHOSE TO NOT REMOVE THIS ACCOUNT ILL BE FORCE TO HIRE AN ATTORNEY TO FIGHT MY CASE IN ARBITRATION. MY REQUEST IS YOU REMOVE THIS PAID ACCOUNT FROM MY CREDIT. OR PLEASE SEND ME EVERTHING YOU HAVE SHOWING THAT I PAID OFF THIS CAR.PROOF OF ALL PAYMENTS, PROOF OF MY ID AND ALL CONTRACTS PERTAINING TO THIS PAID AUTO. 















XXXX XXXX XXXX  XXXX EMAIL XXXX XXXX
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (DC)

I have been with the company for years and my direct deposit has been with them for almost a decade. They closed my account and could not give a solid reason as to why they closed it. I have spoken with multiple reps who said I would need to reapply in order to open the card back up. It should have never been closed since I was making the required payments. It also appears in my dashboard for online banking. I noticed the accounts interest increased even though the account is closed. I should not pay an increased interest rate when the account was closed prior to the increase.
Consumer complaint received 2016-05-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (CA)

Hello. I paid off a car loan that I had with Bank of the West. They sent me a " Certificate of Title, '' and told me in a letter with the title, to take it to a titling agency to release the Bank of the West lien. I called a couple of titling agencies who said they do not do that. I then called my LegalShield lawyer service who said I must take it to the DMV to update the title, but that Bank of the West is shirking their responsibility in making the customer take this step. ( I did not have to take this step when I paid off my first car loan. )
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/2023 RE : Method of Verification To whom it may Concern : I am requesting the Method of Verification for the following disputed account ( XXXX ) : XXXX XXXX XXXX Account Number : XXXX ( Partial Account Number ) XXXX + Account Number : XXXX XXXX + Account Number : XXXX XXXX  + Account Number : XXXX XXXX XXXX XXXX + Account Number : XXXX XXXX XXXX XXXX XXXX + Account Number : XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
1. The name of the original creditor and full account number ( s ).

2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Credit reporting agencies are not allowed to report items on my report without providing any verifiable proof in the accuracy of their reporting. This is grounds for removal of the inaccurate account on my report, they are also in violation of my rights 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 an account without my written instructions.

I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am very interested to learn how your investigators arrived at this erroneous conclusion. 

I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. 

I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

If you are unable to respond in a timely manner and provide the above items, please delete the account ( XXXX ) from my credit report to prevent further damage. 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-13
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. (TX)

I submitted a letter to the 3 Credit Bureau on XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$180.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$93.00}.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX My account was referred to XXXX XXXX XXXX collections company in the amount of {$190.00} with a card ending XXXX. The account has been settled in full by means of XXXX XXXX XXXX. The account is still being reflected as a charge off bad debt/unpaid balance on XXXX, XXXX, and Experian. I have disputed this account to no resolution. I am seeking assistance in rectifying the credit reporting for this account.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

XXXX XXXX, I applied for an online loan and instead ofgetting a loan online they stole my information and hacked my bank account using fake checks from XXXX XXXX. They pretended to be me and my bank has been treating me like I did the whole thing.My account is negative thousands of dollars, because of what they did by stealing my account information when all I tried to do was get a loan online. This happened at least XXXX working days ago and the bank is still treating me as if you wrote these bogus checks to be put into my account so they can pull money at an accelerated rate, my bank is too far behind in technology to figure it all out, and has even put me on a check systems list for writing fraud checks.Meanwhile, money I had coming in to survive with is being eaten up and I am penniless.I need resolve fast so I can survive.I am on XXXX and that money is being swallowed up.Please help me.
Consumer complaint received 2023-05-13
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. (TX)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable 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  Note that this complaint is my follow-up complaint to ensure the listed accounts are verified immediately.
Consumer complaint received 2023-05-13
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Someone has stolten my personal information, such as an account number or secuiry number of my debit card to make the fraud transaction of my American checking account via the third-party company including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It happended at the XXXX  of XXXX when I was sleeping, so I do not know anything about these transactions or the receivers. I was lost almost {$6000.00}, that was a big amount because I'm just a XXXX XXXX XXXX  ( also this is my first time in the US ). My English is not so good, so I don't know where to report this problem or who I hould contact to bring my money back. I just called the bank 's service and they said that they will do the research, but no gurantee when this is finished.
Consumer complaint received 2023-05-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I call this morning at XXXX to Experian and the agent didn't catch his name anyway he was being sarcastic and rude. He kept asking my name and verify my information which I did and gave me a hard time about my address when I been living here for over 3 years anyway gave me a hard time for not taking a dispute because he needed me to send in an update on my address when it is already updated. I'm trying to tell him why are you asking about an address when I have an active dispute. Then he tells me my credit report needs to be updated I ask him how every time I call I never had this problem, he tells me well I can't help you until you send me a copy of your ID and proof of address. Anyway this agent was very rude did not help me or an dispute that I was calling for so I'm complaining about this situation that went left bad communication with this agent he didn't even look up or go into my file to see if my address was OK he gave me such a hard time he was not nice about helping me.
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (PA)

On XXXX/XXXX/2015, I filed an dispute with Diversified Consultants. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Diversified Consultants never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.
Consumer complaint received 2023-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I pay my debt with a program of XXXX XXXX. 

I received a letter with debt {$2000.00} XX/XX/2023. I make a dispute with evidence of XXXX XXXX. 

I received another letter XX/XX/2023 I presented again the same evidence. 

I received a letter XX/XX/2023 where they said already responded my dispute, they ignored my evidences. That response I must to make a claim to you.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Arcadia Holdings, LLC (MO)

I have received numerous calls and messages left from ARB within the last week. I received a call and a message on XX/XX/23 and XX/XX/23, XX/XX/23 and today XX/XX/23. I decided today that I would call to see why I was receiving these phone calls. The gentleman I spoke with never identified himself just while he works for, I let him know I have received numerous calls and asked who they were trying to call. He was very rude to begin with. He said persons name and asked if I was said person. Told him no and that I have had this phone number for 5 years now. He told me I dont need to worry about it then and hung up. Not even XXXX hours later I received yet another phone call and message. I did look up on the CFPBs website and seen where ARCADIA RECOVER BUREAU also known as ARCADIA HOLDINGS INC has had several complaints
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANKERS HEALTHCARE GROUP LLC (NY)

I have a business XXXX with BHG, I made a {$8500.00} payment on XX/XX/XXXX, as of today XX/XX/XXXX this payment is still not reflected as available credit. The payment posted on XX/XX/XXXX and was processed from my checking account the same day. This happens everytime a payment is made it takes 7+ days for the funds to be available. This as a business owner, hinders my ability to purchase materials and complete my jobs timely. Every time I call I get the same answer, we're sorry it takes a " few '' days to process. We are sitting at 6 business days now. The company will not tell why it takes so long or why it doesn't show. They have refused to offer any insight.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (MI)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-01-04
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)

this credit report agency keeps reporting false accounts on my credit report. the account does not belong to me. i have asked to provide XXXX a copy of the original contract that shows my signature XXXX copy of payment history XXXX name and address of original creditor XXXX proof of collection authorization If they cant provide ALL XXXX of the above they are illegally furnishing false information on my credit report they need to remove it immediately