davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (NY)

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$11000.00}
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/XXXX I checked my credit report to see that XXXX aka capital one has left my account opened after it was closed in XXXX XXXX XXXX ) and paid in full in XX/XX/XXXX. The amount that had was for {$4.00} then it jumped to {$8.00}. I don't even have access to the account since it's been closed and my user profile was closed along with it. I made a complaint about XXXX 's business ethics in XXXX which fell on def ears by the cfpb. Please help me
Consumer complaint received 2021-06-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

Though XXXX XXXX, I was notified of 2 collection accounts that was reporting on all 3 bureaus. I also confirmed this through phone communication with them. I then submitted my dispute by mail. I then received one letter from XXXX XXXX which I included in this complaint. I followed up with the bureaus on the XXXX with a letter stating that they have not complied with the law by not communicating with me the results of the investigations that they are compelled to do with 30 days. 

These collectors has not provided any information to me as proof that this debt is mine, yet continues to report this information to the bureaus. I have asked for the information in these communications that I will upload. They also did not respond in a timely manner or ignored my requests outright. I am submitting this on my own behalf. I have no other authorized third party.

These collectors did not provide HIPAA release to be able to collect on this debt. They did not provide any information to me asking for validation of within 5 days after intial communication per 15 United States Code 1692g ( a ). Failed to provide proper verification. Communication with bureaus violating my right to privacy providing them with false reporting. Under 15 United States Code 1681n ( a ) ( 1 ) these violations have caused damages to my personal credit due to false, misleading, unverified, and unvalidated information.

15 United States Code 1681a ( 3 ) ( A ) and ( B ) restricts sharing medical information and services such as listed as " Emergency Dept Visit ''.

No response when asked to provide signed contracts as well as no response within 30 days of dispute. Under 15 United States Code 1681c ( C ) ( 1 ) this debt has passed 180 days and should no longer be on a consumer report.

I still have not recieved a credit report with updated information from these agencies, nor mention that this disputes is or even will be listed.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I have been banking with Wells Fargo since XXXX there was a dispute filed on XX/XX/XXXX of XXXX apparently someone has made a call to Wells Fargo and have disputed bunch of charges made a total of almost {$1000.00} when that came into my awareness I had just about almost 3 months to figure out what that provisional credit was it made my account go in the negative then the closing my account I filed a fraudulent claim they have closed my account not told me what was going on all the agents don't know how to respond to this I have been disrespected I have been by Lately by Lady my privacy they stoled my account information on me see through third-party
Consumer complaint received 2023-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (AZ)

I have been contacted by Central Portfolio Control several times by phone, trying to collect more personal information for them to give me more details about the bill the are trying to make me pay. I have also received a letter dated XX/XX/2023, with an account summary for service on XXXX XXXX and reference # XXXX for a balance due of {$10000.00}. The communication mentions that the original creator is XXXX XXXX XXXX XXXX XXXX. I have never used nor taken any service from that hospital. 
I have never been contacted by dignity health and I have never heard nor used Central Portfolio Control company. I have called CPC to report the spam, they did not receive my call seriously, I did not receive any help, and they did not show any concern for the company 's name involvement.
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have emailed and mailed a copy of my Bankruptcy discharge to Capital One numerous of times in 2017 for the amount of XXXX which was included in my Bankruptcy discharge. Capital One has acknowledged recievment of the document, but its still listed on my account. I would like this information deleted from my credit report as it is not accurate.
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC (CA)

I am trying my best to make payment arrangements with my lender since I can not make the monthly payments. I do not make enough money to pay what they are asking for. I have submitted the paperwork that they requested 3 times. On my paperwork I specifically indicate that I am asking to make payments arrangements and NOT asking for forbearance. They keep insisting they are not receiving my paperwork and in the meantime keep charging me late fees. I have called and asked to speak to a manager and nobody at this company listens to anything I 'm saying. I feel like I should not be charged late fees because they are disorganized and do not process paperwork in a timely manner. This lender is responsible for collecting for XXXX University which was sued recently for fraud. It seems like they are trying their best to add fees on top of more fees instead of working out a payment plan with me which is not right. I paid enough money in tuition to attend this school only to have my degree serve me no purpose. I have not been able to get a job in my field of study and XXXX has not helped me get a job either. So now they 're trying to rob me of the little income I have. Someone please look into this and help me get this resolved. I am not asking for handouts, simply want my request processed properly and allowed to make smaller payments a month until the account is all caught up and not be charged late fees.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc. (GA)

HIRE RIGHT HAS CAUSED ME TO LOSE THREE JOBS. THEY CONTINUE TO REPORT THAT I HAVE A WARRANT IN ANOTHER STATE AND I DO NOT. THEY USE ONLINE TOOLS WHICH IS WRONG TO REPORT WRONG INFOMATION. I HAVE WENT TO THE POLICE STATION ON XX/XX/2022 AND THEY DID A NATIONAL SEARCH AGAIN AND THERE IS NO WARRANT NO PLACE IN AMERICA. I HAVE TRIED TO WORK WITH HIRE RIGHT AND THEY KEEP LYING SAYING THEY VERIFIED. BY LAW YOU HAVE TO ACTUALLY GO TO THE PHYSICAL PLACE AND SHOW WHY YOU HAVE INTEREST AND SHOW YOUR DRIVERS LICENSE. THEY HAVE NOT ONLY DID THIRD PARTY INQUIRIES INSTEAD. THEY CONTINUE TO REPORT WRONG INFORMATION. WHICH IS AND WILL CAUSE LEGAL ACTIONS AGAINST THEM.
Consumer complaint received 2021-04-14
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. (CA)

XXXX XXXX XXXX has been fraudulently reporting on all of my credit reports. I NEVER agreed to a loan with them, I simply applied for a refinance to my current vehicle and their response was to open a loan account on my behalf without even asking me if I agreed to their terms and without even telling me what their interest rate was. They sent me promissory note and check in the physical mail during this process, I was just waiting to see what my approval terms were, they would not tell me via their online messaging system or via email, stating that I would receive the info in the mail. I found it odd that I got a check in the mail and a promissory note along with instructions on how to change my title over instead of an approval letter FIRST. So I told them forget it, I do not want to proceed with an agency who does not know what they are doing ( this is not the first issue I had with them ). I never signed the note, nor cashed the check so I am EXTREMELY surprised to see that they are reporting on my credit reports!! I was wondering why I was getting denial letters from other car loan agencies stating I had too high revolving accounts, because I only have one car loan which I was refinancing for. So I check my reports and see it is because this " bank '' opened up a loan account and put it on my credit report! Now I have unnecessary dings on all three of my reports because of them! I have absolutely had it with this " bank ''! Which is why I am reporting them, so someone does something about their fraudulent actions.
Consumer complaint received 2022-12-04
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. (AZ)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Compliant # XXXX refering to Experian was not a duplicate of another compliant. I check every Experian complaint. I was not notified of the " duplicate compliant number either. As I stated, Experian deleted the XXXX XXXX account 3 TIMES and did not notify me as the law requires a credit reporting company to do. Law 15 U.S code 1681d. I request a reinvestigation and want to know why Experian violated the LAW 3 TIMES. Law 15 U.S code 1681d state that after a investigation a consumer must be notified. I WAS NOT NOTIFIED that XXXX XXXX would be put back on my credit report 3 TIMES. Read Law 15 U.S code 1681s-2. I CLEARLY states that a furnisher CAN NOT furnish information if they are notified by the consumer. I have dispute this account with XXXX XXXX several times. I have attached my Experian online credit report document as proof Experian has deleted this account 3 Times and it is still on my credit report.
Consumer complaint received 2023-01-13
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: Upstart Holdings, Inc. (MD)

In accordance with the Fair Credit Reporting Act XXXX  account : XXXX XXXX XXXX Upstart Services  has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (AL)

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. 

XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX  # XXXX has violated my rights. 

15 USC 1681 Section 602 A 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 written consent.
Consumer complaint received 2022-02-08
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. (NM)

Experian has me blocked from initiating any dispute. For months now they tell me that they are experiencing technical difficulties. My credit report is also not available through XXXX as I recieve the message that a condition exists that prevents them from fullfilling my request. You call and their people tell you that the site is experiencing difficulties and to try again later but months go by with no resolution. I can't help but feel this is punishment for submitting previous disputes. I can not get a resolution to my issues in accessing my own information which they seem to be holding hostage.
Consumer complaint received 2022-10-09
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: Bridgecrest Acceptance Corporation (NJ)

Bridge crest reported on my credit reports a charged off on the account it should reflect a balance of XXXX XXXX Charged off means they received a XXXX from irs means they have a tax credit. They can not by law collect from me
Consumer complaint received 2019-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me ... XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (IL)

Greetings, I applied for a loan from Lending Club on XX/XX/2018 for {$12000.00}  and they approved me for it with 36 months, interest rate 29.41 % and APR 35.36 %. They gave me about {$11000.00} and they started billing me couple weeks after receiving the money. I appreciated the fact that they offered me the loan and started paying them immediately {$510.00} in XXXX and {$500.00} in XXXX and in XXXX I mailed them the balance in full of {$11000.00} after I called them and confirmed the amount we should be sending, My local Credit Union  mailed them the balance in full and they chose not to cash it till days later so they could charge me a late fee and now they put it on my credit after I called them more than once and fully disputed the charge with them. Now I am reaching to you to help me with this company to remove this erroneous reporting on my credit report. 
Thank you
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I reached out to Aidvantage via mail. They received my certified letter in the mail on XX/XX/XXXX. Aidvantage did not answer anything pertaining to my letter. The just simply concluded that my letter was regarding to identity theft, and it was pertaining to them. I wrote them and informed them that I never gave them permission to have alleged loans in my trust name " XXXX XXXX '' transfer to them from XXXX, and charge me with an alleged debt without proving to me that this debt belongs to me. In my letter informed Aidvantage company to cease and desist phone calls to the number that they have on file for me and any references. An individual contacted me by phone from the fraud department, which makes then in violation to the FDCPA 15 USC 1692c ( a ) ( 1 ). It was an inconvenient time for me because I was at work when they called XX/XX/XXXX @ XXXX. Aidvantage also sent me a letter with their name stating that they were a loan service. They violated my privacy because anyone could have seen my name go the envelope and assume I have alleged student loans with this company. This is in violation of 15 USC 1692f ( a ). These two violations per the FDCPA Aidvantage needs to pay be {$1000.00} for each violation.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were created when my identity was stolen and I want them removed and deleted from my credit profile
Consumer complaint received 2021-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to 15 U.S. Code 1692, XXXX, Transunion, XXXX  and XXXX has been misusing my personal credit information without my consent. I have not signed a contract with neither of these agencies nor have I verbally given permission via phone to allow my records to be released to the public. They are all displaying false information on my report that they are not authorized by LAW to do such. They have deleted certain items and come back and replaced old addresses and accounts that I have disputed indicating that I have no knowledge of or belong to someone else with similar names.