davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (WI)

I have disputed this debt with the school and debt collector and they are still reporting it on my credit report. The documentation they provide to support billing is not only confusing but it also lists a statement date that covers the year XXXX in the top right corner and I did not attend until XXXX. 

XXXX is showing loan disbursement amounts totals of {$3600.00} disbursed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX  XXXX XXXX is showing loan disbursement totals of {$3600.00} disbursed on XX/XX/XXXX and XX/XX/XXXX. 
There is also a discrepancy with the statement indicating that it covers Winter Quarter XXXX at the top right. 

Please remove this from my credit report as this debt does not appear to be mine. 
I have attached copies of my loan details as supporting documentation.
Consumer complaint received 2020-11-17
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. (CA)

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX and XXXX did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Consumer complaint received 2024-01-18
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. (TN)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2022-08-14
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: WELLS FARGO & COMPANY (AZ)

I've been a victim of identity theft and I'm suffering punitive damages due to WELLS FARGO DEALER SVC in the amount of {$3300.00} on XX/XX/XXXX reporting fraudulently to my XXXX and XXXX credit report and XXXX XXXX XXXX XXXX in the amount of {$220.00} on XX/XX/XXXX reporting fraudulently to XXXX. I have mailed FTC reports to both the company and the bureaus without this being resolved.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me from XXXX, XXXX and Transunion.
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GB Collects, LLC (PA)

GB Collections LLC attempted to collect an amount of money improperly billed by a legal firm to me.

For legal services provided by XXXX XXXX XXXX, I was billed {$31000.00} in addition to the XXXX XXXX i already paid this firm. 
I informed them that the billing statements they provided me contained # 1 - Billing for unneccessary work. For example engaging in negotiations I did not authorize, billing for 2 attorneys time, when I requested and the agreed to use the services of a junior attorney to complete tasks, with holding information regarding precedent rulings that would have streamlined the negotiation process in my case. My case was so poorly handled that days after I discharged XXXX XXXX XXXX from my service, the apposing party approached me with a standstill agreement and stopped their most recent line of harassment in the form of threats to take away my rental permits. 

# 2 Overbilled for time for phone calls made to me, for which I have records.

# 3. Did not give me phone records validating time spent on phone calls made with third parties on my behalf.
Consumer complaint received 2021-01-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (CA)

Southwest Recovery Services , Inc. placed an unknown collection account on my credit reports in the XXXX half of XXXX ( first appeared on or around XXXX, XXXX, or XXXX of XXXX ). I do not know what this collection is for and Southwest Recovery Services never contacted me about the debt. The debt is listed with an original creditor, XXXX XXXX XXXX, that I do not know of nor have I done business with ever before. The original creditor did not contact me either. The collection debt was disputed with the 3 credit bureaus to validate the debt. The first dispute occurred in early XXXX. XXXX and XXXX  each removed the collection immediately. XXXX  did not remove the data, and it still appears as a collection on my XXXX Credit Report. The collection was subsequently disputed again with XXXX, and I do not believe they investigated it. This collection is listed with an account number ending in XXXX with an amount due of {$130.00}. This debt/collection is not mine and I was never contacted by the debt collector with any information. It simply appeared on my credit report. Even though the amount is trivial, I want this inaccurate information removed from my credit report. 

This complaint is the first of two complaints about Southwest Recovery Services , Inc. for two accounts showing as " Collections '' on my XXXX credit report. Please note that my complaints are identical in nature. XXXX and XXXX removed both accounts when disputed with those bureaus.
Consumer complaint received 2016-11-16
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (TN)

Found a classic car online and the owner said to use XXXX to handle the shipment and hold the funds until i inspected it. It was all a scam. The owner was XXXXXXXXXXXX who said he was working with XXXX, XXXXXXXXXXXX They told me the XXXX wire transfer ( {$11000.00} ) was refused. They then closed their XXXX website and never answered emails, IM 's or phone calls. XXXX XXXX also never responded to my emails.
Consumer complaint received 2024-01-18
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. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2021-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Social Finance, Inc. (CA)

I have an approved credit card from SoFi. I was trying to open a money account but couldn't open it. It kept telling me that a code has been sent to my phone which I would need to confirm in the app in order to proceed. I never received the code in my phone. I called SoFi and the representative said she is replacing code via text confirmation with code via email. But that didn't work either and it kept telling me a code has been sent to my phone which I never received. The operator said she would escalate this to their engineering team. XXXX hours later I received an email from SoFi stating that the issue has been closed and or resolved. I still can not open the money account because it still keeps telling me that a code has been sent to my phone which I would need to confirm in order to proceed.
Consumer complaint received 2024-01-18
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. (PA)

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. 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 and to find out I have this now on my list is really XXXXXXXX XXXX. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-12-05
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. (FL)

I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below
Consumer complaint received 2016-07-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

My bank sends me spam that they claim is " non-promotional '' email, even though it is clearly solely to promote their mobile banking product which I do not use and have no interest in using. The only apparent way to stop it is to revert to paper as I am already opted out of all marketing. NOT ACCEPTABLE. If they lie about this being " non-promotional '', what else are they lying about?
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (WI)

On XX/XX/XXXX contacted XXXX XXXX LVNV Funding LLC/XXXX and XXXX XXXX for XXXX  XXXX and XXXX XXXX XXXX, have filed disputes with all 3 credit reporting agencies about accounts paid in full and upon payment agreement was they were to update accounts from negative to positive, and LVNV funding last reporting activity was XX/XX/XXXX, and no updates world financial was included in bankruptcy filed in XXXX and discharge in XX/XX/XXXX but XXXX XXXX is still on my credit reports and the reporting agencies, I have sent all documents supporting the information and this is impacting my credit score for buying a home
Consumer complaint received 2024-01-18
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. (MO)

Experian closed this complaint with another ridiculous explanation that once again has nothing to do with the problem. I got mail again today from experian wanting bank statements and insurance statements THERE IS ABSOLUTELY NO WAY I AM AGAIN SENDING THOS FRAUDULENT SCAMMING COMPANY MY INFORMATION AGAIN
Consumer complaint received 2022-10-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Car was repossessed and sold for parts. Account is closed as repossession for XXXX since repossession balance has been reporting an increased balance. XXXX has removed the account. I have documents to show deficiency balance. I have tried to validate the debt several times and no response.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXXXXXX XXXX XXXX XXXX has been re-inserted into my credit file. By law they are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. at my 6th Amendment unalienable right, I respectfully demand Deletion of this item immediately or I will be forced to take legal action! In addition to the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code ( IRC ) Section 6050P, it's crucial to explore other relevant codes and regulations that may impact your case. Of particular importance are provisions that address the rights and protections afforded to service members and the potential consequences of the unlawful reinsertion of a previously deleted credit file. Here are key regulations to consider : Servicemembers Civil Relief Act ( SCRA ) : If you are a servicemember, the SCRA plays a significant role in safeguarding your rights, especially concerning interest rates, debt collections, and credit reporting. It is essential to evaluate any potential violations related to your status as a service member. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : UDAAP prohibits unfair, deceptive, or abusive practices in the financial industry. In the context of your case, it becomes relevant if there are concerns about the financial institution 's conduct, especially regarding the reinsertion of a previously deleted credit file. Gramm-Leach-Bliley Act ( GLBA ) : Sections 501 and 502 of the GLBA are crucial for addressing privacy concerns related to consumer financial information. It establishes rules for privacy policies, nonpublic personal information protection, and consumer opt-out rights. This becomes pertinent if the reinsertion involves mishandling or improper disclosure of your financial data. Regulation P : Privacy of Consumer Financial Information : Regulation P implements GLBA 's privacy provisions and focuses on safeguarding consumer financial information. It includes requirements for privacy notices, opt-out mechanisms, and restrictions on information-sharing, ensuring the protection of your sensitive data. Regulation B : Equal Credit Opportunity : Regulation B, implementing the Equal Credit Opportunity Act ( ECOA ), prohibits discriminatory credit practices. It ensures fair and equal treatment of credit applicants, making it essential to assess any potential violations concerning your credit reporting. These regulations collectively contribute to shaping the legal landscape surrounding credit reporting and financial privacy, offering avenues for addressing any infringements and seeking a fair resolution. If you have specific concerns related to these regulations, consulting with legal professionals well-versed in consumer protection laws can provide valuable insights and guidance.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2020-12-05
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-05-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc. (NJ)

The Simon 's Agency in XXXX XXXX put a medical debt that my ex-husband is responsible for in the name of my XXXX year old child. They have relentlessly called my personal cell phone and sent letters to my address where my ex-husband has never lived. They also suddenly changed tactics and decided to put the debt in the name of my daughter. When I called they refused to change the name to the father of the child who is listed on the health insurance and who 's address is listed on the insurance ( I have nothing to do with and have never had anything to do with this insurance ). I spoke to XXXX XXXX about this matter and they called Simon 's Agency to change the name to the father, but Simon 's refused to change the phone number or address so I will continue to get the bills and phone calls. I just received a phone call XXXX mins ago.