davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have disputed the following with XXXX and the creditor directly. 

I have uploaded two copies of my credit report so the discrepancies can be seen on the reporting. 


XXXX 11 potentially negative months The payment and final agreement were made by my ex-husband, I did not even know the account was opened under my name & social. there was almost zero way to get the account number to even try to work with XXXX XXXX directly in the Beginning of me trying to resolve this issue. 

XXXXXXXX XXXX XXXXXXXX Collections XXXX shows opened XX/XX/XXXX payment legend shows only 3 months of collections {$1900.00} Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

PORTFOLIO RECOV ASSOC Collections XXXX XXXX  {$3700.00} Incorrect date of delinquency Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

PORTFOLIO RECOV ASSOC Collections {$520.00} Original creditor : XXXXXXXX XXXX showing opened date of XX/XX/XXXX- but synchrony Reported it delinquent before that Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

I was given a promotion in writing for {$75.00} credit if I spent {$500.00}. The credit card is refusing to honor the promotion. Additionally, they are intentionally delaying the posting of the credit to incur interest on the balance.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been under forbearance plan for the past 15 months due Covid-19 situation with my loan servicing company " XXXX XXXX XXXX ''. 
I told them I can resume my regular monthly mortgage payments beginning XXXX, XXXX. They already declined my loan modification application ( they say it was modified in 2018 and it was only once in a life time deal ) and refused " deferral option ''. Now they are demanding I pay at least one year lump sum payment or my home be foreclosed. I just came out of Covid 19 economic hardship situation and do not have such a lump sum amount. 
I have never been late on my mortgage payments since 2018 and have over XXXX credit score. 
I tried refinancing but because I have been under forbearance, all banks I applied refused. I have over 60 % equity on my home now. 
My mortgage is not federally backed, I think.
Consumer complaint received 2022-08-01
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3300.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell SPRING OAKS CAPITAL LLC AND XXXX XXXX XXXX XXXX to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

SPRING OAKS CAPITAL LLC Account number : XXXX  Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Consumer complaint received 2023-02-01
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)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-06-22
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: ENCORE CAPITAL GROUP INC. (CA)

midland cred.mgt is without identifying the account they are collecting for is attempting to collect on an account since XX/XX/2021. 
before XX/XX/2021 XXXX XXXX fraud dept said I was not responsible for this account and said they instructed the big 3 and XXXX credit bureaus to remove this account from their files ... i disputed this account, providing the attached proof to XXXX and nothing was done but a false verification. 
and today experian will not allow dispute or upload of the information attached here. 

( SEE ATTACHMENTS )
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In relation to your response to my claim number XXXX, I must insist. 

To Fifth Third Bank The following check is legitimate and corresponds to a federal student loan, of which I provided information when a bank employee requested it. The bank itself followed its usual protocol to pay me that legal check. 

Your bank closed my account based on information that is not accurate. The professional who made the decision stigmatized me and assumed that the second check was also fraud when it was not. I insist, I was the victim of fraud on a first check and then you took action on a legitimate subsequent check. 

Thanks
Consumer complaint received 2021-05-06
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: Bay Area Receivables, Inc (MD)

Bay area receivables put false information on my credit report that dated back to 2016. But the account does not belong to me at all and is someone eleses. This collection agency is fraud and needs to be investigated.
Consumer complaint received 2022-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX : 1. US Small Bus XX/XX/XXXX 2. US Small bus XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Transunion : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-25
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 (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXCAPITAL ONE XXXX ... KOHLS DEPARTMENT STORE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-05-31
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. (GA)

I'm getting increasingly more disappointed with your organization. After discovering these blunders being accounted for on my credit report I have made the essential strides to illuminate all of you regarding the mistakes. By and by all of you are not doing your part to determine my issues. My family and I are getting exceptionally fretful. My lawyer advised me to send this letter to alarm you these blunders prior to making a legitimate move. I'm an individual that goes to work ordinarily to ensure my family have equivalent freedoms actually like every other person. I'm a shopper that will not be a survivor of provocation or misuse. As indicated by 15 USC 1692d 1. ( 1 ) the utilization or danger of viciousness or other criminal intends to hurt the actual individual, Notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Detailing bogus data on somebody's credit report is unfavorable to a shopper 's standing. Sending letters an endeavor to gather obligation from a shopper who obligations don't have a place with is likewise a type of provocation which is another infringement of 15 USC 162d 1. ( 1 ) Continually sending letters that has images of an obligation authority outwardly of letter is an infringement of the utilization or Danger OF Brutality or other criminal intends to hurt the actual individual, notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Additionally as indicated by 15 USC 1681 ( A ) Precision and decency of credit announcing The Congress makes the accompanying discoveries : ( 2 ) An intricate system has been produced for exploring and assessing the credit value, credit standing, credit limit, character, and GENERAL Standing OF Purchasers. You can survey my acknowledge report as proof to see that my standing indeed has been demolished. This part unmistakably says that a customer 's credit report was set up to recognize an Overall Standing OF Purchasers. Likewise, I expressed before I was a casualty of the XXXX  Information Penetrate.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (CA)

I moved out of the apartment in question on XX/XX/XXXX. I returned the keys and was told that I would receive my security deposit back minus any fees within 30 days. I never heard anything from them but the deposit was low and I had moved out of state so did not try to obtain this back through small claims. 
XX/XX/XXXX, IQ Data international  added a collection account for this rental property to my credit reports with the amount of {$810.00}, plus fees totaling {$1000.00} which has further increased to {$1000.00}. It states it had been an open account since XX/XX/XXXX. 
Now according to XXXX XXXX XXXX XXXX a rental property has 30 days to furnish to the tenant a written itemized list of the damages for which the security deposit or any portion thereof is withheld, along with the balance of the security deposit. 
The landlord shall have complied with this subsection by mailing such statement and any payment to the last known address of the tenant. 
This never accorded. To this day, I have never received any notification of anything from the property or collection agency. Therefore they have both violated XXXX XXXX XXXX XXXX 
30 days would have been XX/XX/XXXX. It has now been XXXX days since I returned the keys, it was XXXX days between moving out and this account being opened and XXXX  days until it showed up on my credit report and I was aware of it. I have not received any communication regarding this debt. 
I have disputed it with all three credit bureaus on XX/XX/XXXX and XX/XX/XXXX to no avail. I have not been able to get in contact with IQ Data International but tried on XX/XX/XXXX by phone. 
In addition to this, IQ Data International have misspelled my name. My name is XXXX XXXX XXXX but they have spelled it XXXX XXXX XXXX. So this is not even me but they have added this weird name to my report. 
All in all I have no idea why I have this collections and it is in violation to the law so needs to be removed. XXXX properties incorrectly sold it as they never notified me of anything within the allowed 30 days. Again, this is a violation of XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-26
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 (TX)

I paid off my auto loan on XX/XX/2021 as required. The payment I submitted was before the 30 day mark because I was told I needed to pay it in full. However, on XXXX XXXX, I received an alert from XXXX that Capital One noted the account as 30 days overdue which caused my credit score to plummet 24 points. I reached out to Capital One and XXXX but no one wants to rectify the error. I was not late but Capital One marked me as late. The investigation by XXXX said that they updated the account and the account was accurate but this is not true because my pay status currently shows the account was paid, closed and was 30 days past due. XXXX states the Original Charge Off was updated although there should have never been a charge off. Per XXXX 's product, this error has caused my score to drop. XXXX is not acknowledging their own credit reporting products and if they are useful tools to the consumer, XXXX should be able to assist the consumer. This has affected my ability to secure a better rate as I start the homebuying process.
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I'm a natural man submitting this complaint on the behalf of myself without any third party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, TransUnion, XXXX and XXXX is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Consumer complaint received 2022-08-01
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX A XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$92.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Consumer complaint received 2022-08-01
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)

Upon reviewing my reports, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$6900.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-11-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MI)

To Whom It May Concern, I am writing to address my previous letter dated XX/XX/2024. I have noted a significantly lower balance on my account ; however, I have yet to receive any statements or gain online access to this account. It is important to remind you that, per the Consumer Financial Protection Bureau, your bank is obligated to provide the following : 1. An itemization of the current amount of the debt, including interest, fees, payments, and credits since a specified date.

2. The current amount of the debt at the time the notice is provided.

I have not received a statement since XX/XX/2024. This lack of communication is unacceptable and has left me no choice but to demand the removal of any negative references related to this account from all credit bureaus.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (NC)

I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. 

This incident began in XXXX of XXXX and is still ongoing. 

My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. 

The XXXX XXXX XXXX in XXXX, NC is the responsible party. 

The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. 

Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.
Consumer complaint received 2022-09-21
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. (MD)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX : {$0.00}