davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (FL)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Zip : XXXX XXXX XXXXXXXX Date : XXXX Creditor Name : Spring Oaks Capital Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Inaccurate Credit Reporting ( 15 USC 16812 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 
The following account ( Spring Oaks Capital llc, account number XXXX is reporting a balance of ( {$20.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of ( enter balance amount ) on my consumer file. 
This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 
Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 
Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 
Please forward any correspondence or changes to my credit report to the address listed above. 

Regards XXXX XXXX XXXX
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CT)

I have an XXXX Mastercard with Comenity Bank. I have had multiple charges on my statements that I did not make. When I went to pay my online bill I wondered why my balance was so high and I checked the statement and most recent charges. There were multiple charges made on the account in the XXXX CT area from multiple gas stations. I am unable to list the amounts because I filed a report with comenity bank and they shut down my account and I have paperless billing. The first charge was in XX/XX/2019 and there were three more charges in XX/XX/2019 When I made the complaint they said they had to investigate and said they would not take the charges off of my account. This has happened twice with Comenity bank and in the past they removed the charge. But this time they said they had to investigate it.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (ND)

Today ( XX/XX/2022 ), I had received a text message from Harris & Harris supposedly a debt collection firm for the XXXX XXXX XXXX XXXXXXXX requesting me to pay for services. I had not received using the name, XXXX in the text message including using my official cellular telephone number XXXX to pay at " XXXX '' or click this link to pay at " XXXX  : XXXX ''. In which, I had not received any medical services at any of the XXXX XXXX XXXX XXXXXXXX or any other services. I do not want Harris & Harris debt collector firm sending me any other fraudulent debt collection alleged text message bill when I do not live in the XXXXXXXX XXXX XXXX. Either do I want Harris & Harris debt collection agency placing fraudulent debt collection bill onto my credit file report.
Consumer complaint received 2022-06-28
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)

There's XXXX XXXX XXXX cards on my account that were paid and close on XXXX. However XXXX 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need XXXX  to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/XXXX.
Consumer complaint received 2022-07-02
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX C ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX BANK XXXX XXXX XXXX, and XXXX BANK XXXX XXXX Account # Unknown ) 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 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 2022-06-28
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. (TX)

There's 2 XXXX XXXX cards on my account that were paid and close on XXXX. However XXXX 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need macys to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/XXXX.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX XXXX XXXX XX/XX/2024 PORTOFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account number : XXXX Subject : Debt validation and Purchase agreement I am writing to dispute a debt that you are attending to collect from me. 
This letter does not impty that I refuse to pay this debt, I request th validation and verification from you pursuant to th Fais Debt Collection Practics Act ( FDCPA ). 
I would like you to provide me with a detailled explanation of debt from the original creditor, including the last billing statement, the date the original creditor claimed the delinquent. 
I would also like to request that you provide me with proof that you have the right or you are licenced to collect on this debt in my state. 
Under the FDCPA, I am requesting that you provide me with this information within 30 days of receiving this letter. 
Please cease any credit bureau reporting until debt has been validated by me as required under FCRA. 
Thank you for your attention to this matter. 


Sincerely XXXX XXXX
Consumer complaint received 2021-12-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX
Consumer complaint received 2022-02-22
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)

THE COMPANY, XXXX XXXX XXXX, AND XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION EXPERIAN AND XXXX WILLING REPORT THIS FRAUDULENT INFORMATION. ACCORDING TO XXXX XXXX XXXX I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX XXXX XXXX ( XXXX ) ( XXXX ) The term XXXX means the XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, invoice, and Experian are assumed to be credit bureaus and there is only XXXX Bureau in that is the XXXX XXXX XXXX XXXX. On XX/XX/1933, XXXX enacted XXXX XXXX to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency... Are inconsistent with a declared policy of XXXX... In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and ... Every obligation here to XXXX or here after and cured, shall be XXXX upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. XXXX XXXX XXXX ( XXXX ) ( XXXX ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated XXXX XXXX XXXX ( XXXX ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account. Remove these account immediately or pay me {$250000.00}.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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. 
The following Accounts : Loan Account Holder : XXXX Nevada XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (MI)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my follow 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 2022-07-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my follow 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 2020-03-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (CA)

Sunrise credit services sent me a letter attempting to collect a debt on XX/XX/XXXX on behalf of XXXX XXXX  I have told them on many occasions to cease and desist. 


I filed a complaint with cfpb on XX/XX/XXXX, Complaint ID XXXX-XXXX, over their attempt to collect on the same debt.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CO L ( Original Creditor : XXXX ) XXXX, US DEPT ED XXXX, DEPTEDXXXX 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 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 any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( a ) ( 1 ) Section States : That 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 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX To Whom it May Concern My Identity has been stolen from XXXX of XXXX till Spring of XXXX. I was currently living in XXXX California at the address stated above. 

I have a couple reasons to back up my claims this is an identity theft fraud : 1. There have been MULTIPLE frauds Ive had to overturn on my account since XXXX of XXXX. 
2. I reived a letter from XXXX XXXX that my data had been stolen, including my social security number. The theives have used my old address XXXX XXXX XXXX XXXX, XXXX CA XXXX which I have not lived at since XXXX of XXXX. You will see my original application, lease agreement, and notice to vacate attached to this document. 
2. There are major holes in their claims because they used an old address that I no longer use. It just happens to be on my driver 's license still which I have NOT updated since I moved in XXXX of XXXX. 
3. What's more? They took out these lines of credit in these apartment buildings states Ive never been to and places Ive never been to. 
5. Ive created a credit fraud alert to the credit bureau and I have frozen my credit. 

THESE ARE THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX {$1500.00} XXXX XXXX AMOUNT UNKNOWN Ive attached all the copies of police report, notice to vacate the XXXX address, income statements mailed to XXXX address stated above ( I rent so I do not pay utilities personally ), copy of my drivers license which has not been updated since I moved out of XXXX ( primarily because of COVID and I havent gotten around to it. ), and the signatures of the cop who filed my police report. 

Please let me know if I can assist you in this matter further. I had a near perfect credit score before this ( almost an XXXX ) and I would very much like my credit score to be reinstated to its rightful score and have these fraud claims overturned. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2022, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX, 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 XXXX XXXX XXXX  has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2022, I, XXXX XXXX XXXX received a negotiable instrument/draft, ( hereafter known as a " check '' ), for {$3000.00} from XXXX XXXX XXXX XXXX The check was assigned from the BB & T bank which falls under the Truist bank corporate umbrella. I went to the Truist bank at XXXX XXXX XXXX XXXX XXXX XXXX, MD. I put my signature and attached a reservation of rights on the check ( see attachment 1 ) per Uniform Commercial Code Article 1 Section 308 ; previously U.C.C. 1 - 207 ( see attachment 2 ). I preceded to cash the check when the teller informed me it would be {$8.00} fee. When I informed her that I had reserved my rights on the check, the branch manager, XXXX XXXX, ( hereafter known as the " manager '' ), approached me and asked what the problem was. I informed her that I was there to cash a check, which by law is a draft/order from the account holder to the bank, to pay the bearer of the check the amount stated unconditionally upon demand, and that i should not have to pay a fee because company policy is not law ( see Attachment 3 ). I further informed her that without full disclosure of bank fee policies on the check, charging a fee in lieu of a reservation of rights is paramount to fraud. The manager stated incorrectly " it is not fraud! '' I explained to the manager that i would not pay the fee and that i would be filing a complaint.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Today XX/XX/XXXX at XXXX Am I was on the phone with a hud rep and XXXX customer service she didnt know anything un willing what ever the hud asked about mortgage kelp she didnt know she kept put us on hold to go research These are the kind of people work at XXXX  and handle their customer The hud reps told her 6 times that we have a sale date on XX/XX/XXXX and we dont have much time She wouldnt even respond we had to drag the word out of her mouth XXXX is a crock They refuse to help The just want to take my home Customer rep said even if I pay and bring the account current They will still foreclosure my home regardless I wanted to dump these crocks I was in a middle of finance With what they done to me they forced me to stick with them Shame on government For allowing these thiefs to operate and still cheat and take peoples home fraudulently I am a military parents my son is in the XXXX XXXX My husband is a disable And there is no help On XXXX XXXX Thief SLS will set to foreclose my home And I will be living in the street