davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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 (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX, {$14000.00} XXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXX IN, {$940.00} SPRING OAKS CAPITAL LLC, {$1000.00} I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

Complaint against : Citicorp Credit Services, Inc-XXXX 

I submitted a billing dispute request against a retailer which Citicorp responded on XX/XX/2016 requesting additional information/documentation/evidence of my dispute ; which I followed up on XX/XX/2016 with all requested documentation. 

Apparently it seems they made a decision ( in favor of the XXXX ) not to honor my dispute request without viewing the requested evidence. Nor did they bother to inform me of this decision. 

When I phoned the XXXX Department to follow up I was informed at that time of their decision which I requested to speak with a Supervisor due to the lack of respect and Customer Service provided.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX are accusing me of a medical debt that was paid by insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.
Consumer complaint received 2015-10-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

Dear Consumer Finance Protection Bureau : My father name XXXX XXXX XXXX he is persistent XXXX. His XXXX digits social security is XXXX his previous mailing address was XXXX XXXX XXXX XXXX, XXXX , Oregon XXXX. He has checking account at Chase Bank but now he is not able to manage his checking account. I am his daughter and want to be his representative manage his financial. I went to Chase branch at XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX on XXXX XXXX, 2015 but the branch manager was not able to answer my question what documents I should provide to be my father representative or power of attorney but in this case my father can not able to sign any document because his XXXX. I do not know why a chase branch manager does not have a basic knowledge to answer what documents should be provide if my father has checking account but his XXXX is not able to manage his checking account at this time and I want to be help him manage his finacial and checking account. She did not know everything and did not help me at all. really bad service at this chase branch. 

XXXX XXXX XXXX XXXX XXXX XXXX, oregon XXXX
Consumer complaint received 2016-01-14
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CO)

On Board an XXXX XXXX flight the passengers were offered roundtrip tickets to any US destination including Hawaii if we applied for a CITI Bank, AA Advantage card. I recieved the card and spent the required amount in the required period to qualify for the Hawaii tickets. Upon applying for those tickets I was told that Hawaii was not a part of that offer. The card as presented by XXXX XXXX agent was false and both CITI Bank and XXXX XXXX will not honor the offer as presented.
Consumer complaint received 2015-06-01
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: National Credit Adjusters, LLC (AL)

Three years ago, roughly, I partially applied for a loan at XXXX XXXX. As the final step the woman on the phone wanted to have a recorded conference call with my bank, XXXX XXXX XXXX. The bank rep asked some pointed questions, and I told them thank you, but I did not want the loan. No money was put into my bank account ( The bank closed and I can not get records now ). XXXX XXXX has declined to provide proof of their supposed deposits, and their own phone recording has me repeatedly saying " NO '' ( the woman would n't get off the phone and I finally hung up ). 

They became a nuisance in attempting to collect a non-loan, and I filled a police report with the XXXX County Sherriff 's Dept. in 2014. 

Now I am getting calls at work from National Credit Adjusters, XXXX.
Consumer complaint received 2016-11-07
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Midwest Recovery Systems (IL)

I received an alert from XXXX that Midwest Recovery Systems placed a negative item on my credit report. When I called them, they said I took out a loan from XXXX XXXX XXXX in XXXX of 2011 and that I owe {$660.00}. Midwest Recovery Systems did not send me a letter about this debt before this negative item was put on my credit report. In addition, I do n't remember taking out this loan. Also, Midwest XXXX XXXX is not licensed to do business in XXXX Illinois, so the loan is invalid.
Consumer complaint received 2016-03-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

My ex-wife and I filed bankruptcy XXXX15 years ago. The mortgage was never refinanced. My wife was awarded the house in the divorce. Chase, the non-loan carrier has now placed my credit card information on the same site as the mortgage information. Chase knows this loan is non existent as they already reported to the credit bureaus to remove the transaction info from the cleared loan from my credit history. I refuse to sit on hold while they transfer me around from operator to operator. I have contacted them twice on the website and received e-mails saying " this sensitive information is not available on the web, please call. '' Which is exactly my point. But why do I have to waste my life listening to their propaganda tape loop while they act like they are fixing their error. I want them to pay me for my time if I am going to waste it repairing their criminal conduct.
Consumer complaint received 2017-09-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Around XXXX I made a dispute through equifax on their website. I have been waiting over a month for my results to come in. So one day I check online to see my status again and it still states that is was n't completed so I call their customer service to see what 's going on. I call customer service and they lady ask my dispute number and I tell her it then she states that ALL my disputes came back verified when several came off of my XXXX and XXXX. Then I ask her why was n't I notified about my completion and she did n't have and answer. I feel as if either I was lied to or they do n't have their business organized.
Consumer complaint received 2016-06-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I received a call when I was at work at XXXX on Monday, XXXX XXXX from XXXX. She introduced herself as a debt collector calling w/Fidelity to obtain a debt. She informed it will be recorded. She than informed me I had a bill for {$53.00} from XXXX but it has not yet been reported to the Credit Agency. I told her I am so sorry ( as I thought it was covered by my insurance ) and that I am more than happy to pay this Friday, XX/XX/XXXX and can she please send a letter and/or email confirming it will not reflect on my credit report at all. She said she does n't have any way to do that, I asked if her manager can please send me an email. She placed me on hold than placed XXXX XXXX XXXX on the phone. He was extremely rude and continued to over talk me and say no one can do this. I asked if I can possibly speak with or get contact information from his manager as I was working with a lender who informed me to do this specifically. Finally after I stated I have no problem paying I just want something affirming it will not be on my credit report and can you please give me an email or contact number for your manager. He said you can speak w/him directly and when I asked again for his direct number ( to ensure he was not a co-worker and an actual manager ) he ignored my request and transferred me to a gentlemen. I started speaking w/him and after about 10 seconds and no response from him I looked at my phone and they disconnected the call. I tried calling back twice and it just rings, no way to contact them. I still have no way of paying this as I have searched for Fidelity and there are many. Please assist as soon as possible, I am also in the process of contacting XXXX. 
Thank you!
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: CHECK INTO CASH INC. (NV)

I received a phone call from someone who refused to give his name only stating he was an investigator trying to locate me to give me documents. When I asked whose was sending him and what it was regarding he said Continental Processing at XXXX. He then began to describe the vehicle in my driveway. When I asked what that has to do with this he said because people run. He then told me I had 5 minutes to contact this company to resolve. When I called the company the same man answered the phone and transferred me to another man. This man was trying to bully me from the moment he answered telling me I had committed fraud and that I was doing illegal things. I asked him whom he was collecting for and he said I am not collecting. He stated that Check into Cash hired him to locate me because I frauded them. He said if I pay him {$600.00} they will stop. I asked what the {$600.00} was for and he said fees to locate me. I asked whom do I call to sort out the balance as these fees are more than the original debt. He said Check into Cash does n't want their money. We just want our fees. When I said this is illegal to charge in a payday loan he stated that it 's no longer a payday loan. You now owe us. I told him I would contact Check into Cash directly. Immediately the man that originally called me started blowing up my phone. I dint answer as I was on the phone with the other man. This man called me another 8 times and finally I finished my call and answered the first caller who started yelling at me said I ca n't run and that I was a thief. He said you have been notified and that I would be going to jail
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX  XX/XX/XXXX account number XXXX, XXXX XXXX XXXX  XX/XX/XXXX account number XXXX, XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ), ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-02-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ESCALLATE, LLC (SC)

I am contacting you concerning a collection account through Escallate , Inc. listed on my credit bureau reports. This account was paid on XXXX/XXXX/2016 and when I spoke with the customer service representative they stated they would deleted this trade line from all XXXX of my credit bureau reports, but yet for whatever reason it still remains even after SEVERAL attempts to dispute the information. Below is what is stated on my credit report as of XX/XX/XXXX : Escallate , LLC ; Collection Reported XXXX ; Assigned XXXX ; XXXX ; XXXX XXXX XXXX ; Amount {$830.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$830.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX : ( XXXX ) XXXX As stated as part of paying on this account I was promised this account would be taken off my credit bureau reports and I am expecting this agency as a business to do so, they put the negative information on my report, I paid the collection and they have the power to take it off.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (UT)

I withdrew my son from XXXX XXXX XXXX by writing and sent through the mail. They are claiming they never received it and are charging me 2 months of daycare that was never used. I submitted the dispute along with papers to their collection agency, Knights Adjustment bureau. I agreed I would pay the 2 week-ish that was owed to XXXX XXXX, but would not pay for the 2 months they were charging me, but they would not accept it. I have continued to dispute this on my credit reports. I have yet to receive any sign contracts or anything from them. They even have gone after my sons father for this debt and put it on his credit reports, but he never provided a SSN to them or signed anything. 
( I can supply copies of documents if needed. I 'm not at home to attach them )
Consumer complaint received 2021-07-12
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. (GA)

THIS IS MY SECOND TIME DIPSUTING THESE FRAUDULENT ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND ITS CAUSING MYSELF AND MY FAMILY HARDSHIP THAT SOMEONE WAS ALLOWED TO USE MY INFO TO OPEN THESE ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.
Consumer complaint received 2021-07-12
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)

I started disputing invalid information on my credit report on XX/XX/XXXX ; since that time, I have submitted a dispute again on XX/XX/XXXX, XX/XX/XXXX and again just on XX/XX/XXXX. Neither of these times so far, have ANY of the bureaus responded to my disputes to advise what steps their taking or that they're even taking any steps!
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XXXX XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XXXX XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, 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. (KY)

Credit agency reporting an account by XXXX XXXX for XXXX XXXX for {$810.00}. Account has been remove due but re-aged and added on XX/XX/XXXX without informing consumer. This is against best practices. Agency has been informed of account but still reporting as of XX/XX/XXXX. I ( Consumer ) request account to be removed from report as it is inaccurately being reported.
Consumer complaint received 2015-10-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

A XXXX Bank check was provided for start-up costs for XXXX. The funds were held as a balance by Chase Bankers. After four days, the {$2900.00} check sum was transferred to available balance ( ON HOLD ). On the XXXX of XXXX, the account was frozen ( ATM use, web sight transfers, and credit/debit card use ). I called the customer service Chase Bank department. The representative informed me that the check was returned by XXXX Bank as FRAUD. In stead of zeroing out the balance, stamping the check with fraud, and putting in the folder with the other XXXX fraudulent checks deposited by people, a human being at J P Morgan Chase Bank chose to attempt embezzlement of my funds : {$640.00}. They withdrew the check balance from the account. The account is still frozen. The funds for last and this month 's rent, which were from an life insurance account transfer, have been unlawfully seized!
Consumer complaint received 2016-06-23
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (PA)

i received an update on my credit report and I now have a collection reporting from a company names MIDWEST Recovery. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (LA)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2021-07-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Equifax has not resolved my disputes and it has been over 30 days. 
XXXX is showing resolved with no supporting information and they have not contacted me via Mail. 
XXXX  is a duplicate of the above issues. 

Al 3 companies have names that I have never used and addresses that I have never lived at.
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC (FL)

The company has responded to the debt verification via letter/email that I received on XX/XX/2021 but the information they sent still does not validate the debt as being mine. The email address shown on the response, XXXX, the phone number listed XXXX XXXX XXXX XXXX and the address, XXXX XXXX XXXX XXXX, XXXX XXXX have never been associated with me or anyone in my family. Ive looked up the address that was shown and it looks to belong to a XXXX XXXX. 

Please have the company do a deeper dive on the debt and remove from my credit immediately. If there are further steps to take on my side, please have it expedited as this is not my debt and is dragging my score down.