davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (FL)

Initially, I filed this report on early morning XX/XX/2023. It has been 15 calendar days without any response from this debt collector and have yet to see any sort of response from Spring Oaks Capital , LLC in response to both of my disputes/complaints filed with Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX The last contact I have ever had with this company before this ordeal was about six months ago, when after repeatedly calling this debt collector I finally had someone answer the phone. At this point, after explaining my situation as a terminally ill patient that wants to make sure that I do have my credit in order and on point in case of emergency and that I dont know who they are, but I do have a feeling that they are still trying to collect on a debt from XXXX XXXX XXXX that is associated with XXXX XXXXXXXX that was settled from years ago and was appearing to still be continuously sold around that it was fraudulent reporting they responded with tough luck if you have XXXX, you better get your debts taken care of so you dont leave them to your family and hung up. 
Over what appears to be ignoring my complaints from both federal agencies for the last 15 days, I have noticed that the derogatory marks on my credit reports have changed, in fact, multiple times. They can manage to try to hurt the individual who just wants them to leave them alone without showing the respect of a formal response to these agencies that are helpful to mediate these type of situations. They want to be as disrespectful as possible. 
I have provided photos of the changed derogatory marks provided to my credit report, while continuing to ignore providing any response.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) and pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-01-11
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. ()

unsure of dates but multiple of times i stated that this was error due to iditity theft or fraud on my account and the hard INQUIRIES are not mine.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
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I refinance my house with XXXX XXXX they paid off my loan on XXXX XXXX XXXX XXXX XXXX credited my account on XXXX XXXX XXXX XXXX XXXX reported me late for XXXX but XXXX made sure they had there check on the XXXX of XXXX I want this late payment removed from XXXX XXXX
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2023, advertising on XXXX caught my attention, offering XXXX XXXX puppies on the site https : //poeticcanecorsobreeder.com/available-puppies we always wanted to have. I communicated with the breeder by email and text and got the contract. We did some research online and found that the site is hosted in the XXXX ; the person with the name associated with the XXXX account exists in XXXX, WA, address provided in the contract is real in the XXXX country of XXXX. And we paid for the order through our bank app, XXXX payment method of $ XXXX shipment promised to be arranged for XX/XX/XXXX. On XX/XX/XXXX, we were contacted by the shipping company and asked for an additional {$1500.00}, including {$30.00} for a temperature-regulated crate rent and {$1500.00} as a refundable deposit for this crate insurance that they will refund us at XXXX airport XXXX cash. The transaction must be done on XXXX too. At this point, we suspected fraud and called the number provided by a shipping company. We contacted the seller and asked them to arrange the shipping with the legit company or refund the money. We requested a direct refund with the XXXX option from the person we paid to and got no result. On the same day, XX/XX/XXXX, we put a dispute on the transaction with our Huntington Bank, and they opened case # XXXX and promised to investigate. But in reality, no one investigated anything, and they just brushed us off. They said they closed the case because I authorized the transaction. I gave my authorization to pay for a puppy, but I never authorized the scammer to rob my account for {$850.00}. I never before even had a XXXX account. I opened this option on the Huntington Bank application on the day of this transaction. XXXX and my bank operate at the XXXX border ; therefore, they must follow the same laws and regulations, preventing fraudulent activities using our banks and financial services. They have the ability to find out who is committing these crimes and where the money they sent is. They are supposed to protect and work for customers but not cover up thieves. Could you please help me to recover the {$850.00} stolen from my bank account with no service or goods ( well, a puppy in my case ) provided? 
Sincerely, XXXX XXXX
Consumer complaint received 2018-01-15
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: EQUIFAX, INC. (PA)

There is a private student loan issued by XXXX XXXX XXXX opened in 2006 on my credit report. I tried to contact the creditor and the number is not in service and there is no other numbers. The website I used to pay for the loan does not exist anymore which was XXXX. I have disputed the matter with the credit bureaus due to the fact the account is old and does not exist anymore. Yet, it is reported that it is current and past due for more than 120 days every month in all three credit bureaus. In Pennsylvania, the statute of limitations on private students loan is 4 years and it 's have passed the 4 years.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ND)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX, I discovered that my personally identifiable information may have been disclosed without my authorization due to a data breach. On XX/XX/XXXX, I mailed a XXXX XXXX XXXX XXXX form to the XXXX XXXX XXXX XXXX  service, asking for a free copy of my credit report from Experian, if it existed. On XX/XX/XXXX, I received a response from Experian stating that they did not find a credit report because I either " did not provide sufficient identification information to verify your identity, [ I ] have not established a credit history, or the information [ I ] provided was not legible. '' The response stated that Experian was able and willing to recheck their records if I asked. 
On XX/XX/XXXX, I sent a reply to Experian asking for a reinvestigation. I included copies of the documents that Experian requested along with a letter of explanation that I desired to receive a conclusive determination for whether or not I had a credit report, and if I did, to provide me a copy of it. On XX/XX/XXXX, I  received a response from Experian which again stated that they were not able to provide me with my credit report. However, instead of clearly answering my query, Experian provided the exact same collection of possible reasons why it could not provide me with my credit report. No definitive statement was offered about whether or not a credit report in my name existed in Experian 's credit reporting database. 
On XX/XX/XXXX, I sent a second reply to Experian, again asking for a reinvestigation, and emphasizing that I desired to receive a clear and unambiguous statement that I either did or did not have a credit report within their database. I included copies of all of the requested documents Experian requested in their letter to perform their investigation. 
On XX/XX/XXXX, I received a response from Experian identical to the one I  previously identified as inadequate. In spite of my two direct and reasonable letters, Experian has failed to answer with an acceptable degree of specificity whether or not I have a credit report within their database.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (IL)

Received a call I thought was from my nephew, on Monday, XX/XX/XXXX who flew to New York for a friends wedding over the weekend.. He had a few drinks and got into an accident. No major injuries but said he did XXXX XXXX XXXX, this is why I thought he did sound a little muffled but he did still sound like my only nephew. I asked him if his wife knew. He said no and asked me not to say anything to anyone until he got home. He wanted to explain to her in person. He was just recently married. He was issued a XXXX and they would n't release him until he paid the woman he hit for her car repairs. Supposedly the wedding and accident was on Sunday and he had a flight to come home on Monday night. He said he was going to have his lawyer call me with the details of how to send {$1000.00} for the car repairs and if we could send it right away he could n't wait to come home. He sounded very scared!! I then received a call from his lawyer, XXXX XXXX who explained to us that we needed to do a wire to wire transfer from XXXX to XXXX to the state of New Jersey attention to a XXXX XXXX who was the woman 's lawyer and that it had to be cash. Never doubting this was not on the up and up, we sent the money via a debit card. A little while later, the same day, the lawyer called us again to say the woman he had hit had just come back to them to say she had ended up going to the hospital and wanted the money for that bill. We needed to send another {$1100.00}. We went back to the same XXXX but a different lady helped us and she had no problem sending them the money. We then received a call from the lawyer again telling us that the money had not gone through because XXXX should have only done one transfer per day. They were going to send us our money back but it would take about 5 days or so. He then wanted us to go to a XXXX XXXX at a XXXX to send the {$1100.00}. Of course we then suspected that we were being scammed. When we told him that we were not going to do that but that we were going to call my nephew 's wife, he hung up on me. We were finally able to reach my nephew to find out that it was not him calling us and that he was safe here in Illinois. My husband has gone to the bank, the local police and has called every government office we were told to. He found out from our bank that XXXX is not suppose to do more than one transfer for a person within one day. We are out both amounts of monies along with the XXXX fees. They really played on our emotions and it is a horrible feeling. We have the name and phone number of the lawyer and we have both of our XXXX receipts with reference codes, etc.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (FL)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, OH XXXX Account number : XXXX NAME : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX Dear Comunity XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ROBINHOOD MARKETS INC. (AZ)

I was approved for a credit card from XXXX XXXX that offers a XXXX % cash back reward. " I held a card for several months. '' I have used it to renovate my home and I have eard a lot of money in the process through rewards. Approximately {$4000.00} in rewards all of a sudden. I receive an email from them. My account got closed because they said I was using it for business but that's not true. I contacted XXXX to inquire about my status and cashback rewards but they informed me that I will not be receiving them because my account is now closed. " I want the money I earned back because I think they are scamming me. ''
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (ID)

Best buy citibank is my credit card issuer. I have had nothing but hardship from them from the beginning. I had a credit limit set at XXXX and had made a XXXX payment on the XXXX of XX/XX/XXXX to bring down my debt and so as to have it reflect on my credit report. After I made this oaynent 3 days later I get a letter stating that my credit limit has been lowered and so now my credit doesn't even reflect that I paid down my debt. That I'm not using all of my available credit, etc. Citibank sends me another over t my credif limit again today XX/XX/XXXX. This will affect my credit. When in fact I paid over my minimum payment amount yesterday citi bank holds on to my payments and then charges me late charges. Over limit charges, extra interest charges etc. They held my payments in XXXX XXXX and then stated I was late. This company is crooked.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this mor from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
+ XXXX Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
XXXX hope your legal staff will agree that noncompliance with XXXX this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX. On or about XXXX XXXX, XXXX, XXXX XXXX XXXX changed my mortgage loan from a principal to a principal and interest loan. Previous to that, for a period of approximately 10 years, XXXX had automatic right withdrawals to my account. 

When the nature of the loan changed, XXXX stopped the withdrawals from my bank account. XXXX claimed it sent me mail notices, but conceded it was sent to the wrong address. I had never, ever been late on a mortgage payment with them, or any other bank. 

By the time I found out about the mistake, around XXXX XXXX, XXXX had filed a complaint and badly hurt my credit. 

I hired an attorney to handle the matter, who sent them letters on XXXX XXXX and XXXX XXXX. XXXX never even bothered to respond to either inquiry. 

I would like XXXX to remedy this wrong and withdraw their falsely alleged complaint to the Credit Bureau.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

on the XX/XX/XXXX, XXXX was paid out of my account to the account to Coinbase exchange. 
These international payments can take up to 3 days but it has now been 9 for me so I can only assume it has been lost. 
Previously Coinbase had a section by which a complaint could be lodged, now unfortunately clicking on any link/page of this nature reroutes you to the starting page or their automated bot only. 

The payment made to coinbase : the euro equivalent of XXXX GBP on XX/XX/XXXX Reference Number XXXX Recipient 's IBAN XXXX Recipient Name Coinbase XXXX, XXXX. 
Bank Country XXXX Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX, XXXX XXXX, XXXX Recipient Address XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX Paid from my account : XXXX XXXX XXXX XXXX XXXX SORT CODE : XXXX ACCOUNT NUMBER : XXXX IBAN : XXXX BIC : XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original

creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors. I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LEXISNEXIS (MA)

In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXXXXXX XXXX XXXX XXXXermore , both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions.

Inquiries that I have not authorized also have affected my credit standing and never get a response form the agency mentioned on this complaint Im tired of run a rounds please help
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I was part of the Equifax credit information hack.It is not acceptable whatsoever to have me PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place.