davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (FL)

On XX/XX/year> someone from XXXX XXXX accused my Credit Karma banking account and took {$1500.00} with a {$300.00} cash back from a XXXX XXXX XXXXXXXX They also made another purchase of {$30.00} at the same store. # XXXX I called Credit Karma and asked them how someone gained access to my account and said that someone changed the phone number associated with my account. I said I never got an alert of this and they didn't know what to tell me. I spoke to various people and no one was able to help. On XX/XX/year> I called back and spoke to XXXX in the dispute department and she said I was eligible for a " credit '' of the amounts taken. That is MY money and it should of never been stolen. They said they had no idea how that happened. My information on Credit Karma was leaked and I am left with {$0.00} as a mom of XXXX. XXXX said in about XXXX  days I will have my " credit '' but that does not help. Credit Karma has no respect to protect the consumer information. Someone was able to call them and act like me and change personal information. I am very disappointed in how I was treated over the phone when asking what happened and that I desperately needed all my money back. I have to pay rent on XX/XX/year> and now I won't be able too. Once I do get the " credit '' I will be no longer using Credit Karma for anything. I am going to a more well known bank. This was a lack of security from Credit Karma when I trusted them with my hard work money.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to formally dispute the inclusion of a fraudulent account on my credit report. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following information.

This account was opened fraudulently and does not belong to me. I have not authorized this account, nor have I ever had any dealings with this creditor. To support my claim, I have enclosed a copy of an Identity Theft Report that I filed with the Federal Trade Commission ( FTC ) [ or a police report ], which verifies that I am a victim of identity theft.

Under Section 605B of the FCRA, you are required to block the reporting of this fraudulent information from my credit file within four business days of receiving this notice. I expect you to fulfill this legal obligation promptly and to notify me once the account has been removed.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report immediately.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I appreciate your time to REMOVE some of the items in my file that resulted from an incorrect credit report information but I still have ITEMS left that needed to be removed. I was going through my records & noticed items which do not belong to me were still in my credit report. Under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to mistaken credit reporting. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance to the fair consumer credit act the list of accounts have violated my of privacy and confidentiality 15 usc 1681 XXXX Report number XXXX XXXX I have the reach out to XXXX XXXX and I have debt consolidation team working with them but they are reporting late payments on my credit report if my mind serves me correctly XXXX XXXX account number is XXXX the account number XXXX XXXX  account XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681s 2 a 1 15 usc 1681c a5
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-17
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: FAIR COLLECTIONS & OUTSOURCING, INC. (OH)

FCO ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2019 Balance {$2500.00} I dont believe that this reporting is correct. I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation?
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

On or about XXXX XXXX I attempted to add my Citi credit card to XXXX XXXX. That prompted me to call and verify my identity with Citi and Citi began suggesting I open a banking account in order to verify identity because their other limited means of verifying identity would not work because if I had another account with them, they would be able to verify my identity. They further insist on sending a letter that will somehow verify my identity but because we are a military family, we have recently moved and this letter may reach us at some point in the next month, if at all. After repeated calls an assurances of no fraud, Citi continues to insist their is fraud on our accounts and will not allow us full access to our accounts and refuses to provide copies of their policies restricting identification and refuses to provide a summary of our customer service interactions which would reflect multiple resolutions of this problem, yet continued restrictions.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

I was in the hospital last year for XXXX month dealing with XXXX XXXX issues. I let XXXX know I was in the hospital. I told them several times. They called everyday. Obviously cause I was late. I told them I didnt know how long I was gon na be in the hospital. Im a veteran so I going through a XXXX program. Near the end of my program they sent me deferment contract to defer the XXXX months. I was late on. I missed XXXX, XXXX, XXXX. So a deferment pushs those payments to the end of my loan. I signed the deferment contract on XX/XX/18 after I signed they hit my credit report with two XXXX  day late payments. For the months that I deferred. Now how can that be if I deferred the payments to end of my loan. You can be late on something you dont have a payment for. Their policy with XXXX is XXXX  your late. I was able to get the one removed. But they will not remove the one for XXXX. Tell me how Im XXXX late on a deferment contract. For payments that were moved to the end of my loan. Even if I was XXXX  days late for XXXX. My payments are due on the XXXX of every month. So signing the contract on the XXXX of may would still not make me late. They refuse to do anything about. I reported it to the XXXX. They said they cant do anything. This is a legal binding document. On top I am being charged over XXXX  % APR the state max is XXXX  %.
Consumer complaint received 2024-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

Dear First Credit Services ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question. 
You have violated my rights under the following sections of the FDCPA : XXXX. XXXX : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action. 
XXXX. XXXX : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * XXXX ( XXXX ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter. 
* XXXX ( XXXX ) : Threatening to take legal action that can not legally be taken or is not intended to be taken. 
XXXX. XXXX ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter. 
XXXX. XXXX : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.
Consumer complaint received 2024-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (IL)

It is evident to all concerned that this debt is not my obligation and, at no point in time, has it been. Despite this, Spring oaks Capital has refused to remove the incorrect information after warned numerous times.

I have repeatedly contacted Spring oaks Capital, pleading for resolution. Additionally, I have requested essential documents such as personal agreements or contracts that would substantiate their claim. However, they have failed to provide any such documentation and this is against the law. 

Given the repeated refusals to address my concerns and provide the necessary information, I am seeking your assistance in resolving this matter. Your help in removing the erroneous information from my credit file would be greatly appreciated.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep concern and frustration regarding the continued presence of fraudulent items on my credit report despite numerous previous attempts to have them removed. These fraudulent entries are severely impacting my creditworthiness, and I urgently request your intervention to address this persistent issue. 

This account was opened fraudulently and is not connected to me in any way. I have reported the identity theft and fraudulent activity related to this account multiple times. The debt is not mine, and I have provided supporting documentation, such as police reports, to substantiate these claims. 


I have reported this fraudulent activity to law enforcement, and it is not my debt. I have provided evidence to support these claims in previous disputes. 

This collection account is a result of fraudulent charges and has no connection to my financial history. I have diligently reported this to the proper authorities and the creditor. Supporting documentation, including police reports and incident reports, has been provided. 

It is disheartening to note that despite my previous disputes and the evidence provided, these fraudulent entries remain on my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies take immediate action to investigate and remove inaccuracies in credit reports. 

I respectfully request that you re-evaluate my past disputes and expedite the process to remove these fraudulent items from my credit file. I expect that you will keep me informed of the progress and provide me with a copy of my updated credit report once these inaccuracies are rectified. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX CO XX/XX/2023 XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Hi my name is XXXX XXXX. I am filing this form out today because i have recently found out that i have been an victim of identity theft, Ive recently found out through a credit report that someone has been using my identity fraudulently opening accounts fraudulently. I ran my credit report again and found out that the problem is because my identity has been compromised in the dark web due to a breach that occurred with XXXX. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S CODE 1681B
Consumer complaint received 2024-07-04
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (OR)

After trying to use my US Bank ReliaCard at XXXX different ATMs including a US Bank ATM, I called the number on the back of the card. The first gentleman I spoke to said something about my card being locked for fraud protection. I did not understand him because of the language barrier and it was important for me to understand so I asked to be transferred to supervisor. The supervisor said my card was locked because of fraud protection and that I needed to go through the ID verification process in order to access my funds. She said I had to upload my identification and pictures of myself and it would take XXXX to XXXX business days or I could mail it in and it would take XXXX to XXXX business days after they received the information. I told her that I did not have access to the internet and I needed my money immediately. She said that was no other way so when I asked to be transferred to her supervisor she said she didn't have a supervisor, when I asked to be transferred to the corporate office or information for the corporate office she said that there was no corporate office. I asked to be transferred to a department that handles those affairs maybe they could give me a zoom call or something if I could find a public library and she said no. I told my daughter to start recording the conversation because it was so insane to me that they were holding my money without giving me viable options to get it back. My XXXX daughters and I have recently left a bad situation and are living in my car with little dogs. I had just put my laundry in the washing machine knowing that I could go to the ATM and get money for more quarters to finish the laundry. US Bank ReliaCard holding my money has put us in a potentially dangerous situation. We have no access to water or restrooms, we have no gas to go anywhere, I have no air conditioning in my car with a dangerous heat wave warning for the next few days. My phone service isn't very reliable here with no access to the internet. Today is the XXXX of XXXX so most agencies that might help us are unavailable. We are sitting in a park with no idea where we're going to eat what we're going to do or how we're going to be okay all because US Bank Reliacard decided to hold my money. I did find Wi-Fi to upload the information they needed and file this complaint but it still takes XXXX to XXXX business days to get my money, my money. It's not just a matter of laundry or the XXXX XXXX treatment we needed, or the fireworks I promised anymore, now it's a matter of life and safety. We are stranded in a dangerous heat wave.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

there's a job listed on my report and i'm no longer affiliated with that company. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX the spelling of my name is incorrect the correct spelling of my name is XXXX XXXX XXXX incorrect spelling : XXXX XXXX incorrect spelling : XXXX, XXXX, XXXX incorrect spelling : XXXXXXXX XXXX