davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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)

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to XXXX days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked Equifax on XXXX occasions to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I advised that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Equifax did not complete an investigation, nor had communications of results or said investigations. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

I moved out of an apartment building in XXXX of 2021. My last communication with them was an inquiry about when I will find out if there are damages to the apartment that I am responsible for. I never heard from them again. I still to this day have received XXXX contact or notice of a debt. The only reason I know about it is because it showed up on my credit report that I was sent to collections. No one has contacted me, prior to getting sent to collections or after.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MO)

The card is listed as FEB DESTINY. the card was opened within XX/XX/year> and XX/XX/year> I filed a fraud complaint. 
This is a predatory card. XXXX dollar limit, XXXX dollar annual fee. so as soon as you get this card people would be at 25 % usage. I would never ever use a card like that.
Consumer complaint received 2024-06-12
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: Spring Oaks Capital, LLC (TX)

This is in response to complaint XXXX. Your company falsified the balance reporting on my credit report, and I have proof of documentation from the original creditor. Your agency claim that I owe an alleged debt of {$1100.00} which is not true. Not only do I not owe your company anything, but the original creditor also confirmed that the balance being reported is not owed to them. The correct balance is {$1000.00} and have since been entered into a payment plan with the original creditor. I have attached the documents from the original creditor and the XXXX XXXX  XXXX XXXX for the violations your company has committed. You are to remove this account and remit payment to the address on the invoice within 10 business days. I have no idea why you thought that you would get away with adding fees on top of a balance that is not owed to your company. I am keeping a clear paper trial and will be sure to follow through with litigation due to your false reporting and negligence.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request a reinvestigation. Reinvestigate this account : Account name : XXXX XXXX ACCOUNT # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency.

I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly. Please provide all documentation that I signed stating lawfully that this would affect my credit or hinder me from obtaining any credit.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (TN)

On XX/XX/year>, I settled a debt with LVNV. As agreed upon and per their policy on their website, the account was to be deleted from all credit reporting agencies. The account was indeed deleted ; however, as of XX/XX/year>, LVNV reported the debt again. It is currently showing on XXXX as a collection account. 

By reporting this debt after it was settled and agreed to be deleted, LVNV may be violating the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of credit information. Under the FCRA, reporting incorrect or outdated information can lead to legal consequences. Additionally, LVNV 's actions might constitute a breach of contract, given their initial agreement to delete the account after settlement.
Consumer complaint received 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

I have XXXX fraudulent accounts with XXXX XXXX one with a total of {$570.00} and another with a total of {$590.00} Dates opened on XXXX XXXX, 2023 and XXXX XXXX, 2024 and they are both having negative affects on my credit report
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OPORTUN FINANCIAL CORPORATION (TX)

I filed bankruptcy on XX/XX/XXXX. XXXX XXXX continues to report to the credit bureau a balance owed of {$6300.00}. I start to request back in XX/XX/XXXX for them to send proof/documentation that what theyre claiming they were not included in bankruptcy be verified. My bankruptcy attorney sent them a letter to cease and desist in XXXX of XXXX. They continue to report to all credit agencies.
Consumer complaint received 2023-07-04
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: CL Holdings LLC (MO)

XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between Jefferson Capital Systems and XXXXXXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

I had a credit card bill dated XX/XX/year> with a balance of XXXX which was due by XX/XX/year> and a statement closing date of XX/XX/year>. A payment of {$1500.00} was submitted on XX/XX/year>. Various credits for return products totaling XXXX between XXXX and XX/XX/year>. Lastly the payment of XXXX on XX/XX/year>. 

The last payment of XXXX was after the due date yes. All my other credit cards would charge a late payment fee but no interest because it was still within the statement period. When I look at my statement closing XX/XX/year>, the interest was charged not on the XXXX original balance, not the XXXX of a balance after my payment on XXXX, not the balance of XXXX which is net of the returned items, but rather on XXXX. So they charged XXXX in interest and after communication with their customer service group was to expect more interest to be charged for the next month statement. So as it currently stands, ( XXXX XXXX unpaid balance ) XXXX days late X 365 days = 754.68 % interest rate. That's before they charge some other arbitrary interest charge for the next month.
Consumer complaint received 2024-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Bureaus, Inc. (IL)

I have contacted this debt collector The XXXX XXXX and spoke to them that I'm making payments online to their site online, I told them I will be making a payment of whatever I can afford at this. Time. 

I have called them back several times telling them to Stop sending me letters in the mail Concerning the amount I owe, and I told them I'm making the payments online and they know because I have email reciepts from the payments. And yet they still continue harassing me with letters about amount due. I'm very sick with XXXX and othe serious health issues. I told them send emails only. And I told them to stop texting me at my XXXX XXXX cell phone and they still continuing doing this They need to stop contacting me by m # ail and phone Now. this is hassment the account # XXXX And PLEASE for you getting back with me ONLY Send emails no letters in mail concerning this complaint. XXXX XXXX
Consumer complaint received 2018-04-30
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: AMERICAN EXPRESS COMPANY (CA)

DEMAND For Deletion OF LISTED ITEMS/Per XXXX Privacy Act Also see ; XXXX XXXX XXXX XXXX 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role... 
Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file.

Per the FCRA, I am entitled to have a fair and accurate credit report. 
XXXX PRIVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,. 
15 US code 1681 604 A Consumer Reporting Agency can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company. 
A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer. 
This shall be done 30 days before, or after furnishing of any such negative information. 
Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY. 
Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal XXXX, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see U.S. v XXXX 487 U.S. 931 ( XXXX ). 
Furthermore any continued reporting would be another violation, 15 US code & 1681n, knowingly, reporting. 
For this reason, please request deletion of any and all negative reporting within the next XXXX business days. 

For the following accounts. 
American Express Account # XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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: OneMain Finance Corporation (TX)

Notified by XXXX XXXX XXXX of unauthorised hard inquiry to XXXX credit bureau by ONEMAIN corp in Indiana on XX/XX/24. I have contacted XXXX and informed them the inquiry was fraudulent. I have frozen my accounts at all three credit bureaus '. The company ONEMAIN can not be contacted unless one has an account with them.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

On XX/XX/year>, I received an email stating that my paypal account was charged about {$600.00} from XXXX. This was not me, and it was unauthorized transaction. 
I know the company, but I have NOT used them for a long time. 
I informed Paypal that the transaction was unauthorized, and I also mentioned that my account at XXXX or Paypal might have been hacked/compromised, and the company ( XXXX ) might have the access to my paypal account as it could be linked as payment method on my account at XXXX. 
However, Paypal did NOT provide me any evidence or information regarding how this could have happened, and simply automatically refused to cancel the transaction, and called it " Not Unauthorized '' in under 24 hours. 
I believe their automated system simply refused my dispute request on the unauthorized transaction.. which is very disappointing. 
I really wished if Paypal actually looked into this issue, even review IP address at least, and find out that it wasn't me. I even changed password/email of my paypal account to prevent further damage.
Consumer complaint received 2024-06-12
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: Chime Financial Inc (CA)

On XX/XX/XXXX chime open a credit builder account and begin reporting to all 3 credit bureau. I was also able to connect XXXX XXXX XXXX within the chime app. 

Around mid XX/XX/XXXXXXXX XXXX XXXX XXXX  was disconnected from chime and I was never able to reconnect it, then Chime credit reporting was removed from XXXX. That resulted in my credit score taking a nose dive back to XXXX XXXX I have been trying for months to resolve this manner and both parties Chime and XXXX are pointing fingers. When I call chime they say that they are accurately reporting to all 3 bureaus and I can say that XXXX and XXXX is still being reported not XXXX. 

The failure of XXXX  to try to resolve this manner and I dont know what else to do. I am a XXXX  mom who is experiencing homelessness with a child that is XXXX  and many the rental use XXXX to run their reports. 

I have contacted XXXX  on XXXX, XXXX, XX/XX/XXXX, XXXX to come to a resolution and so far nothing. I was giving a case # XXXX. 
I dont know what to do when both parties chime and XXXX  feels its not their issue and I am stuck in the middle trying to resolve the issue and cant seem to do so because merit parties want to accept responsibility and resolve the manner. 

Chime saying they ate reporting and XXXX says they are not reporting and when I asked them how is it that I saw it on my report and then its not on their. My only mistake was not capturing a screenshot of it. 

I have attached screenshots of what my XXXX score looked like when XXXX was reporting and what it looks like since chime builder been removed.
Consumer complaint received 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I have not had an account with XXXX XXXX for a few years, but my husband does still have an account. I suddenly received a notice from a debt collection agency, Jefferson Capital Systems, saying that XXXX turned over a debt of {$3900.00}. 
We have never had debt with XXXX or any other company that was unpaid. We still have accounts with XXXX, in good standing. 
I believe this is fraud. XXXX has no record of any debt. I would appreciate assistance in having this company cease and desist, I believe it to be unscrupulous. And harassment.
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (FL)

Since the beginning of this year 2023, I have been challenging this credit bureau in writing about information I found on my report that is incorrect, and others outdated. 

And every month, they have been mailing me back a letter stating they would not look into the matter because 'they believe someone else is requesting the correction and that they need proof it's me requesting it '. 

So I'll send the requested information, and my identification AGAIN, just to get the same response letter, AGAIN. We've been doing this same song and dance for 4 months now, and they still don't want to do anything that I know I'm protected by law they are obligated to do. 

This leaves me very skeptical as to why they wouldn't want to remove the incorrect information from my record, let alone the outdated one 's. 

I seek assistance from the CFPB to compel this credit bureau to do what they are required by law to do, since they don't want to solve this with me.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (OH)

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!! Ism a victim of identity theft and Ive sent police reports and ftc reports, however this company has failed to remove this item from my credit profile and continues reporting inaccurate information.
Consumer complaint received 2024-06-15
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)

I am filing a complaint against XXXX regarding a payment issue that occurred recently. I made a payment to XXXX. Despite my timely payment, XXXX encountered a technical error that resulted in my payment not being properly processed on their end.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

Chase had frozen my account 3 months ago due to me being paid by someone who used a fraudulent check to pay me 3 months later my account had been closed and Chase is required to send me the fund that were in the account at the time of closing the account which was {$3200.00}
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX