davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove the following XXXX inquires I have been a victim of identity theft. 

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 2024-05-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AK)

I have been in contact with Marcus Goldman Sachs since XX/XX/2024 - today XX/XX/2024 regarding getting my account unlocked ( which they just locked out of the blue one day for unknown reasons ). I have called at least four times each month and they keep telling me they will send me an Affidavit of Identity for me to fill out, get notarized and send back to remedy the problem, yet as of this date still haven't sent it. They also keep saying they will call me back to help me with this issue and haven't done that either. I am unable to access my money in order to pay my bills and it has put me in a very bad position.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (VA)

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - " Permissible purposes of consumer reports, '' it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 
I urgently request that XXXX conducts a thorough investigation into this matter to address the FCRA violations promptly. As a consumer, I am well-versed in my rights under the FCRA, and I trust that XXXX will take the necessary measures to rectify this situation in compliance with the law.I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau , the Attorney Generals Office , the XXXX XXXX XXXX , and the Federal Trade Commission XXXX This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (TX)

This is in response to complaint XXXX. In your letter which I will attach, you stated that you submitted a request change XX/XX/2023, yet XXXX, XXXX, and XXXX are still reporting inconsistent information. How is this not a violation of the FCRA that XXXX shows that this account was paid off while XXXX reports XXXX late payments, and XXXX report XXXX late payments? The evidence will show that Covington Credit conducted gross misconduct, negligence, fraudulent and incorrect reporting. This complaint alone is more than enough proof to sue your company. Please reference my other XXXX complaints in which I am keeping a paper trail and remove this incorrect account XXXX. This complaint is my final communication regarding your claim that the account mentioned is being reported accurately. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for mental anguish. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. The following account is to be removed from my credit report within 14 days due to false and misleading information : COVINGTON CREDIT XXXX
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I placed an order from XXXX for the amount of XXXX on XX/XX/year>. 
My order was for XXXX XXXX  gift cards, sent via email. However, once I received the email for the gift cards, the links provided in said email led to an error page. All three links for all three gift cards I received via email led to an error page. I tried to reach out to the merchant XXXX  times via phone call, however, I was getting stuck on a loop of an automated response and could not reach any human support. 

I sent CapitalOne disputes screenshots of the invalid page the link is sending me too, including a detailed letter of the steps I have taken to resolve the issue with the merchant. However, CapitalOne still states there is insufficient information to proceed with my case and the case has been closed due to insufficient information. I have submitted screenshots and a detailed explanation of the scenario, how is there not enough evidence for my dispute to continue?
Consumer complaint received 2023-04-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (DC)

some unknown person open a auto loan in my name I reached out to said collection company / creditor to make them aware of the identity theft, this item has still not been removed from my credit file I also sent supporting documentation regarding the fraudulent account that was established in my name, without my permission
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

There were multiple ( XXXX ) fraudulent charges on my debit card on XXXX XXXX, 2023 from a company in XXXX XXXX I've never heard of. I called Chase to put in a claim and they accepted it and reimbursed me for the charges, as well as removed them from my account. The woman on the phone recommended that I keep the card information on my phone so I would be able to use my new card in my apple wallet before it arrived in the mail. Well, the updated card information in my apple wallet went right to the vendor and on XXXX XXXX, 2023, before I had received my new debit card in the mail, I received another XXXX fraudulent charges from the same company for {$550.00}. I put in another claim with Chase Bank but this time they said they weren't able to find anything different about my account and that they were to assume I made the purchases.
Consumer complaint received 2024-01-03
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: Bread Financial Holdings, Inc. (CA)

Zales reported my account 30 days past due for the XX/XX/2023 payment. I made the XX/XX/2023 payment on XX/XX/2023. I have never made a payment more than 30 days past due and this should have been reported. They explained to me that once my payment due on XX/XX/XXXX wasnt paid on the actual due date, they generated a new statement on XX/XX/XXXX saying basically XXXX payments were due on XX/XX/XXXX. Well, I made the XXXX payment on XX/XX/XXXX so while there statement did call for XXXX payments on XX/XX/XXXX, I made the one that was currently due ( XX/XX/XXXX ) and paid it on XX/XX/XXXX. That was only 9 days past the due date and was not more than 30 days late. I have attached proof of my payments to reflect that I have never paid any payment more than 30 days late.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MD)

I don't recall having a contractual relationship with this collection company SPRING OAKS CAPITAL LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Delete this Collection Account from my credit report.
Consumer complaint received 2024-01-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MD)

Over 10 years ago I was in a dispute with XXXX XXXX and settled a debt with them for less than they said I owed. They then sold the remainder of the " debt '' to one debt collector after another to this day. To the first debt collector I sent proof I had paid the but, since it was not the amount XXXX said I owed, they would not take it off my credit report. It has then be passed from debt collector to debt collector for years. 

Recently it showed up on my credit report again from Jefferson Capital. I told the company that it was paid and that the debt was well over 7 years old. They reported it to the Credit Reporting agencies as a debt incurred in 2021 even though it is much older. 

I wrote to all XXXX major Credit Agencies, telling them it was over 7 years old and had been paid in a settlement, but Jefferson Capital continues to report to them that the debt is from 2021 and refused to remove it.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

In XX/XX/XXXX, I disputed fradulent charges by XXXX on my credit account that occured in XXXX. These charges were fradulent because I did not receive the services for which the charges were for. There were two fradulent charges for the same exact reservation for {$1200.00} and {$1000.00}. 

As of today, XX/XX/XXXX my billing dispute is still not resolved after countless calls, emails back and forth, collecting of evidence, and more. 

Furthermore, I recently called Citibank this week and they told me it is too far past the date of the transaction to continue the dispute, when it has been actively been disputed since XXXX. Every request for information or evidence from Citibank, I have responded to. 

It is absolutely ridiculous for a dispute process to not be resolved after almost XXXX  months from the transaction date. As a consumer, I did everything in my power to ensure this process went as smoothly as possible. Citi Bank has totally failed me as a customer, and made me lose trust in them, as they did not appropriately protect me from fraud.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (WA)

Company : IQ DATA INTERNATIONAL is reporting a collection in the amount of {$5600.00} reported on XXXX.I never signed a contractual agreement nor did I open this account. I filed police report as identity theft. ( see attached )
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: RS Clark and Associates, Inc. (NC)

XXXX XXXX XXXX XXXXXXXX, Date opened : XX/XX/2023, Amount : {$1500.00}, I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Consumer complaint received 2023-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (FL)

I am disputing a credit report entry due to potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The debt was reported during my XXXX XXXX service. On XX/XX/XXXX, I disputed the debt and requested validation. Despite unresolved disputes, in XX/XX/XXXX, the debt was reported without notification. Follow-up requests and concerns about FCRA violations were made in XX/XX/XXXX, which were ignored. Legal violations include FCRA accuracy breach, FDCPA notification failure, XXXX XXXX rights neglect, inappropriate debt nature, and FCRA data integrity non-compliance. I request the immediate correction of this entry from my credit report due to its unjust impact on my credit rating. Prompt resolution within the FCRA 's 30-day period is essential.
Consumer complaint received 2022-10-27
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, OR NEAR XX/XX/XXXX, I WAS NOTIFY BY MY THE CREDIT REPORTING AGENCY THAT SOMENE WAS USING MY IDENITY FRAUDULENTLY .WHILE ON XXXX SOMEONE WAS GETTING UNEMPLOYMENT IN MY NAME ALL MY INFORMATION WAS COMPROMISED. I IMMEDIATLY CONTACTED EDD UNEMPLOYMENT OFFICE I STATED THAT MY ADDRESS NAME SS WAS BEING USED FRAUDULENTLY AND MY ISSUED XXXX BENEFIT CARD FROM BANK OF AMERICA WAS NOT WORKING / I CONTINUED TO WARN AND NOTIFY BOTH BANK OF AMERICA AND EDD XXXX MY INFO HAD BEEN COMPROMISED STOLEN, WHICH TAKE 60 DAYS FOR ANY ONE TO RESPOND. I WAS TOLD TO SENT ALL MY INFO IN TO VERIFY MY IDENITY WHICH I DID TO ALL AGENCIES INCLUDING SOCIAL SECURITY OFFICE .WITH NO RESPOND ON STATUS AFTER CALLING ALL THE AGENIES FOR 7 MONTHS STRAIGHT, WHICH I WAS TOLD SUPERVISOR WOULD CALL ME BACK WITHIN 48 HRS WHICH IT NEVER HAPPEN. ON OR NEAR XX/XX/XXXX I CALLED EDD UNEMPLOYMENT MY NAME WAS CLEARED BANK OF AMERICA WAS NOTIFY TO RELEASE THE HOLD ON MY BENEFIT CARD AND REPENISH ALL THE FRAUDULENT ACTIVITY BANK OF AMERICA HAS NOT FOLLOWED THE GUIDELINE AND STILL HASNT UNFROZEN NT BENEFIT OR NOR RELEASE MY MONEY I NEED HELP
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (VA)

You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ) According to FCRA 15 U.S. Code 1681s-2 ( 3 ), if a consumer disputes the accuracy or completeness of any data that an entity provides to a consumer reporting agency, that entity must not continue to provide that specific information to the agency without indicating that it is a point of contention with the consumer. In other words, the agency must be alerted that the particular piece of information has been challenged by the consumer and is currently under dispute. Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items and gave you more than enough time as specified in the letters and you havent notated it as disputed. You have basically disregarded my written instruction, federal laws enacted by congress, and rights that I am entitled to. Not to mention more laws that you have not followed under this same section ... According to 15 U.S.C. 1681s-2 ( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS - A person shall not furnish information relating to a consumer TO ANY CREDIT REPORTING AGENCY IF ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (FL)

I am writing to file a formal complaint against LexisNexis regarding their failure to respond to a dispute I submitted, as per the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). On XX/XX/2023, I sent a dispute letter to LexisNexis, challenging the accuracy of certain personal information and disputing the Bankruptcy Filing Number : XXXX, as it is inaccurately reported on my credit report. Despite the submission of this dispute, I have not received any response from LexisNexis. The lack of communication and failure to address my concerns is unacceptable.
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

In XX/XX/, my identity was used to open a credit card with XXXX XXXX XXXX  XXXX. The thief then charged approximately {$1000.00} to the account. I opened a fraud investigation with XXXX and it was found that the account fraudulent. The account has been removed from my credit history. Even though XXXX has confirmed the account was fraudulent and has closed the account, the debt was still somehow sold to Midland Credit Management, who is now attempting to collect on the debt. They are trying to collect on a debt that does not belong to me.
Consumer complaint received 2023-09-06
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: Upstart Holdings, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

XXXX BANK WRONG SSN SHOWN ON MY REPORT - REMOVE IMMEDIATELY XXXX XXXXXXXX XXXX - INCORRECT ACCOUNT DETAILS-REMOVE IMMEDIATELY