davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (TN)

Dispute Regarding Account Handling I am respectfully contest the assertion made in my complaint regarding the handling of my account by your company. As previously communicated, I responded to the matter by mail, enclosing supporting documentation, on XX/XX/2023. Please find attached the relevant documents for your review. 
The crux of my concern lies in the imposition of a {$300.00} credit limit charge on an outstanding balance exceeding {$800.00}. This discrepancy, coupled with the unfortunate escalation of the account in collections, occurred despite my proactive communication regarding my inability to fulfill the payment obligations. I had notified the creditor of this predicament, attributing it to the unavailability of internet or phone services during my deployment overseas.

Furthermore, it is essential to highlight the company 's non-compliance with the Servicemembers Civil Relief Act, which mandates a reduction in interest rates to 6 % for individuals serving in the military. Regrettably, this provision was not adhered to in my case. 

In light of these concerns, I kindly request a thorough investigation into the handling of my account and a reconsideration of the charges and actions taken. I trust that your company values its commitment to fair and equitable treatment of customers, especially those who serve in the armed forces. 
Thank you for your attention to this matter. I look forward to a prompt resolution and am available to provide any further clarification or documentation as necessary.
Consumer complaint received 2024-07-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Red River Credit Corporation (OK)

Committed to make a payment on the next pay period ; but in the interim the company contacts me everyday. In addition, the company representative has asked me to come into the office ; but I asked where does my contract require an office visit. 

I continue to receive repetitious harassing/annoying phone calls start at XXXXXXXX XXXX  and throughout the day using various phone numbers.
Consumer complaint received 2023-11-27
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. (CA)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MiraMed Revenue Group LLC (OH)

I had XXXX XX/XX/XXXX and XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXX. I am a self pay XXXX. I was required to pay the facility charge as well as the XXXX bill up front prior to treatment. XX/XX/XXXX, I paid XXXX {$1500.00} for the XXXX XXXX, and {$1000.00} XX/XX/XXXX for the XXXX XXXX. I received a statement in XX/XX/XXXX for a bill for XXXX XXXX saying I owed {$1100.00} for the XXXX XXXX XXXX. I called XX/XX/XXXX to tell them this bill was prepaid and they needed to call XXXX for the money. I also called XXXX and was told I had a XXXX balance and do not worry about the statement. I received another statement dated XX/XX/XXXX for the same bill in early XXXX. I sent a letter to XXXX along with a copy of the payment to XXXX as proof and asked them to correct their records. I started to receive calls from MiraMed who I have no knowledge of and believed it was a scam. I have no past due XXXX bills. XX/XX/XXXX I received a call from XXXX. Message said I have a past due bill and call with a CC # to pay or ignore if I paid. I ignored as I had paid. XX/XX/XXXX, XXXX, XX/XX/XXXX, MiraMed left messages again. I called XXXX at XXXX and left a message saying I was tired of being harassed about a bill that was paid LONG ago. Today, I received a letter from MiraMed who is a Debt Collector trying to collect {$1100.00} for XXXX XXXX and {$1600.00} for XXXX XXXX. I was told by XXXX XXXX of XXXX on XX/XX/XXXX when I was called, that the bills were paid and I would be sent a paid in full receipt by Monday XX/XX/XXXX as their system IT was not functioning. I sent her an email today stating I had not received as promised. How do I get them off my back and out of a debt collector???
Consumer complaint received 2023-11-27
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. (FL)

I have been disputing these accounts for over a year now. These aren't my accounts someone took my information when I was locked up and use it. 
XXXX XXXX {$24000.00} XXXX XXXX Bank {$760.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX {$380.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX  {$0.00} XXXX XXXX {$9200.00} All the accounts that's listed are not my accounts.
Consumer complaint received 2023-11-26
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. (GA)

The Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent, these accounts has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I have recently reviewed my credit report and discovered the presence of variations of my name that are incorrect and potentially damaging to my creditworthiness. The inaccurate variations include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that you rectify this situation promptly by removing any names on my credit report that deviate from my full and legal name, XXXX XXXX XXXX. Failure to do so not only constitutes a violation of the FCRA but also exposes Experian to potential legal action. 

The FCRA, under Section 1681s-2 ( a ) ( 1 ) ( A ), requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. The inclusion of incorrect variations of my name is a clear violation of this provision!

I am requesting the following actions : Immediate removal of all incorrect variations of my name from my credit report mentioned above. 
Confirmation, in writing, that my credit report now accurately reflects only my full and legal name, XXXX XXXX XXXX. 

A free copy of my updated credit report sent to my address once the corrections have been made. 

Please be advised that if these corrections are not made within 30 days from the date of this letter, I reserve the right to pursue legal action for violations of the FCRA. This may include seeking damages for any harm caused to my creditworthiness as a result of the inaccurate information. 

I expect your prompt attention to this matter and appreciate your cooperation in resolving this issue. You can contact by mail at XXXX XXXX XXXX XXXX XXXX MO XXXX to communicate any updates or to request further information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION (GA)

On XXXX XXXX i called vystar Credit union member service dept to send me a new debit card. agent XXXX ordered new debit card i was told in 10 business days. i waited 10 business days.the card never arrived i called the same member services phone number on XX/XX/XXXX i talked to agent XXXX cancelled the order for the card that never XXXX ordered new debit card.i was told 10business days.i waited again.today is XX/XX/XXXX the card still has not arrived. im requesting that the card be sent via XXXX
Consumer complaint received 2023-11-27
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 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 XX/XX/XXXX
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have been a XXXX XXXX customer since and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. XXXX XXXX is the first company that was willing to extend credit to me. 

I am writing to humbly request that you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have late payments with XXXX XXXX. since then i have not had a single missed payment
Consumer complaint received 2023-11-26
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. (TX)

I have been disputing these accounts for over a year now. Each one of these accounts do not belong to me. Someone took my information and opened up these accounts without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the accounts listed are not my accounts. I have been disputing these accounts for over a year and never got verification.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

Please see the attachments from the company : the company identified on or before XX/XX/2024 that its website causes problems with overcharging the company 's consumer credit card. ( attachment AA XXXX ) Since then, I have been asking the company to fix the overcharge problem, and provide direct contact information to correct the overcharge problem. 

For 2 months, the company routes me to international call centers, with confusing disclosures or to representatives who don't know how to fix the overcharge problem. For example, please see the confusing, non-sensical disclosure from the company on XX/XX/2024. ( attachment AA XXXX )
Consumer complaint received 2023-11-26
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. (NJ)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I have proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing to help me with the removal of these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
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. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2023-11-27
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 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 2023-11-27
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. (MI)

The date of first delinquency for a closed XXXX account ending XXXX is incorrect as reported by Experian. Closed accounts stay on-record for up to XXXX ( XXXX ) years beyond account closure. The date of first delinquency furnished for this account in my Experian credit file causes the duration over which the account reports to be extended by XXXX ( XXXX ) years beyond what it should with Experian. Whereas XXXX alleges the account was charged off on or around XXXX XX/XX/XXXX, and whereas, the date of first delinquency would be within the one-hundred XXXX ( XXXX ) days prior to that action, Experian reports the account is scheduled to stay on-record until XX/XX/XXXX -- that is nearly XXXX ( XXXX ) years beyond which it should remain.The account was wrongfully charged off, and the methods XXXX used to try and rectify the situation resulted in XXXX reporting additional false/misleading/inaccurate information that has and will continue to harm me as a consumer. Not only are the acts and practices of XXXX unfair and unlawful, but they are additionally abusive because I now must endure hardship resulting from XXXX negligence well beyond what is legal under statute unless this account/tradeline is removed because all attempts to get XXXX and Experian to even correct the Date of First Delinquency have failed.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (NC)

Ally received a complaint letter and retaliated by informing three credit bureaus of a disagreement regarding unpaid XXXX items. However, the claim is false as the items were purchased on XX/XX/year>, and payment was made to Ally on XX/XX/year>. A redacted copy of the monthly statement is attached as proof that there is no outstanding debt to Ally or XXXX for the merchandise.
Consumer complaint received 2024-06-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WV)

I've got XXXX AMEX virtual rewards gift cards, one is for {$15.00} the other one is for {$10.00}. I've tried many places online and in person to spend these cards. The cards are supposed to work wherever AMEX is accepted in the US. They don't. Ive called AMEX many times over this issue and was told to find a store that don't need my address when using the card. Ive not had a single store ask for it and yet the cards are always declined. I was told by AMEX they do not have a list of places these cards will work at. I was told to just keep trying until I found a place they would work. Got a friendly reminder that the balance will expire in 6 months from the issue date. One support person offered me a refund then said of no we can't do that since this was a reward gift card from Inbox Dollars. I used all my points for these scam cards. It should not matter if cash was used to obtain these or not. They are GIFT cards. Useless as can be. These cards have been nothing but a pain in the rear. Ive wasted many hours trying to resolve this issue. There's many other people with the same issue. AMEX IS STEALING FROM THE CUSTOMERS, IF THEY DONT SPEND THE CARD BALANCE WITHIN XXXX  MONTHS IT EXPIRES. AMEX CUSTOMER SUPPORT IS A JOKE, they read you the same script everytime. Offer absolutely no solution and refuse to give any helpful information. It's impossible to use these fake scam cards. I'm guessing AMEX set it up this way so they could steal peoples money when they can't use these fake cards and figure people will just give up trying eventually. I know {$25.00} Is not much money but it is the principle of it. {$25.00} adds up fast when there's thousands of people getting robbed of their funds. Please help me put a stop to AMEX scamming people.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I have recently reviewed my credit report and discovered the presence of variations of my name that are incorrect and potentially damaging to my creditworthiness. The inaccurate variations include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that you rectify this situation promptly by removing any names on my credit report that deviate from my full and legal name, XXXX XXXX XXXX. Failure to do so not only constitutes a violation of the FCRA but also exposes Experian to potential legal action. 

The FCRA, under Section 1681s-2 ( a ) ( 1 ) ( A ), requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. The inclusion of incorrect variations of my name is a clear violation of this provision! 

I am requesting the following actions : Immediate removal of all incorrect variations of my name from my credit report mentioned above. 
Confirmation, in writing, that my credit report now accurately reflects only my full and legal name, XXXX XXXX XXXX. 

A free copy of my updated credit report sent to my address once the corrections have been made.

Please be advised that if these corrections are not made within 30 days from the date of this letter, I reserve the right to pursue legal action for violations of the FCRA. This may include seeking damages for any harm caused to my creditworthiness as a result of the inaccurate information. 

I expect your prompt attention to this matter and appreciate your cooperation in resolving this issue. You can contact by mail at XXXX XXXX XXXX XXXX XXXX MO XXXX to communicate any updates or to request further information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-26
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. (PA)

XXXX will not remove unauthorized Hard Inquiries listed below : Inquiry details XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX  I called XXXX and they would not remove the unauthorized Inquiries.
Consumer complaint received 2024-05-24
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: Zions Debt Holdings (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear ZIONSDEBTHOL, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Section 570.223.

It has unequivocally come to my attention that ZIONSDEBTHOL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Missouri Revised Statutes Section 570.223, underscores the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for ZIONSDEBTHOL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ZIONSDEBTHOL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ZIONSDEBTHOL will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX