davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (IL)

I'm extremely distressed by the credit report I recently received! This situation is completely unacceptable. It's baffling that the government allows such blatant errors that have such a severe impact on people. I'm fully prepared to hold you accountable for your poor reporting practices if you don't promptly and accurately address this issue. To my knowledge, these accounts shouldn't even be on my file, and I have no idea where you obtained them from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your dissemination of this inaccurate and incomplete information constitutes a serious breach of credit reporting laws. I require that you expunge this misleading information and furnish corrected credit profiles to all creditors who have received a copy within the last 6 months, or within the last 2 years for employment purposes. Additionally, I request the disclosure of the name, address, and telephone number of each credit grantor or other subscriber.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MS)

Self Financial Date Opened : XX/XX/2019 To who it may concern, the payment status on this account is inaccurate and is invalid, you must have maximum accuracy when reporting, I would like you to verify this late payment and if you fail to verify I would ask you to delete permanently from my credit report, I also demand you show supportive documents that you are reporting this item as accurate, showing that its actually been late this is a violation of 15 USC Code 1681 a which violates my rights..
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (PA)

The collectors have come after me for a {$6300.00} balance in which the creditor has written off and filed as a loss on taxes. Unfortunately, this was sold to debt collectors. There is a double Jeopardy with that. Also Im asking for original billing and certification that this collection is she is legally able to collect in Pennsylvania.
Consumer complaint received 2024-03-28
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX
Consumer complaint received 2024-03-28
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. (LA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was on an active COVID-19 forbearance under the CARES Act from XX/XX/XXXX through XX/XX/XXXX. Prior to entering into the forbearance, my XXXX XXXX mortgage was current. I was not required to make any payments during the forbearance period. 

On XX/XX/XXXX, I submitted a completed loss mitigation application. 

On XX/XX/XXXX, my XXXX credit score was XXXX. 

On XX/XX/XXXX, I received a certified letter from XXXX XXXX  regarding Notice of Default. The notice indicated that I was in default on my mortgage for failure to pay the monthly installments due. In order to cure this default of mortgage, XXXX XXXX  must receive funds in the amount of {$14000.00} The notice further indicated, We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report.

Approximately on or about XX/XX/XXXX, I received notification that XXXX XXXX  reported my mortgage status for XXXX as a missed payment as they indicated in their XX/XX/XXXX, letter and my XXXX credit score dropped XXXX points from XXXX to XXXX. 

In XX/XX/XXXX, I requested a credit correction from XXXX XXXX  asking them to correct my XX/XX/XXXX credit reporting from a late status to a current status at all three ( XXXX ) credit bureaus, Transunion, XXXX and XXXX because I still had consumer reporting protections of the CARES Act after my forbearance ended. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  Consumer Bureau Management stating, We received your dispute request related to your account. Based on our investigation, we have determined that the account information submitted by XXXX XXXX to the consumer reporting agencies is accurate. The forbearance expired in XX/XX/XXXX and the account is not currently under credit protection. 

Based on the facts XXXX XXXX  determination outlined in their XX/XX/XXXX, letter, is inaccurate. The consumer reporting protections of the CARES Act continued to apply to the time period that I was covered by the forbearance after the forbearance ended on XX/XX/XXXX. XXXX XXXX  can not report a consumer that was reported as current pursuant to the CARES Act as delinquent based on the time period covered by the accommodation after the accommodation ended. XXXX XXXX  also can not advance the delinquency of a consumer that was maintained pursuant to the CARES Act based on the time period covered by the accommodation after the accommodation ends.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This serves as a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. While I acknowledge that errors can occur, it is important to rectify these inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome. Please have this account updated for once : XXXX XXXX XXXX
Consumer complaint received 2024-03-28
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. (NV)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX XXXXXXXX account XXXX is inaccurate because It contains inaccuracies on my credit report. Based on the information obtained from other Credit bureaus the Date Opened, Last Payment made, XXXX XXXX amount, and Close Date are inconsistent throughout credit bureaus XXXX, XXXX, and Equifax. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX account XXXX is inaccurate because It's missing from the Equifax credit report. Based on the information obtained from other Credit bureaus the High Balance, Date of last activity, Date Opened, Close Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX account XXXX is inaccurate because It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit Beraous the account number is invalid and missing, Also, High Balance, Date of last activity, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
This item XXXX OF XXXX is inaccurate because This item is not being reported on Equifax but only being reported by XXXX and XXXX, Also, It contains inaccuracies and errors on my credit report. Based on the information obtained from other Credit bureaus the account number is invalid and missing, Also, High Balance, Last Verified, Date of last activity, Date Reported, Date Opened, Close Date, Last Payment Date, and XXXX XXXX. I am requesting that this item be completely removed from my credit report since this is a violation of the Fair Credit Reporting Act. 
Enclosed is documentation supporting my request : Credit Report XXXX showing the inconsistencies reported by XXXX, Equifax, and XXXX showing different wrong contradicting information from each other. 
Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
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. (KY)

Citibank charged me {$150.00} for a purchase I didnt make at XXXX XXXX. I had called numerous times to dispute the amount plus the late fees. They have not corresponded with me to resolve the problem. I have talked to their fraud representative and mailed out a letter to dispute. Ive never even used this particular Citibank card for any of my purchases. After this is resolved I am going to cancell all my Citibank cards. I dont want anything to do with them. When I found out my card was used fraud ky XXXX immediately called them to report. This was XXXX months ago and they have neglected my concerns. My next step is to get my lawyer and fight for damages and stress that they have imposed on me. The time I put in to dispute my charge.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided with and may possibly be relatives addresses. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX Also, these phone numbers that aren't mine and should be deleted from each credit reporting agency. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete the following items. Thank you. 
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 2023-08-30
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. (OK)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete the following items. Thank you. 
XXXXXXXX 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 2024-03-28
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2024-03-10
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Revolut Technologies Inc. (FL)

On XX/XX/XXXX. Someone using the name " XXXX '' attempted to make several charges, but my debit card was frozen. On XX/XX/XXXX that someone stole {$14.00} and {$3.00}. 

I reported this to the card issuer and they told me I'd have to wait to see ( with no provisional credit ). 

In early XX/XX/XXXX I am aggravated that they did nothing to help me recover the money. They seem be in collaboration with the online criminals and making themselves and the banks very wealthy in their process. They are going to keep my money so basically they steal card-holders ' money and consumers have absolutely no recourse. 

I expect the money returned that Revolut stole in XX/XX/XXXX ( {$250.00} ) plus the money Revolut stole in XX/XX/XXXX ( {$18.00} ). Total as of today {$270.00} put back into my bank account.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (OH)

In or around XXXX of the year XXXX XXXX- XXXX XXXX The Consumer began to receive postal letters from the Corporation at question that is SPRING OATS CAPITAL LLC stating that the consumer allegedly owed debt to the Corporation- The Consumer did request any written agreement between SPRING OATS CAPITAL LLC and The Consumer ; The Corporation did not provide the requested information- After requesting and not receiving any evidence of any binding agreement between SPRING OATS CAPITAL LLC and The Consumer- The Consumer did query who furnished The Consumers PRIVATE and or NON PUBLIC INFORMATION - After requesting and not receiving any response on from where the Corporation received The Consumers Private information- On XX/XX/XXXX The Consumer did opt out of any presumed or implied authorization for SPRING OAKS CAPITAL LLC to share or access any NONPUBLIC INFORMATION- and did give notice to SPRING OATS CAPITAL LLC in regards to their willful noncompliance committed in regards to The Consumer 's rights and the violations thereof-
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (TX)

On XX/XX/23, credit card that I did not authorize was issued in my name by someone else for the amount {$6800.00} Credit card company that opened the account is called XXXX XXXX XXXX . I called the company on XX/XX/23 and spoke with the fraud specialist and was told investigation will be done on the case. Awaiting further action and responses from the company. I called XXXX and spoke with the fraud specialist as well about the identity theft.
Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (TX)

I paid to delete a debt with the original owner of this debt and this company still shows the debt as outstanding and is continuing to keep it on my record after already disputing through XXXX. They would not provide a to my evidence and correspondence with management at XXXX XXXX XXXX XXXX, Tx ). Ive disputed this debt before but settled with management to delete for payment.
Consumer complaint received 2024-03-28
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. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 
Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-17
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KS)

XX/XX/XXXX I started a new checking account due to divorce. I forgot to update synchrony by the due date of that bill. After the first missed payment I updated the account. Every late payment after that was due to synchrony trying to charge a closed account, not the updated account. This happened again in XX/XX/XXXX after billing the correct account multiple times, they reverted back to charging a closed account. They also closed this account after XXXX missed payments in XX/XX/XXXX even though XXXX of those missed payments was because they tried to bill the wrong account. Also, their notification practices are sub par. Notification has never happened in a timely manner to resolve the issue. I have paid immediately each time I have finally been notified. As of right now they are reporting at least XXXX missed payments. I take responsibility for XXXX, though that could have been resolved with a phone call.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (IL)

Spring Oaks Capital , LLC ( Debt Collector ) XX/XX/2022, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). Spring Oaks, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not Spring Oaks Capital , LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.