davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (NY)

Hi, I have tried countless times to dispute the issue with XXXX pertaining to the incorrect stated amounts owed to Spring Oaks Capital LLC. Each time my claim has been returned as confirmed, which is incorrect. Please correct me if I'm wrong, but it is to my understanding that a company collecting debt or so-called debt are required to be licensed in the state of the alleged person that owes the debt. Is that correct? If so, according to Spring Oaks Capital LLC is not licensed in the state of New York. On that data point alone any claim and/or attempt to collect debt from me should be taken as a violation of Consumer Finance Laws and an attempt to commit an unlawful act. There's also the issue of I do not know nor have ever signed any document binding me to XXXXXXXX XXXX XXXX XXXX. XXXX should be held responsible for lack of debt ownership and illegally allowing the sharing and/or access to my private personal information. More so for assisting in the perpetration of a fraud. 
Case in question are : XXXX Credit Report Spring Oaks Capital LLC XXXX XXXX XXXX XXXX - XXXX. {$650.00}.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (NY)

I paid for my credit report and upon checking. I realized there's hard inquires that i don't recognize. 
Experian : 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
Consumer complaint received 2023-02-24
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. (NY)

XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) Dont have any idea of this not looking for a car In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 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 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

XXXX XXXX continues to fradulently place my account in " dispute '' status, after I have requested for months for them to remove this dispute language. For the 30th time, I am not disputing anything in regards to that account. I received an e-mail from XXXX XXXX, whereby, she stated : " Per your request on XX/XX/2018, we requested that the credit reporting agencies update their records and DELETE the dispute status from your credit report. '' This letter was dated ( and will be attached ),  on XX/XX/2018. So, I ask, why is the language showing that it's still in dispute when XXXX indicated it would be removed? Also, why was the original case closed, when my credit report was showing this account still in dispute?
Consumer complaint received 2019-04-27
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: EQUIFAX, INC. (NJ)

I requested the credit bureau to investigate. I havent received any information on these accounts. They're inaccurate and need removed. I do not have obligation to the accounts and are serious error in reporting and further hinder my ability to obtain credit.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A. (NY)

On XX/XX/XXXX I received a call from PNC Bank which informed me that someone was attempting to apply for a credit card with my personal information in another state, Florida Specifically, they were calling to verify I applied for the card, when I said I had not they supposedly transferred me to CFPB, I have a case # of XXXX and a cancellation notice of XXXX on the alleged card. As well as a contact at CFPB of XXXX XXXX. They asked for no personal information so I had no reason to believe it was fraud but when I tried to call the phone # back there was no answer? Which makes me fear this was fraud and my personal information is at risk. How do I check this?
Consumer complaint received 2021-02-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (IL)

I bought the car on XX/XX/XXXX, the check engine light comes on and its in the shop on XX/XX/XXXX. The car auto stops in mid traffic. I take it to service on XX/XX/XXXX, they say nothing is wrong. I get in an accident on XX/XX/XXXX from the car stopping on me. I take it for service in XXXX, they still claimed nothing was wrong. I take it drive it the auto stop doesn't even come on anymore, as if the car has been tampered with. On XXXX XXXX, XXXX that car sporadically shut down due to an autostop while Im driving in traffic, they repossessed it from non-payment XX/XX/XXXX, I am on XXXX leave from the accident and they don't care which means Im just out here. I need the car for therapy appointments but they also need a new engine on it. They also took all my ids, cards, car seats and parking stickers for my school.
Consumer complaint received 2024-03-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ALLY FINANCIAL INC. (AZ)

Was sent loan agreement for {$35000.00}. I never signed. Audit showed my name as Applicant not Borrower and no Application was ever received or completed. E-SIGNATURE came from plumbing company, not me. Was sent via plumber 's I-PAD.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

XXXX ) I am not able to access my on-line account. I tried changing password even though I entered t he correct password, I was able to get in once, when I tried re-entering my account I could not XXXX et back in. I tried changing my password again, and am still not able to get in. I talked to Citibank tech support who told me they saw no problem, and then they hung up on me. I am an XXXXXXXX XXXX XXXXXXXX and I know when a system is not working ; the tech support person I spoke with did not listen to my problem and refused to look any further than the front-end. I can not access my account, and Citibank is unwilling/incapable of helping me. 

XXXX ) When I was able to enter my account, my credit card information was GONE. I tried calling the number on the back of my credit card, I was put on hold for XXXX minutes, then was disconnected. 

I called my local branch manager and he told me he could not do anything to help. Citibank left me no alternative but to file a complaint with the CFPB, but in the mean time my credit card payments are going to be processed INCORRECTLY, and there is NOTHING I can do to stop it.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

Target  has reported a fraudulently opened account on my credit ... It went to charge off and damaged my credit. Numerous attempts to request Target  to validate this account went ignored, they have NOT provided in writing any copies of the original application or payments that they supposedly received on this account. I have been disputing this with them for 6+ months now only get ignored and finally I spoke with a person on XX/XX/XXXX, who offered me settlement on the account in lieu of deletion. Even though this was NOT my account I agree to pay so they could delete. After they received the payment they refuse to delete this account and this is hurting my report in great deal ... I provided to them all I could police report, copy of my ids and ss card so they could compare it to what they have and know it is identity theft. But they ignore, arrogant and negligent have NOT provided me any proof validating ownership of this account and only took money that did not belong to them ...
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

XXXX to present usaa bank they transfered money to my other account witthout my permission.They kept my tax refund check and said it was put in a closed account .The same day they did a chargeoff fraud but told me no fraud acured .They are now saying they dont have my social sucurity number or id or adress and are going to close my other account due tothem not having this info .How can they not have this info they had to have it to open acccount .every time i call i get a different answer .we filed a police report immmediateley after our vehicle was taken from work i was working at XXXX  and could not take items in due to covid, i also sent them notice of a breach where my info was shared from my doctors office .they still claqim no fraud accored.
Consumer complaint received 2023-01-06
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. (AZ)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-06
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. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-13
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: EQUIFAX, INC. ()

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/XXXX to a FRAUD SCAM Brokers : XXXX XXXX ( XXXX XXXX XXXX, XXXX ). 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX ( XXXX XXXX XXXX, XXXX ). - the Scammers. 
The funds were transferred utilizing Coinbases services in the total amount of XXXX CAD! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with Coinbase.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (PA)

existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I DOOOOO NOOOT HAVE AN ACCOUNT WITH MIDLAND CREDIT MANAGEMENT THIS IS ILLEGALL!!! I DOOOOO NOTTT HAVE A CONTRACT SIGNED FROM ME TO YOUR COMPANY. YOU ADMITTED TO ILLEGALLY BUYING A CONTRACT THAT ILLEGALLY WAS NOT BOUND TO ME. I DO NOT KNOW YOU COMPANYYYY I DO NOT HAVE ANYYYYY SIGNNNEDDDDD DOCUMENTS BETWEEN XXXX XXXX AND MIDLAND CREDIT MANAGEMENT. I DO NOT OWE SOMEONE I DO NOT HAVE SIGNED CONTRACTS WITH!!!!!!!! THIS IS AGAINST MY RIGHT LEGALLY!!! NOW YOU THREATENING TO FORWARD THIS TO AN ATTORNEY!! 
15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOTTTTTTTTTTTTTTT I REPEAT I DO NOTTTTTTTTTTT have contracts with XXXX XXXX XXXX NOR MIDLAND CREDIT MANAGEMENT, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX as well as XXXX XXXX loan are all reporting as late payments each month even though accounts are charged off. 

This is resulting in credit to report most recent missed payments as XXXX  months ago. 

This is factually incorrect and a violation of FCRA
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One Auto Finance account as been closed and charged off since XX/XX/2017 and has not been sold to a collection agency but the above company is continually to re-age this account
Consumer complaint received 2020-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I was XXXX in XXXX in the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. with the XXXX. I had my attorney and my XXXX sent my orders I was there. no way I could be in some small town in XXXX XXXX miles from my home in Florida. it was a secured card I forgot I even had any more. so when gone someone found it on the web and went fun with it.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (IN)

Ordered an item from Amazon XX/XX/20. Order was not going to arrive in time for grandson 's birthday so I bought another item. Authorized through Amazon request to return item on XX/XX/20. Amazon accepted request and sent out a return label.XX/XX/XXXX. Shipped item back to the address Amazon provided on XXXX XXXX. Item of {$480.00} was placed on my XX/XX/XXXX Chase Amazon Credit Card along with a charge of {$85.00} for a XXXX XXXX bill which was correct. Item was received at the Amazon location on XXXX XXXX and proof of delivery was signed by " XXXX ''. Chase Amazon Credit Card credited my account {$480.00} on my XX/XX/XXXX billing. Chase Amazon Credit Card then placed both items back on my card on my XX/XX/XXXX billing - The {$480.00} item and the {$85.00} XXXX XXXX charge.Called Chase Amazon Credit Card on XX/XX/XXXX and was told to file a dispute. Faxed dispute on XX/XX/XXXX and mailed out a copy as well. Chase Amazon Credit Card denied my dispute on XX/XX/1920. After numerous calls and the general run-around on XX/XX/1920 Chase Amazon Credit Card decided as a one-time generous gesture, they would credit my account {$100.00} and I should be grateful to eat the balance. I did not notice the rebilling of the {$85.00} XXXX XXXX charge until later.
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/22, Midland Credit Management stated the account that they were contacting me about would be marked " cease & desist '' but they are still contacting me & threatening legal action. they have stated the account belongs to someone with the last four of their social being XXXX, which is not the last four of my social security number. mine is XXXX they continue to violate my consumer protected rights with the harassment of an account that has never belong to me. very unprofessional. their process of finding their customers is not reliable obviously. this is my second complaint against them through the CFPB so now, i will move forward to legal action.