davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-26
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

i had a capitol one card which had some late payments.i paid the card in full and I do not have the card anymore .the company told me it was closed, ,however after more than five years, ,they refuse to remove it from my XXXX report, i have disputed it nothing.i have called the  company .nothing it is still on my report with a negative view..please help me .I don't have a balance I paid the entire amount, XXXX I called, XXXX I called, ,i disputed it in XXXX of last year and also this year, ,nothing
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Activehours (SC)

On XX/XX/XXXX, Earnin debited my account for XXXX in two seperate transactions causing a XXXX overdraft fee. Earnin 's policy states that in the unlikely event that an overdraft is caused that it will refund it, but it has not. Earnin is a payday advance/overdraft prevention app. 

I am owed the credit of XXXX
Consumer complaint received 2020-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (AZ)

Alpine credit inc is listed on my collections for a XXXX bill from a medical facility in Colorado. I have never visited or lived in Colorado. I contacted alpine and they were very rude and said they got my info from the facility. I contacted the facility and they said they only provided a name to the credit agency ( which is not mine ) and they did not provide an SSN. Alpine is incorrectly pulling my ssn and linking me to this bill. I have already disputed through XXXX and XXXX and had the collection removed. XXXX  hasnt removed it yet and asked for a copy of my ssn and drivers license as alpine is still convinced this bill belongs to me. I believe alpine is using incorrect search methods to link bill to people they do not belong to with limited search info. Online searches for the area of Colorado pulls up someone with the exact name on the bill they say is mine. I live in Arizona and have all my life.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of XXXX, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, XXXX XXXX has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of XXXX, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, XXXX XXXX  has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They 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
Consumer complaint received 2022-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (MD)

SPRING OAKS CAPITAL LLC at XXXX XXXX XXXX XXXX, VA XXXX- This collection account has been reported as having passed due balance of {$390.00} on my XXXX credit report ( ONLY )- I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

Note : This complaint is NOT for verification, this company couldnt provide me with ANY paperwork showing 100 % VALIDATED proof that I am responsible for this alleged debt. SPRING OAKS CAPITAL LLC, MUST provide me with the following with 30 days. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

Could you please check the documents to confirm whether FCRA 605B mandates the removal of any inaccurate accounts from my credit report? It's concerning me, as some of the listed accounts seem to be incorrect.
Consumer complaint received 2022-06-15
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. (FL)

As of XX/XX/XXXX I have been disputing with Experian via certified mail for the last year or so about a reporting error that needs to be corrected, Yet Experian always comes back and says that the account was verified as accurate. XXXX XXXX XXXX  Account number XXXX continues to report that it is 90 days past due for XX/XX/XXXX. This can not be humanly possible seeing that the previous months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all reported as paid on time. I have mailed in dispute letters with a copy of my drivers license and a actual print out of the actual credit report where the error is being reported, Yet month after after month I always get the same result without any real investigation taking places. This has caused a great deal of stress to me because it's clear as day that this account is being reported inaccurately! Experian has violated FCRA 15 U.S.C SEC 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

I have attached proof for your review.
Consumer complaint received 2022-06-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please Thank you.
Consumer complaint received 2020-07-26
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. (SC)

XXXX incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of XXXX, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, XXXX XXXX has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (IL)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries have no permissible purpose to be on my report. Delete these inquiries due to violation 15 USC 1681b
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Citigroup 's policy forcing vendors to refuse firearm sales to under 21 year-olds, regardless of the law. I don't actually have a credit card account with them, but there is no option for filing a complaint regarding their discriminatory business policies. 

By instituting policies which require their banking customers to discriminate against prospective clients based on age, in an apparent effort to affect their own brand of restrictions on firearms ownership, CitiBank appears to be attempting to infringe upon the second amendment rights of millions of law-abiding American citizens. ( the ones that bailed them out ) Since XXXX has not even remotely suggested that the financial activities they are targeting by this policy are illegal in any way, while they themselves enjoy government support and benefits, I believe they should limit the scope of their policies to deny only those transactions that might be illegal, or at the very least, those not GUARANTEED to the people by the US Constitution. 

While I do believe that businesses in the United States, for the most part, should be free to set policies as they see fit, this particular policy tends to force other businesses into breaking federal age discrimination statutes in order to continue doing business with them. Since it violates the rights of so many others, I hope that if XXXX does not voluntarily revise or abandon this policy, they might be legally compelled to do so.
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.
Consumer complaint received 2018-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (HI)

Every day, multiple calls per day. 
Some robocall, some with person. 
Asking about an estranged relatives debt, not ours. 
We have repeatedly told them not to call. We did not have contact with this person and we were not going to do their job for them. 
They told me they would continue to call anyway.
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NJ)

I am a victim of identity theft. Someone opened a synchrony bank/JCPenney charge card with a high balance of {$740.00} using my personal information without my consent. The charge card was opened XX/XX/2015. The status was closed but it had a written off of {$740.00}. I submitted the necessary documents to Synchrony bank/JCPenney such as police report, my ID, statement that this charge card is a fraud and I was not the one, who opened it. 
The result of my dispute with the company was that I am authorized and benefited from the purchase. Again, this charge card is a fraud. 
Attached are my documents.
Consumer complaint received 2020-07-26
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. (NJ)

I have a loan with Citi/Cbna. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Citi/Cbna with no successful resolution. XXXX only reporting me late.
Consumer complaint received 2022-06-15
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. (CA)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} I did not give this company permission nor have ever done business with them and have documents filed with the police for fraud. 

XXXX XXXX XXXX XXXX XXXX  I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud. 

XXXX XXXX XXXX I never gave XXXX consent to use my information and have never done business with XXXX. I have been under XXXX since 2015. I have police documents filed for fraud and XXXX consented and closed the account, but I would like this to be removed from my account.
Consumer complaint received 2020-07-25
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. (NY)

Transunion and XXXX  continue to report a derogatory account on my credit file of a company called XXXX XXXX XXXX. There is no payment history, no date of default and the balance owed and account balance show inconsistent amounts. I have reached out to XXXX XXXX XXXXXXXX and informed them that I did not open this account and to submit proof of application. They just sent me a computerized bill and refuse to send me the contractual obligation. Transunion and XXXX  just keep reporting the account as verified but refuse to furnish the method of verification. I was successful in having the account removed from my XXXX  profile for lack of proof of ownership ; however, Transunion and XXXX  have been noncompliant. I would like to file a complaint against Transunion and XXXX  for illegally reporting inaccurate and derogatory information on my credit profile and their refusal to comply with demand for verification of reported account of XXXX XXXX XXXX ; and XXXX XXXX XXXX for lack of diligence in helping resolve this serious issue.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : INCORRECT NAME : XXXX, XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX, CA Date Updated : XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiry XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I defaulted on this loan. I am trying to obtain a mortgage, but he loan is apparently showing twice on my credit report for lenders - once as a delinquent account and once as a charged-off account. I have tried to dispute with the bureaus, but XXXX XXXX will not correct it.
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I defaulted on this loan. I am trying to obtain a mortgage, but he loan is apparently showing twice on my credit report for lenders - once as a delinquent account and once as a charged-off account. I have tried to dispute with the bureaus, but XXXX XXXX will not correct it.