davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. As of today, over 60 days later, I have not received a response yet. At this point, I feel as if my rights have been violated and I have been taken advantage of. I feel that my request regarding my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the anxiety caused by the stress you have caused me. My information was also impacted by the Equifax Data Breach and may have been compromised and gotten into the hands of the wrong people.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SPRING OAKS CAPITAL LLC account with a balance of {$470.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My social security number was stolen and a credit card with Bank of America was opened. A credit transfer of {$100.00} was also initiated from a credit card that I do own. I called my bank and they closed the account and initiated a pause on the credit transfer.
Consumer complaint received 2018-10-14
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. (GA)

I have been disputing a inaccurate bankruptcy # XXXX that is reporting on my credit report. I initially starting the dispute with Transunion XX/XX/2017 and I have submitted a dispute every 60 days asking for them to provide documentation. I have provided documentation to Transunion several times proving that the bankruptcy on my credit report is not valid. I have disputed the bankruptcy with XXXX XXXX who is the 3rd party provider who initially sold the inaccurate information to Transunion. XXXX XXXX completed their own investigation and have deleted the inaccurate information from their system. I also have wrote the federal bankruptcy court and they verified they do not report any information to the credit bureaus and they have no control over the errors that are being reported by the credit bureaus. Transunion has been unable to provide any time of documentation or proof of where they are receiving their erroronous information. Transunion is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.
Consumer complaint received 2022-05-03
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. (MN)

I have sent both a police report and evidence of identity theft from the state of wisconsin, to experian, and they still will not remove XXXX XXXX XXXX XXXX account opened on XX/XX/2017. It is account that is inaccurate on my report.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (AL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc (CA)

Financial Credit Network : Account number XXXX I have disputed this account, I never received validation of this debt, I never lived at the address where debt incurred, I have disputed with collection agency asking for my signed original contract or copy of my drivers license, they can not provide.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (WA)

I am on the phone daily with this Ally auto. I am unable to get anything resolved due to representatives, supervisors and managers hanging up on me. I have asked for corporate assistance and have received none I've waited days for callbacks and just need a resolution. I made a payment it was applied to interest only to which the manager XXXX at extension XXXX advise me their payment processing center is allowed to apply payments anyway they see fit. I made a payment which was withdrawn from my bank account and offered to show bank statement even provided the confirmation number through the website and my bank to which I was told does their company no good I need to dispute it through my bank. This is all caused a 30 day late hit on my credit and over {$100.00} in late fees. All I want to do is pay this loan off and not deal with this company again. I need the 30 day hit removed from my credit so I can do this. Ally continues to tell me to dispute it through the bureau and if I had any faith in the company I would do it but I don't.
Consumer complaint received 2022-10-25
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. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-02-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/17 my husband and I went to our local bank of america in XXXX XXXX, Fl to open up a joint checking account. During our meeting with the representative, she asked us if we would like to apply for a credit card and we declined. We opened up our joint checking account and left. 

Today, I printed my credit report and I saw an unauthorized credit card opened up in my name on XX/XX/17 for the amount of {$500.00}. The card was closed the next day on XX/XX/17 but now I have a low limit credit card and inquiry on my report which is hurting my score!
Consumer complaint received 2021-12-07
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-03-22
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. (AL)

Im submitting this complaint againsXXXX XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I opened an American Express business platinum card in XX/XX/2021 and I have met the minimal spending within 92 days of card opening to get the rewards but my rewards points have been clawed back due to a return ; however ; when I called AMEX ; they told me as far as i can make up the spending before the deadline ; the rewards points will be reinstated. So I spend another $ XXXX But I did not get the points back even I have met all elements to be rewarded. I have read the terms and conditions of the rewards program. But I did not violate any of these.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

my name is XXXX XXXX, i have sent multiple complaints in regards to multiple accounts with the supporting documents to show XXXX XXXX XXXX XXXX - XXXX this account is in direct violation under the FCRA 15 U.S. Code 1681-2 - a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to beleive that the information is inaccurate. as shows in the supporting documents all three credit bureaus are showing inaccurate missed payments as well as ( account type and Date Last Active ) this account should state paid never late. 
XXXX XXXX account - XXXX this account is also inaccurate ( date last active, Date of last payment, date opened and account type ) are all inaccurate and are ina complete violation of the FCRA under 15 U.S. Code 1681-2 as well as 15 U.S. Code 1681 Section 604 ( a ) A consumer reporting agency can not furnish an account without my written consent. 
XXXX account XXXX XXXX this account has the following inaccuracies ( account type, date opened, high credit, credit limit, comments to my account without my consent, date last active and date of last payment showing no payments made ) this account is in direct violation under the FCRA 15 U.S. Code 1681-2 as well as 15 U.S. Code 1681 Section 604 ( a ) A consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 section 602 which i have right to privacy. 15 USC 1681b -required under this law this title is to be mailed or delivered to the consumer not later than 21 days before the payment due date. i received nothing. i am a blocked caller to the customer care line in which this agency has been taking money out of my bank account this account is under violation FDCPA 15 U.S.C 1692e- which prohibits tge use of false, deceptive and or misleading representation in connection with the collection of debt. and is to be deleted from my credit report also under the FCRA all these account are under violation of my federal rights. under all codes named 623 ( a ) ( 1 ) ( a ), U.S.C 1681s-2 ( a ) ( 1 ) ( a ), 15 U.S.C 1681b.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (IN)

I had midland funding report a debt in my credit report. I contact and made a police report since this information was not mine. Credit bureau took the information off but midland funding has sent me to court to get payment for this account. These accounts are not mine and they are at a address that is not mine. I am not sure what address was used since this is not my address. The last name on the card is XXXX XXXX.
Consumer complaint received 2021-03-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I think you should do something about the hundreds of people a day being sued during a pandemic. Souless monsters filling up our court everyday since covid sucking what bit of life we have left out of us! Unfair, these people are coming out of the woodwork like vultures. Billon dollar indrusty thriving during a pandemic. There is something very wrong about that. Disgusting!
Consumer complaint received 2020-12-14
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. (TN)

On XX/XX/XXXX, each major credit bureau XXXXXX/XX/XXXX, Equifax, XX/XX/XXXX were sent dispute letters via certified USPS mail regarding specific inaccuracies on my credit reports which are heavily restricting my ability to obtain credit and to increase my credit score overall ( letters attached ). 
On XX/XX/XXXX, each major bureau was informed via certified USPS mail that they have violated federal law by not responding or removing these inaccuracies within the allotted 30-day period. So, by federal law, they must comply and remove these inaccuracies on my credit report. 
Attached to this complaint are my initial letters sent in XX/XX/XXXX and my request to remove letters sent in XX/XX/XXXX. 
Each letter has USPS certified mail info attached as well.
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SG and Associates (NY)

On XX/XX/2021 I received a notification from XXXX I opened it up to fine a collection on my credit report That was unfamiliar to me. I called the collection agency by the name of Stafford Group associa. A gentleman answered the phone by the name of XXXX XXXX, I explain to him that I was calling because received a notification stating that I had a collection from his collection agency he stated to me that the original creditors was XXXX and that he took over the debt and the sum of {$9300.00}. I explain to him that I never had an account with XXXX I explain to him that this must be a big mistake he then became very hostile stating that he was going to sue me if I didnt pay the money XXXX try to explain to the man that this must be some type of identity theft because I had no idea who he was, and I had no idea about a company named XXXX. I asked the gentleman to send me some type of verification because he had no right to put a bill on my credit report without verifying it with me.he told me that he can do whatever he needed to do to get his money and hung up the phone on me. I called to XXXX and filed a identity theft report, I went to The police department and filed a report I also filed a Identity theft complaint with the federal trade commission. Upon further research this account was transferred/ sold By the original creditor, Debtors Creditors did not verify this collection also there Was no written form of communication contact or written signature for this accused Debt at all. A bill without a written signature does not validate the Debt, and anyone can send a bill and say its mine according to the FCRA Stafford group associate has violated my rights as a consumer and Im requesting legal action to remove this account immediately.