davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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: CITIBANK, N.A. (NV)

I have been going through a continuing dispute process with Citi Credit Cards and they have been repeatedly reversing and recharging the same amount to prolong the dispute. They are repeatedly calling me and harassing me over and over by calling me and not leaving any VM or email. 

I filed a complaint/dispute with the Citi Cards regarding a XXXX charge on XXXX I filed explaining clearly that I had made a purchase online but did not receive the shipment. I indicated that I spoke with the vendor about the non-delivery of the items numerous times but to no avail. In addition to not receiving the shipment I had initially debated with the vendor about a 10 % discount that they offered to me, but then later refused to honor after I had made the purchase. In regards, to the non-delivery, the vendor had informed me to file with XXXX so that they can get insurance claim monies back for the shipper XXXX XXXXXXXX XXXX which I did. However, after numerous attempts at attempting to work with the vendor, they did not resolve my issue and continually informed me that there was nothing they can do as they are not responsible for the shipment after it leaves their facility. After numerous failed attempts at resolving this issue to either have a new shipment or refund from the vendor, I informed them that I would be disputing the charges that I paid via my Citi credit card for the amount of XXXX as I had not received anything. 

Therefore, I filed a dispute with Citi Card about this and after a few weeks I received a letter from Citi Cards that indicated that since the vendor had provided a partial credit, which was the 10 % amounting to XXXX, they stated they are closing their investigation and reversed and charged me the XXXX once again, which appeared as a charge on XX/XX/XXXX on my billing statement. Citi sent me a letter indicating that the vendor provided XXXX, therefore they are closing the dispute and reversed the charges and if not satisfied I had to send in this letter to again open the investigation. I sent in the letter and indicated that this is not satisfactorily resolved at all. So on XX/XX/XXXX, they again provided a conditional credit for the dispute of {$84.00}. However, they have not resolved nor provided a permanent decision and it is now XX/XX/XXXX, which is over 40+ days from XX/XX/XXXX and nearly 85+ days from XX/XX/XXXX. 

Citi is repeatedly delaying the outcome or final permanent decision on this and this prolonging and delay is jeopardizing my insurance benefit filing which I have, which is 90 days from the initial purchase date, which Citi had informed me to not file until the dispute is resolved.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out that 3 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
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-13
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. (FL)

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 XXXX XXXX XXXX. 

XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 an 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 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (CA)

I recently received several calls from Sunrise Credit Services regarding an alleged debt with XXXX for internet services. According to their claim, I owe a service payment for the date of XX/XX/XXXX. However, I firmly dispute this claim. Let me explain the sequence of events to provide a clear picture. 

Before XX/XX/XXXX, I made multiple attempts to cancel my account with XXXX. During one of my initial calls prior to XX/XX/XXXX, I explicitly requested to terminate my membership because I was moving. XXXX assured me that they would cancel my membership, but unfortunately, they failed to do so. To my surprise, I later discovered that they had charged me for the month of XXXX, despite my intentions to cancel. 

Upon realizing this mistake, I immediately reached out to XXXX to request a refund. However, they claimed to have no record of my previous call requesting the termination of services. While I knew this to be untrue, I reluctantly accepted their offer to cancel my subscription on that day. Given their prior mishandling of my request, I became apprehensive about their reliability and promptly notified my bank, XXXX XXXX XXXX, to halt any further payments to XXXX. I explained the situation to my bank, only to learn that I was not the only one facing such difficulties. It became evident that XXXX was employing questionable and unethical practices, as numerous similar stories surfaced through a simple XXXX search. 

To my dismay, XXXX subsequently sent a bill in collections for the month of XXXX, despite the fact that I had already paid for it. Moreover, I possess bank records demonstrating that the payment was deducted from my account on XX/XX/XXXX. This evidence solidly supports my position that the bill has been paid in full. I promptly forwarded this information to Sunrise Credit Services, although I am yet to receive a response from them. 

I felt compelled to proactively address this matter since my research revealed that Sunrise Credit Services shares the same poor ratings as XXXX, with most of their collection complaints being related to XXXX 's services. Given these circumstances, I am seeking guidance on how to resolve this issue and prevent further harassment. 

Please note that while I appreciate any general advice or suggestions, I understand the importance of consulting with a legal professional to obtain specific advice tailored to my situation.
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-13
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-13
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)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (FL)

The car was seized by the company in XX/XX/2015 after having reached a payment agreement of three months had to pay 1 and negotiate the other 2 months was made the payment of one of the three months and as they want they took the car.
Consumer complaint received 2023-06-13
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. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-25
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. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (TX)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-13
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. (MD)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXXXXXX Balance : {$4700.00}, XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2018-11-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Cash Time Title Loans, Inc. (AZ)

I got a title loan from Cash Time and completely paid off on XX/XX/2018 and they are refusing to release my title and have tried several times to speak to some one in  a higher position and the representatives ( XXXX ) refuse to provide me information or transfer me, the representatives act very unprofessional and untrustworthy I don't know at this point if they are trying to steal my car and i need help.
Consumer complaint received 2023-06-13
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. (MD)

After reviewing my credit report, I discovered the following accounts listed as charge offs : Creditor Name Charge Off XXXX XXXX XXXX  XXXX {$2300.00} XXXX {$6200.00} XXXX {$6000.00} XXXX XXXX XXXX {$6800.00} XXXX XXXX {$10000.00} XXXX XXXX {$16000.00} XXXX XXXX {$550.00} Since these accounts have been classified as charge offs and are reported inaccurately, I am requesting they be deleted from my credit report in accordance with 15 US 1681 e ( b ). The Internal Revenues classifies charges offs as ordinary income, and the creditor or lender is required to furnish a form1099-C ( copy b ) to the consumer ( I have not been in receipt of any form 1099-Cs from all accounts listed ). Since income is not reported on consumer credit reports, I am requesting the accounts to be deleted from my credit report as a result of the debt being canceled. This information is impacting my credit report negatively and my security clearance with the XXXX XXXX XXXXXXXX. Requesting the information to be deleted. Thank you for your support and time in this matter.
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENOVA INTERNATIONAL, INC. (IN)

XXXX XXXX placed my account in collections and continued to report negative payment history after the account was listed in a CH XXXX bankruptcy proceeding that was filed onXX/XX/18
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have tried to access my credit report from Transunion for the last two months without success. Annual credit report gives me XXXX and XXXX with no problems but always sends me a reason they can not give me Transunion. The same issue happens on Transunion 's website, they give me a number to " consumer relations team '' which connected me to the dispute department, then they said they would transfer me to online website help, the phone went silent and I waited 20 min before giving up that someone was coming. Called again and the next representative gave me a different number to call to reach online support. When I called that number it sent me to the same automated system to be on hold for another 30 min before reaching yet again another representative that could not help me retrieve MY OWN credit report. It is not only extremely frustrating but a violation of my rights that they are withholding me the consumer from seeing my own credit report, and THEN making it extremely difficult, dare I say impossible to try and get a solution to THEIR problem.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 GS BANK-GM Account Number : XXXX Please remove it from my credit report. 


5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12
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: EQUIFAX, INC. (TX)

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Texas XXXX