davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Attempting to collect a Credit Card debt for 12 XXXX XXXX XXXX  XXXX XXXX Never had a card from this bank. Disputed it and never received anything back to valid date account was from 12 XXXX   XXXX XXXX  XXXX XXXX being reported on Credit Bureaus since 2018 and marked as disputed. Again never received anything to validate. This should be removed cause they are falsifying the credit report and is in violation of the FCRA. 

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XX/XX/2018 ( 1 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name 12 XXXX XXXX XXXX XXXX XXXX   CONTACT INFO LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-04-21
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. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

ON XXXX last year I realize my Macys credit card was higher than usual I was charged A CREDIT PRO FEE which was XXXX when I took a look at my statements I was been charge this same fee every month. 
I call Macys and they told me they don't deal with it and its a 3rd party company who serves as insurance of the card I tried to explain I never sign up for it but they wouldn't hear me so I call XXXX XXXX  at XXXX XXXX XXXX. 
when I called I spoke to a lady and she told yes " I been part of the program since I opened the card back in 2012 and I being paying a percentage of my balance, I tried to explain to her I never sign up for this and at the moment I opened my Macys credit card the sales person at the store helped me with the transaction, I close the membership at the time and I requested my money back because it was something I never signed up for and maybe the person who helped me open the card ( a macys employee ) did it for me ". 
A few weeks after macys contacted me saying they will not do it even tho I never used the insurance but if macys doesn't want to hear the complaint why are they answering on their behalf?
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT PROFESSIONAL DEBT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agenc
y under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL DEBT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-21
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. (MI)

Trans-union refuses to process the request that was forward over to them in certified mail that stated XXXX XXXX documentation associated with this account bearing my signature delivered XXXX XXXX
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called Capital One to explain I had lost income due to Covid 19 and asked about programs to prevent the interest rate from continuing to accumulate. They could do nothing for me. My other card has no interest for a year so I decided to pay the fees to transfer the balance from Capital One to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX sent the money to Capital One on XX/XX/XXXX ... Capital One continued to charge me interest on the over {$2500.00} and did not process the balance payment until XX/XX/XXXX. 10 Full Days is a ridiculous amount of time for them to continue to charge me interest during such a horrible time. Their lack of compassion and willingness to assist a client in a difficult situation cost me over {$100.00} in fees to transfer funds. I don't feel I should have to pay interest on that balance for all those extra days they chose to take their sweet time squeezing me for more $ XXXX 

I tried to call them but they said it would be over an hour on hold to talk to them. I decided I would handle it in a more time friendly efficient manner.
Consumer complaint received 2020-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XXXX I have disputed accounts with XXXX  XXXX  and Transunion. Accounts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have reported on my credit report. I have requested documentation from all companies listed above including all credit agencies. 

What was requested : Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX has never responded but credit agencies reposed as validated and never supplied proof which was requested. 

XXXX is now being sued by me in regards HIPPA violation and still reporting as valid with no proof from credit agencies. 

XXXX XXXX XXXX never responded to the original letter and should have been removed after 30 days of no response. Credit agencies still report as vaild without validation. 

XXXX XXXX has not been validated there has never been any business conducted with myself or this company and has not been validated but still reported as valid. 

The credit reporting agencies have ignored my request and have not supplied any supporting documentation that these accounts are valid.
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NJ)

Citi Cards have restricted me from speaking to a customer service agent via telephone or " secure chat '' on their mobile app due to a dispute over an annual fee refund. On a recorded line a Citi authorized agent agreed to refund the annual fee due to poor service and lack of transparency. I must note again the event was via a recorded line! In addition they failed to adequately service a co-branded card, which had a legal dispute ... resolved confidentially via the merchant and I. As a 13 year Citi Gold customer I am disgusted they will not let me downgrade or close my Citi Prestige card via online or telephone ( I want a product conversion as a closure would lower my credit score ). They want me to write in to South Dakota during COVID-19 putting myself and family at risk to get stamps at the post office ( unnecessary when staff is encouraged to work from home ). I am outraged that they hold my deposits and three credit cards and charge me an annual fee of {$490.00} for a travel card when travel is essentially restricted to essential work not leisure. Citi should be investigated for putting their premium customers at unnecessary risk during these uncertain times in an attempt to mask their poorly trained staff 's lack of basic service. I think I have a right to challenge a top 4 US bank if they lie and try to cheat a customer ... after taking billions in tax dollars in a bail out. In addition I am a shareholder of Citi and thought the institution learned from their previous regulatory fines.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

Credit score is frozen and lowered to a misrepresented score that doesnt match history. No inquiries or no new credit accounts. All payment history represents stellar payment history for over 15 years and 1 open account with a payment history reflecting stellar for 4 years never delinquent. The two credit bureaus owned by XXXX XXXX are XXXX and Experian these are the only 2 reflecting negative scoring. These scores were altered and its history by XXXX to reflect negative scores.While they both have different scoring models somehow they show the exact same score of XXXX. The score of XXXX does NOT reflect 15 years of stellar payment history nor is it a reflection of the current account of 4 years stellar payment history.
Consumer complaint received 2020-04-21
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. (CO)

XXXX  and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days past due on the DEPTED/XXXX  partial account number XXXX. XXXX  ; XXXX  and Transunion are also reporting that I am ( 120 180 ) days past due on the DEPTED/XXXX  partial account number XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items 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 2020-04-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (CA)

I am writing a letter of complaint regarding XXXX and Enhanced Recovery Collections Agency. I did have XXXX service 8 years ago but cancelled it 2 years later because I didn't utilize the TV service. I had no recollection of owing any money to XXXX because I always paid my bills. I had not received any notices or phone calls since I cancelled the service over 5 years ago. Fast forward 5 years, In mid XXXX, 2019, the lender alerted me to a collections notice that appeared suddenly on my credit report. It was from Enhanced Recovery Collections for the amount of {$380.00} for a debt from XXXX. It sank my credit score! I called XXXX immediately. They couldn't retrieve any information because it had been so long since I cancelled their service. I called on two separate occassions and on both calls was told to wait a week for a call back from their administration. I never did receive a call back. Meanwhile, my credit score has been held ransom from an unscrupulous collection agency and I am unable to refinance my mortgage. This is criminal to hijack someone's personal identity and ruin their financial credibility! It is about the principle of the matter and I refuse to pay a debt that I do not owe. I wonder how many other people have been victims of this type of wrongdoing?
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NC)

I am disputing the XXXX, XXXX and XX/XX/2019 derogatory credit reporting. I was under forbearance at that time and should not have been reported delinquent. The representative I spoke with afterward was supposed to correct the credit the reporting, and that never happened. She did setup a new payment due date and monthly payment amount, but never fixed the credit reporting.
Consumer complaint received 2020-04-21
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. (IL)

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX  XXXX XXXX never late XXXX   XXXX not mine COLLECTIONS 01 XXXX XXXX   XXXX  XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} not mine 07 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8500.00} not mine 08 XXXX XXXX A XXXX {$580.00} not mine 11 XXXX XXXX {$180.00} not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-04-21
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. (VA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under F

RCA, Section 616, and pursue legal action. -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.
Consumer complaint received 2020-04-19
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. (GA)

My Ex Husband stole my information ... .he filed for these things and his credit reports are clean and all was reported to mine ... .these accounts are fraudulent ... I have never filed for bankruptcy or any of these other accounts listed on my credit reports ... .I filed a police report and and Identity Theft affidavit in which I submitted to all 3 bureaus and nothing has been done ... these accounts should have been blocked and or removed within 4 business days per section 605b of the FCRA.

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

all documents are attached with dates ... .please advise!
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union is reporting my name as my maiden name even though I was married XXXX   years ago. I submitted a dispute including a Marriage Certificate, CA Driver 's License and Social Security card, all with my married name, and sent them a dispute by mail asking that they accurately report my name. When their reply came back, it was addressed to my maiden name. They continue to use this name even though it is NOT my name. 

I've already been denied credit because of their inaccurate reporting. I informed them of this and even included the credit denial in the dispute letter I sent. That denial is still on my credit report. 

This is the SECOND TIME I've sent this information to Trans Union. In 2016 I sent my driver 's license, social security card and a utility bill to prove that my maiden name was no longer valid. And they did nothing. 

Trans Union is flagrantly violating the law and their inaccurate reporting is, and has, ruined my chances for credit and caused me severe and grievous harm.
Consumer complaint received 2019-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (PA)

In XX/XX/2019 I instructed rep from company by phone conversation to cancel scheduled automatic payment withdrawal for XX/XX/2019 from my checking account. The rep said she would do that and added that my automatic payments were turned off. I told the rep I would call back with date for withdrawal of payment. 
On XX/XX/2019 Lending Club withdrew from my account two payments totaling XXXX causing my account to go negative and adding bank fees for other overdrafts caused by this. 

Note : the company records all conversations but refused to play conversation to me when I complained.