davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (FL)

I called SunTrust bank this morning at XXXX est. I had an issue where I can funds available for a transaction and positive balance after the transaction. I was charged {$36.00} NSF fee and called to discuss with bank. 
I talked to a agent ( XXXX ) provided my issue as to what my online/app is reporting as activity, and the agent told me that this is not what is showing on her system, and offered to send over screen-print to have reviewed. I informed that not the consumer issue if their system reflects something different that the online system, we as customer rely upon our access to know what is available. 
The agent informed that due to a courtesy waiver was already completed in XXXX that she could not assist, and that this is all that she could report. The agent and myself did not meet an consensus about the final results and I asked to speak with a supervisor. 
Supervisor Mr. XXXX came on the phone, and informed of the same concerns. I was told the same information, and offered yet again to send over screen prints of the transactions, and the Supervisor bluntly was dismissive and when could not reach an agreed upon consensus I asked Mr. XXXX to transfer me to his manager, and told refused, and told understand if no one was available that he could take down my number and have them to return me a call. The Supervisor refused to escalate the call, and have a manager to return my call, citing my warranted and that I could place my concerns in writing, which is what I'm doing here. I do not agree with the bookkeeping of SunTrust, and not willing to accept information to make a fair assessment of my concerns or complaint. I was informed to place my issues in writing. the supervisor was rude, and dismissive and not customer oriented to assist the consumer. the form says that the NSF charge is for the fee of {$6.00} XX/XX/2019 when it was clearly a positive balance after the charge listed.
Consumer complaint received 2019-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (TX)

This Company " XXXX XXXX XXXX '' claims that I owe them {$120.00} and are now using a collection company called RGS Financial to report to my credit report that I am delinquent/past due on this. I have never heard of this company nor have I used their services. They refused to send me proof of debt with my signature. 

Contact info for RGS Financial is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX
Consumer complaint received 2019-07-23
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. (SC)

On XX/XX/2019, I mailed a dispute letter to Equifax explaining that they are reporting information regarding my XXXX auto loan incorrectly, stating that the account is an open account and that I am 90-119 days past due with a balance owing of {$21000.00}. I had asked that ( Equifax ) correct the information based on the documents I'd provided XXXX my XXXX account 's bank statement ), along with my dispute, to support my claim which shows that the account is paid in full, with a zero balance. Upon receipt of my dispute, they performed and completed a 30 day investigation for which on XX/XX/2019 I was notified in writing that the " information is being reported accurately ''. 

I've notified XXXX for assistance in the matter, in which, who also confirmed that this account is closed, paid in full. And they ( XXXX ) had advised that " I should dispute the matter with the credit bureau, for the credit bureau is the one who is reporting the information ''. 

I feel, at this point, I am going in circles, with no resolve.
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (PA)

XXXX runs an Urgent Care Clinic in XXXX XXXX< WV where I went for treatment. They took my information and credit card #, then asked what I was there for ... .I explained my symptoms and they said they could not help me and told me to go to the nearest Hospital / Emergency Room. I have filed multiple complaints with the company and they told me at one point they were dropping the claim that I owed them since they did not treat me - now I see this is the only negative mark on my credit! They have submitted this for collections ( through " Transworld Sys./XXXX '' at XXXX ). I need this to be removed and not reported on my credit. No service provided, no treatment rendered, but somehow they want to charge a fee.
Consumer complaint received 2019-07-30
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. (VA)

CitiBank lowered my credit limit after I made a large payment and now I'm not able to pay bills that I would have been able to make under my original credit limit. They only sent me an email the day they decreased my limit. I believe they lowered my credit limit so they could limit my cash back rewards that were part of the card. I have always paid the bill on time or within 30 days of due date.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN LOAN COMPANY INC. (TX)

Sun loan companyXX/XX/XXXX {$570.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-22
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. (FL)

Hello - I am a victim of identity theft. I have contacted Equifax several times and send in FTC reports to ensure that that they have all the information as it pertains to me. I am being a victim Over and over again. Equifax refuses to remove these accounts and the creditor still says that it is mine and sends me a copy of a statement as proof. How can a statement prove that this belongs to me? I have had my taxes taken by fraud, my bank account taken, bank account opened everything and no one at Equifax wants to help
Consumer complaint received 2019-07-25
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. (GA)

In XXXX of XXXX, Equifax experienced a data breach, which impacted the personal information of myself. I have inaccurate information on my credit report and I would like it removed within 15 days. I am requesting a letter of all removed information. 

Inquires : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX- Till today ( XX/XX/XXXX ) Bankruptcy Record on credit profile appears as " BANKRUPTCY CLOSED AND DISMISSED '' on EQUIFAX , XXXX AND XXXX XXXX XXXX credit  card  appears as included in bankruptcy chapter XXXX  on XXXX  and XXXX credit profile. 
XXXX XXXX Credit  card  appears as charge off/included in bankruptcy chapter XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC. (CA)

To whom it may concern, Our original servicer had been XXXX. We were asked to submit a modification package and we did that in XXXX of XXXX. After I sent the package off I called to make sure they had a complete package. I was told had that time that our package was indeed complete and we would get there decision in writing. We waited and called asking what the status was and each time we were told it was still in underwriting. XX/XX/XXXX someone came to our home and posted foreclosure papers. We were shocked since we were still awaiting a decision from XXXX. We called XXXX at that time and asked them about our modification package. We weren't really given any explanation. It was almost like they knew that someone had dropped the ball and they didn't know what to say. A woman by the name of XXXX called us late XXXX around XXXX XXXX and asked if we could re submit payroll and they were going to try to figure something out. We resubmitted payroll stubs we waited. we got a letter denying our modification for reasons that did not make sense. They said that we did not see our hardship ending anytime soon and that was not true.My husband was working we wanted to pay our mortgage. We submitted an appeal and we were waiting to hear back from XXXX and they sold our loan to XXXX XXXX at the end of XX/XX/XXXX. We immediately called XXXX XXXX asking what we needed to do. We were told to submit another complete package. We did that and we waited on the 30th day we got a letter stating that they sold our loan to Kondaur Capital. We call Kondaur Capital immediately. We were told for one entire month that our file had not transferred over completely. Once they got our entire file we asked what we should do. They told us to submit of modification package.We have had sale dates on our home since XXXX of XXXX. We have had to file bankruptcy to stop the sales. Our house had a sell date just last week we began calling Kondaur leaving messages and emails our representative XXXX XXXX would not call us back.Finally my husband called Kondaurs main number and told them he wasn't going to hang up until someone could tell him what the status of our loan modification was. our house was up for auction the next day.XXXX finally got on phone he said he been busy. When we asked about our modification he said that they had decided the night before not to approve it. That was on XX/XX/XXXX today is XX/XX/XXXX and we still have not been sent anything with why we were denied. We went and filed a skeletal chapter XXXX to stop sale. This is crazy. We want to pay our mortgage. My husband is back working making more than enough to pay. Why wont they give us the chance. Wont it cost them more to care for home and then have to sale it. We will continue to fight. We understand we are at fault but we have been trying to rectify this situation for several years now. The longer it takes the more behind we get.Please we just want someone to listen to us.This has been our home for 18 years we want to pay for it.
Consumer complaint received 2022-11-27
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: EQUIFAX, INC. (CA)

I have not given consent to have my credit inquired and the following companies have violated a federal law called the Fair Credit Reporting Act ( FCRA ). I would like to challenge the validity of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX of XXXX, XXXX experienced a data breach, which impacted the personal information of myself. I have inaccurate information on my credit report and I would like it removed within 15 days. I am requesting a letter of all removed information. 

Inquires : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2019-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.A.Rogers, Inc. (NJ)

I am lodging a formal complaint against ra rogers Inc collections. This debt collector has been reporting derogatory information on my three credit reports for a debt in the amount of {$13000.00} from XXXX XXXX XXXX XXXX. I have never been associated with this credit Union in my life. I have lived in XXXX XXXX NJ my whole life. I have never received anything in the mail from this company advising me of this balance. Which is a violation of the FDcpa. Debt collectors must send a notice to consumers which gives the consumer 30 days to dispute validity. I've never received anything from them. No mail, no phone calls,. Nothing. I am in the process of purchasing my very first home for my family and I ... and this derogatory account is holding me back from reaching our goals. I'm requesting immediate deletion of this account from my credit reports. XXXX, and attorney general complaints will be filed if this account isn't deleted.
Consumer complaint received 2019-07-25
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: BBVA FINANCIAL CORPORATION (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (TX)

Rentdebt Automated Collections They did not notify me of an alleged debt for collection with their company. The debt was for apartment move-out damages. 
They never sent notification to my known forwarding address, email or called me. If it was move-out damages, how could I still be living there. 

They Listed the debt on my credit report and did not provide verification of debt when requested. 

They did not remove the collection from my credit report and continue to report inaccurate information.
Consumer complaint received 2021-12-16
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. (GA)

Greetings, I have made attempts on several occasions to apprise all 3 credit bureaus of my concerns. I went through the process of filing an identity theft report and sending certified letters, to dispute an account ( XXXX  XXXX with a {$0.00} balance ) that is due to identity theft. 

Though I had an authentic identity theft report, I was told that the report was not authentic and the account remains on my reports. These credit bureaus are not exercising ethical practices consistent with the Fair Credit Reporting Act. 

I have recently sent letters to continue to request proof that the account in question belongs to me. The original address that they have on file is not an address that I have lived. They are continuing to send letters with old statements in response to my request to verify the account. They have yet to provide anything with any proof reflecting my signature. This is unlawful and it is negatively impacting my credit.
Consumer complaint received 2019-07-25
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: Resolve Partners, LLC (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
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. (NY)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central States Recovery, Inc. (KS)

This debt collector never provided me with information or documentation that they had obtained the alleged debt owed, which is in violation of the fair debt collection practices Act. Since XX/XX/2019, I have requested validation of the debt that I allegedly owe directly with the collector and submitted a documented dispute that the alleged debt is not valid. I have also disputed the debt on the credit reports to each of the three major credit reporting bureaus. This company has refused to respond to the validation request and yet continues to attempt to collect the debt. Even with the multiple disputes and failure to provide validation, the collection agency still has not placed a note on the account on any of the credit reports provided by the credit reporting bureaus nor have they removed the alleged debt from my credit reports. They are in violation of the Fair Debt collection practices Act and the Fair Credit Reporting Act.