davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Century Credit & Collections, LLC (CA)

Today, XX/XX/2020, I received a letter from Century Credit & Collections , LLC. This is the first time I have received a letter with my daughters name attached. It states false information. I called the company and spoke to XXXX XXXX who wrote the letter, she has always been nasty and mean to me in the past so when she knows its me she automatically is rude and careless about my concerns, her tone of voice and rudeness has proven she does not like me. I explained to her this is the first time with my daughters name attached she said oh yes, you have several accounts in collections with us explaining mine and now my daughters, so she combined her bills with mine and she said the amount and I stated no my daughter has a primary insurance and secondary and I have provided anything the union has asked for, she cuts me off and stated it doesnt matter that they are a third party company and she doesnt discuss insurance I said no insurance will pay she said too bad that this will be reported and it will damage my credit report. I told her I dont care ( because Im Upset, shes always rude and mean to me always threatening me ) and I know where to file a claim and she hangs up on me. I called back requesting to speak to the manager and she said she was and I said ok well you have issues and I will need to go above her because she would not allow me to leave a complaint, and she said she doesnt care and that she will notate that on my account and hung up on me again. 

Back to the union, every-time I spoke to the union they said all bills have been paid. This is the first I am aware this bill went to collection ( for my daughter. ) all my daughters bills have always been covered. I have emails correspondence with the union for any documents they request in order to cover my daughter. All her other well baby check ups have been covered I dont understand why this one is now reporting incorrectly and is damaging my credit.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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 15 USC 1681.

15 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 a 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Citibank stopped my checking account for no reason I've done my best effort to speak with Citibank 's fraud department but has gotten no reasonable answer so far. First, they did not even notify me about this account freezing. So my credit card payments and checks were all returned or rejected. Now I have to pay all the late fees and returned check fees. I realized my account was blocked because one of the credit card companies called and told my account was blocked. 

What's the best course of actions to reimburse this damage done by Citibank? The amount is not a lot, but I think this is completely unfair and they need to provide an answer why the account was blocked in the first place.
Consumer complaint received 2019-12-31
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. (PA)

I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2024-09-02
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. (CA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, my credit report has an inquiry which I don't recognize, I did not give permission to this company to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Consumer complaint received 2019-12-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I initially started a refinance mortgage with our current lender PennyMac only to find that they were unable to lend us enough money. Another lender was willing but needed a copy of the VA appraisal - that we paid for - to finalize the deal. My original request was on XX/XX/2019. As of this writing the VA appraisal transfer has yet to take place despite six phone calls, even more emails, to loan officers, customer service and the like. Yet what do I get for my faithful payments as a customer from XXXX - NOTHING. The current lender is now going to have to charge me {$1200.00} more because of the delay in transferring a simple VA appraisal from one lender to another - what strikes me as a fairly standard, and simple, process.
Consumer complaint received 2022-10-27
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-31
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. (NY)

I ordered a pair of shoes online from XXXX for {$220.00} + tax XXXX {$250.00} ) and paid for it with my Citibank Mastercard on or about XX/XX/2019. 

On XX/XX/2019, I received the shoes and tried them on at home and realized that the size was too big. I called XXXX because I wanted to exchange the product for a smaller size. The XXXX ' rep told me that I could return the product and get a refund and then order a new pair of shoes in a smaller size. The XXXX XXXX rep then emailed me the return label and confirmed int he email that I could get a refund. 

On XX/XX/2019, I dropped off the package containing the shoes with the Post office using the label that XXXX sent me and confirmed later by online tracking that the product was received by XXXX on XX/XX/2019. 

When I followed up on XX/XX/2019 about the refund, I got an email back saying that my merchandise return had been rejected and returned to me on XX/XX/2019. After getting this email, I went home and checked to see if any package was delivered to my home without me knowing about it. I discovered that a package had been delivered to me but inside the package were products that I had not ordered. On XX/XX/2019, I emailed XXXX and explained the situation. On XX/XX/2019, I emailed XXXX and asked if I can order a replacement shoes instead of a refund and XXXX emailed me on XX/XX/2019 to call their rep. I did so but was told that I had to pay for the replacement shoes and wait for the refund. So I ordered the replacement shoes for {$290.00} + tax on XX/XX/2019. But on XX/XX/2019, XXXX emailed me rejecting my claim for return/refund. I then filed a complaint with Citi. 

I sent Citi full documentation that XXXX 1 ) allowed the return and refund as per the XXXX email dated XX/XX/2019, and that 2 ) I sent the merchandise back using XXXX ' return label on XX/XX/2019, and 3 ) I even showed that proof that it was it was XXXX return merchandise vendor that messed up my return with another order for XXXX XXXX XXXX that had nothing to do with me. I showed them that in the box that contained worthless products that I did not order ( which XXXX sent back to me claiming that was what I had sent them ) was a letter from XXXX XXXX XXXX rejecting the return. 

Despite this, Citi rejected my claim and says that if I have documentation that XXXX agreed to credit my account that they may be able to help me. 

In sum, I have paid for XXXX pairs of shoes ( {$220.00} + tax and {$290.00} + tax ) but received only XXXX pair of shoes. XXXX refuses to acknowledge that the company that handles return merchandise for them ( and apparently also for XXXX XXXX XXXX ) made a mistake and despite documentation showing the likely way in which that mistake occurred.
Consumer complaint received 2024-09-02
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. (CA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

I XXXX XXXX just finished paying off old credit card debts through XXXX XXXX XXXX. XXXX XXXX XXXX maintains that they purchased one of these debts from Citibank N.A., back in XXXX. I state for the record that I know XXXX XXXX XXXX has told me directly that all references to the posted collection will be removed within XXXX-days from the last payment of XX/XX/XXXX. I respectfully request that this collection be removed on all bureaus, i.e. XXXX, XXXX and XXXX XXXX respectively. Thank you!
Consumer complaint received 2018-08-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sign on the Line, Inc. (CA)

XX/XX/18 Received a call from XXXXand the gentlemen state that he was VA Benefit and wondered if I had 3 minutes to give him. I was like I am sorry who are you with. he again responded with VA Benefits. I then asked him if he was with VA Office directly and he responded by saying that he was now with the VA Benefits Depart of sign on the Line out of XXXX County.  This company was trying to imply or initial represent that they were with the VA. But because I asked the right questions and made him slow down and readvise me who he was with and who they were where. I was able to get him to admit 1 ) no there were not with the VA Benefits as he initially stated 2 ) phone number is out of XXXX XXXX CA ( XXXX XXXX County and he stated that they were out of XXXX County California which goes with what I was able to find online when I XXXX their name but their phone number is different than what showed up on my caller ID. 3 ) I am on a do not call list through the FCC and they never checked that list 4 ) the simple fact that they are call disabled Veterans and using a play on words should to show misrepresentation of who they are and that they are not with the VA Administrations office at all
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MO)

Within the first 120 days of the loan I made XXXX payments and directed them to be applied to principal only. They have not been applied to principal and I have been accruing interest on the original principal amount.
Consumer complaint received 2020-01-03
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. (FL)

I am a victim of identity theft. I received a phone call from a bank about a loan that I had not applied for. That prompted me to pull my credit report to check for possible identity theft. I noticed that someone had been, and is still currently using my personal information to apply for credit cards and to open checking accounts. I CAN'T BELIEVE THIS!
Consumer complaint received 2020-01-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On my XXXX  credit report there seems to be an unrecognized account that has been active since XX/XX/XXXX a XXXX student loan XXXX and that is still active of XX/XX/XXXX, please help me it reads that was joint account.. why is it showing on my report. I have been trying to find help for several months and running out of ways of trying to find out what my best options are
Consumer complaint received 2018-08-23
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. (PA)

There have been several hard inquiries on my Credit Report from XXXX and Transunion that I did not apply for these credit cards. I need these to be investigated. 


XXXX XXXX - on XXXX from TransUnion XXXX - on XXXX from TransUnion XXXX - on XXXX from TransUnion XXXX - on XXXX from TransUnion XXXX = on XXXX from XXXX  XXXX XXXX = on XXXX from XXXX
Consumer complaint received 2018-08-23
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. (TX)

So I get this alert today from the Credit Bureaus that a new Hard Inquiry was added to my credit reports. And Im curious on how they got there because I have not applied for any kind of credit or credit card. Im flattered how the Credit Bureaus allowed this to hit my report when I have my credit reports locked. 

I assure you 100 % the hard credit inquiry that hit my credit report today was not done by me and I will continue to file complaints until it is removed from all 3 reports.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

dear gs bank/apple This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

Line Item : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2019-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bryant, Hodge & Associates LLC (SC)

Contacted by Bryant Hodge & Associates XXXX about {$3700.00} XXXX account XXXX XXXX spoke to XXXX and XXXX. XXXX I had paid for sold off XXXX debt to XXXX XXXX XXXX Spoke to XXXX XXXX XXXX. It was for account number XXXX. 
In house account number XXXX. 

I called XXXX to confirm how many accounts I had via my SSN. Only one shows. They gave me contact info to the company that the debt was sold to. 
XXXX XXXX. XXXX. They confirmed the account number XXXX was the only account number applicable, and that Bryant Hodge & Associates were working on an error or fraud. 

I explained this to Bryant Hodge & Associates and offered my email XXXX to receive debt verification. They declined to do so. I now get calls threatening court summons from them at XXXX.