davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This account was charged off on XX/XX/XXXX on XXXX, it also states on XXXX it was charged off in XX/XX/XXXX, it shows no payment history on transunion.on XXXX every month it charges off in the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows no data in XX/XX/XXXX and Charges off in XXXX XXXX XXXX to XXXX charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX on XXXX it shows 120 days late in XX/XX/XXXX and on XXXX it shows 120 days late in XXXX XXXX XXXX  it shows date of late payment as XX/XX/XXXX and both XXXX and transunion it shows no date of last payment.On XXXX  it shows no balance update and no balance, on XXXX it balance updated XX/XX/XXXX and {$0.00} balance and on transunion it shows balance up dated XX/XX/XXXX and {$0.00} balance.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosed is a copy of my most recent credit report
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is in reference to Complaint ID XXXX and XXXX I fail to understand if the Company is actually reading what I am complaining about!!!! 

I am NOT ASKING TO REMOVE... I understand that for history logs it must remain on file. 

I am asking for it to be NON DISPLAY ... as was requested by the vendor THREE TIMES since XX/XX/XXXX- and yet Equifax is not changing it to NON-Display and claims it never received any correspondence from the vendor ( attached document ) If the Vendors response ( attachments included and are cced to CFPB by vendor ) ... each time they state " We have confirmed that a request to Equifax was made on XX/XX/XXXX, to change the XX/XX/XXXX, inquiry to a non-display inquiry. '' and after the first one they also stated " You will need to contact Equifax directly if their records are not updated as we have made multiple requests to have the credit inquiry changed to a non-display inquiry '' ... but upon contacting them they claim they never received anything from thee vendor ... and upon filing a dispute Equifax reply is " >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX ''
Consumer complaint received 2024-02-02
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. (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. 

XXXX XXXX XXXX 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 2023-06-23
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: BARCLAYS BANK DELAWARE (MD)

Barclays Bank of Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate info on all 3 of my credit reports ( XXXX, XXXX, XXXX ) . The account has been paid off and the third party collection agency has deleted their trade line from my credit report. The creditor has agreed to remove this charge off from my credit reports but it is still reporting each month. I have disputed this account through each of my credit reporting agencies but they all validate the data with no changes.
Consumer complaint received 2023-06-23
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: TRUIST FINANCIAL CORPORATION (VA)

These inquiries are causing a negative impact on my XXXX XXXX, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2024-02-02
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: EQUIFAX, INC. (FL)

XX/XX/XXXX Dear Equifax : This is a brand new complaint - you need to remove these unauthorized hard credit inquiries that are damaging my credit. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Please remove all the above inquiries from my credit report.

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-02-02
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: Manhattan Beach Venture, LLC (AL)

In reference to the complaint ID XXXX. The US Department of Education failed to reply or fix issues related to said complaint ID XXXX. They Violated FERPA 20 USC 1232g ( B ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. The accounts are also over 7 years old which violates FCRA. They are also reporting conflicting information across all credit bureaus. Tender of payment was made and not applied to account. These matters has caused both stress and endangerment of my life. On contract with XXXX XXXX  and XXXX which are now transferred to US Department of Education Default Resolution group, the promissory note states they would not share my personal information with any third party which XXXX sales information about consumers on XXXX which includes my personal information through both direct and Indirect Channels According to their SEC Registration XXXX, XXXX form, and this violates FERPA and the privacy act of 1974. XXXX acquired XXXX XXXX, a third party which also holds US Department of Education accounts on my credit report from XXXX XXXX, and buy and sales information which is a breach of The Privacy Act of 1974.XXXX  uses the XXXX XXXX  exchange without my consent of soliciting my personal information breach of the Privacy act of 1974.
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION (IL)

When I 1st got the car it was having modular problems the car has to to be restarted every XXXX miles I reported to the dealer who tired to fix it twice and failed. I was sent to there dealer ship in Indiana twice the warranty was expired by 4miles I explained to the dealer youve been sending me to your shop Indiana to riverdale the fact that its not fixed is and should be under warranty it you hadnt had me take the car to your shop twice They said it was nothing they were going to do any the warranty was up which was XXXX miles or 3 months what ever happened 1st The insurance is being paid out of pocket when the care note is supposed to cover all sums The deceptive practices is I had to pay a down payment of XXXX after I was told it was {$500.00} down. Every time I came in. It was XXXX thing and it ended up being another. I had to pay some more money receive cars that didnt run and broke down. It was eventually repo of the cars that they are selling. I dont know accident cars or previous history. I feel like the vehicles were misrepresented and didnt last the length of the loan and, I want a refund after I got the car back from XXXX XXXX drove the car was on flats I had to replace tires, my windshield wiper were broken my windshield was cracked my gas was gone the car wont say running and it cuts off in traffic even more than before they dont wan na admit the damage they did I was going through the finance company I gave them pictures and videos and everything but they didnt want to take responsibility for the damage when they took the car the car cuts off and it doesnt run at the same even worse than before and its just a headache and inconvenience. I want a refund and all payments made return under law I have the right to recent the deal at anytime for any reason the car wont pass emissions so its a problem the dealership gave my a warranty that was bad but the riding back forth and not getting fixed should be there responsibility the refuse to compensate me for the vehicle in anyway they did me dirty and did my kids the same way I referred them to the same car lot and they cars went down faster rhan mine my son car the trans went out my daughter front in fell down and her lights didnt work and she went to the dealership a number of times until the warranty expired hurtful me and my family have been put through with this vehicles I want to finish with the damage that was done during the repossession was intentional vandalism my windshield wipers didnt have whatever that was tide to them in one of the the guy had to put air in the tire when I picked it up and I had to by a tire the next day
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (FL)

Greetings, I sent a certified validation letter, cease and desist and affidavit of truth to LVNV Funding LLC on XX/XX/2023. They are a debt collection agency that I do not know and have never done business with. My information was passed on to them by XXXX. They were given my information by XXXX. I also sent XXXX a certified validation letter, cease and desist and affidavit of truth as well on XXXX XXXX. 
Then my information was passed on again to another company after LVNV received my certified letters. I received another letter from Resurgent Capital Services on XX/XX/2023. I do not know who this company is and I've never done business with them before. 
I also recevied another from a company called XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 and XX/XX/2023. They were also given my name and private information by LVNV Funding LLC. I also sent XXXX XXXX XXXX XXXX a certified validation letter, cease and desist letter and affidavit of truth on XX/XX/2023 as well. My letter was returned and unclaimed after it was sent to the very address XXXX XXXX XXXX XXXX billed me from. They refused to take my letter. 
So all in all. My information has been breached on several occasions by LVNV and all these companies are in collusion with XXXX and XXXX without my permission and against my consent.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (SC)

I recently tried to acquire a place to rent and was advised by XXXX, XXXX that I had an outstanding balance and/or judgment for rent with company : XXXX XXXX  XXXX , XXXX associated address : XXXX XXXX XXXX, XXXX XXXX, SC XXXX. This information is completely false and reporting inaccurately on my report. I have never resided at this address nor been associated with this address nor have I ever done business with the listed company. I am a victim of identity theft and I have filed a complaint and obtained a identity theft report which is attached with this correspondence.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

I had my graduation party XX/XX/2023 and received graduation checks. When I tried to deposit the check I forgot to write my name on one of them so Chase Bank restricted my bank account around the beginning on XXXX. They told me they had to verify the checks but refused to contact the correct numbers for those people that gave me the check. The money has been taken out of their account and chase is holding on to the money and refusing to release the funds. They are saying that THEY have to call the numbers that are attached to whatever address is attached to checks even though those number do not work. Also they refuse to receive verification when they go into the bank face to face. So they are holding on to {$300.00} they refuse to release. I tried multiple times to go into the bank and they dont do anything and when calling over the phone they dont do anything either. This is illegal.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Aspen Yo LLC (OH)

Gregory funding not reporting payments or mortgage balances to credit bureau and ever time I get credit score it says lack of realistate history hurting my credit score which makes me pay higher interest rates because of lower score how is this fair credit reporting
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (CO)

I have previously submitted a complaint against this company. They have now ( XX/XX/2024 ) called me more than 7 times in a 7 day period. They call me starting at XXXX & proceed to call every 2 hours or so.
Consumer complaint received 2023-12-30
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: CCS Financial Services, Inc. (CT)

Hi my name is XXXX XXXX and I have some credit towards XXXX XXXX so they send me letter of credit collection service and I paid them on XXXX  from my XXXX XXXX XXXX ( ref : XXXX ( pin : XXXX ) Now again they send me 2nd letter which I received on XXXX XXXX ref number is ccs number XXXX XXXX I have paid fully pls take my name out from the list
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COAST PROFESSIONAL INC (OR)

On XXXX Coast Professional Inc contacted me. The conversation went, " this call is being recorded, Is this [ my name ]. I answered yes. They said they needed identifying information to verify that it was me. I asked who they are. They said that they could not tell me until I gave them my info. I continued to ask who they were. They said that they sent me a letter, and only that they sent me a letter, no other information to identify said letter. I asked what they do, they said they handle personal business. I said they sound like scammers. They said they were not, but gave no additional information. After a bit of back and forth they grew tired of me and transferred me to their supervisor, who used my full name, not just my first name, and continued to refuse to answer the most basic information about who they were. They decided to give up and end the call. I XXXX the number that called me and the name above came up. So I called a different number that I found on the internet, and asked if what I experienced was normal behavior. The individual basically indicated that it was normal and said that there are laws that prevent them from identifying who they are until they know that I am the right person. They called again on XXXX. Again demanded to know my personal information with out telling me even the most basic information about who they are. When they said they sent me a letter again I asked if they thought that was the only letter I got. And they did tell me the name of the company. ( only because I said that I was the name they were looking for, if I want more, basic, information about the company I had to prove who I was ). At some point they said that they have my entire SS number right in front of them, so if I would just tell them the last four. Said that since he told me the name of the company I should just XXXX it. also said at some point that there are laws that prevent him from giving me information about the company. when I pushed back with, the information that I am asking for is publicly available information, he said it was policy not to say.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I received my citi visa credit card bill on XXXX the XXXXXXXX XXXX which announced that the APR on my credit card has been raised to 29.99 % of the balance on the credit card. When I telephoned them on XX/XX/, their representative XXXX explained that this increase was due to the fact that my wife made her payment 1 day late. XXXX also explained that citi visa may or may not lower the 29.99 % interest rate in 6 months. It is at their disgression. I feel this is totally unjust, and I would like you to make them lower the interest rate to below 20 % APR. Thank you.
Consumer complaint received 2023-06-23
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. (WI)

On XX/XX/2023, my Citibank credit card was charged {$240.00} by XXXX, a grocery delivery service. Even though I was on vacation in XXXX XXXX, Florida, the XXXX delivery was sent to a town in Georgia. I immediately called XXXX, said that I had not placed the order, and that it was a fraudulent order. The XXXX representative told me that they would return my money as soon as possible. 
I also decided I needed to get a new Citibank credit card, in case someone had stolen my identity. 
After not getting a refund from XXXX, I disputed the charge with Citibank, but after crediting my account, Citibank investigated the incident and decided that I was responsible for the charges (! ) Its been XXXX months now, and theres been no reimbursement resolution. XXXX said it wasnt their problem, and Citibank said it wasnt their problem. 
I have called Citibank at least four times, and they have never give me a clear answer as to why the charge was not credited back to my account. They always said they would send it on to their fraud department and investigate it further, but no one has ever gotten back to me from Citibank. Its been XXXX  months since the incident happened!
Consumer complaint received 2023-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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