davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

On the date of XX/XX/XXXX2024 I sent the first letter via certified mail to LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES to verify and validate that the alleged debt owned is indeed mine. They then responded with an online account summary report., On XX/XX/XXXX2024 I sent out another letter via certified mail, this time I requested complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX. XXXX  XXXX. Please provide verification by line ( with an explanation of each item such as when the purchase or change took, and how much each amount was etc. ) for the entire amount you say I owe obtained directly from the ORIGINAL CREDITOR. Date of last activity. My full, complete and correct social security number that may help identify me as the correct person you are trying to collect from. Agreement that bears the wet signature ( NOT ELECTRONICALLY ) of the alleged Debtor wherein he agreed to pay the original creditor. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money you claim I owe. Proof of ID that was presented to you at the time of the incurring this debt. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XX/XX/XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase the request clearly to obtain : The source of a debt and the amount of a bad debt buyer paid for the plaintiffs debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus and documents conferring authority on defended to collect debt. Prove that this debt has not been written off as a tax liability. Any other intimate knowledge of the creation of the debt by you, the collection agency.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this follow-up communication to apprise you of my previous complaint, dated XX/XX/XXXX, regarding my status as a victim of identity theft. As stipulated in FCRA Section 605b, Credit Reporting Agencies are mandated to expeditiously remove any items identified in an identity theft report, specifically under reference number # XXXX. Enclosed herewith are the relevant documents, attached for your reference, to facilitate the removal of erroneous information and inquiries that have been erroneously posted to my credit report. The following list comprises items that neither belong to me nor were opened with my explicit permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-12
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I had an account with Lowes and they closed my account without my authorization. They claim my balance to Account ratio was too high and I had a collection account. The collection account was fraudulently opened under my name and is under dispute with XXXX and XXXX. I am requesting they open my account back up since they are using my information ( unauthorized use of my Social Security Number ) and not providing me with any services in return. They are also committing Security Fraud as they are registered with the SEC and according to their Finance Reports they are writing off my credit card account balance every month and accordingly they do not have authorization to close my account. I am attaching pertinent documents and will follow up and report them to the SEC and FTC if they do not comply with my requests.
Consumer complaint received 2024-05-11
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (ID)

I attended XXXX XXXX XXXX in XXXX from XXXX of XXXX XXXX of XXXX. The lies that I was told to secure these loans were unconscionable. I was told the school would assist with job placement. I was told that these loans would be easy to pay back. I was told that it was easy to secure a job with this degree. I was told that my credits were from an accredited school and would transfer to another school without issue. This was all false information. In XXXX, the remainder of my loans were paid in full. Over {$80000.00} worth of loans were paid back only because the home I lived in, that my in-laws owned, was sold. Some of the money from that sale was used to pay off my loans. I was being crushed under the weight of my loans. So many financial things in my life were denied because of my insurmountable student loan debt. I was told that school was about {$40000.00} and I took out around another {$12000.00} to help my family while I was in school. How does it balloon out of control like that? I paid almost double, if I did the math correctly, from what I took out. Fluctuating interest rates caused principal payments to be worthless. How do these companies, Navient and XXXX XXXX specifically, get away with such things? Hardly any of my payments went towards the principal. It wasn't until a home got sold did this get fixed. Many people are getting their loans cancelled and refunded. Obviously, I no longer have this debt but I do deserve to have it refunded to me just the same as the unfortunate people who are still paying or are in default are having theirs refunded. When I have tried to reach out to Navient, they are no help because I no longer have loans with them.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNCOAST CREDIT UNION (FL)

SunCoast credit Union committed XXXX and stole the money I had in my account I had a few XXXX dollars in my account then all of a sudden they charged an over draft fee for a non existent charge. i didn't receive any charge to where they should charge a fee and when they charged the fee then they used that fee to charge another fee then for every fee they charged they kept using the fee 's to charge other fees until they put the account into a negative balance.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have tried multiple disputes with experian to try and resolve getting a public record removed from my report. They keep saying the company that reported this to them says its accurate but I have a statement from the company showing otherwise. I submitted this form to them and get no answer.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

I called Citibank on XX/XX/2024 about two transactions that were still pending on my account ( pending dates XX/XX/XXXX for the amount of XXXX XX/XX/XXXX for amount of XXXX ) but posted on XX/XX/2024 for the amount of XXXX and the other one on XX/XX/2024 for the amount of XXXX the lady told me I double charge my card, but that was not true. She was just telling me anything because she didnt have a answer for my question. I asked the lady was she able to release my funds back to me as a credit since it had posted but still was pending she stated they dont do that and that they can Monitor my account about the activity give me a case number XXXX. On XX/XX/XXXX the 2 transactions that were pending had posted and I received my money back. I was able to use my card all the way up until XX/XX/XXXX went to XXXX XXXX came home logged into the Citi bank app and it said that my account was blocked I call to see what was going on with my account the lady told me my account was under investigation gave her all my information for a verification call told me I received a call within 24 hours. Still havent received a call or a letter resolve the problem
Consumer complaint received 2024-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (WA)

I requested a wire transfer from my ally savings account at approximately XXXX Pacific time. Transfer was to occur by the close of business today. I called ally customer service just before XXXX XXXX today ( XXXX eastern ) as wire status was still reviewing. I was disconnected from our phone call when they were investigating. I then contacted them through chat and was told that any wire submitted after XXXX would be transferred by close of business the next day. It is now XXXX pacific and the wire request remains in review and they only state that I will receive and email when it changes status to requested. We close on Monday and if money does not arrive we will be in breach of contract.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have been sending letters and reporting constantly for almost an year now and this problem has not gotten fixed, XXXX XXXX XXXX is reporting on my credit profile and all information is inaccurate even with the very first letter i received from them their information is and was inaccurate and inaccurate information reported on the credit profile should be removed immediately and not replaced back on the credit profile. 

XXXX XXXX XXXX purchased debt from XXXX XXXX XXXX XXXX, A debt that has been reported to the IRS As a complete CHARGE-OFF, i was allowed out of my lease due to harmful mold as i have all emails to prove that statement and it will be attached to this complaint, I demand XXXX XXXX XXXX To be removed from my credit report Immediately and not be placed back as they are violating several consumer laws as i stated. i have already sent letters to validate and all came back inaccurate and not within the 30 day i had given credit bureau please remove NOW.
Consumer complaint received 2024-01-08
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: ALLY FINANCIAL INC. (FL)

ALLY FINANCIAL- XX/XX/2023 XXXX- XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 ALLY FINANCIAL- XX/XX/2023 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had this information removed from my credit report. It was re-inserted without me being properly notified. This is a clear violation of FCRA I have enclosed a copy of my consumer report from XX/XX/2022 where it was removed and a consumer report from today showing that info as being back on my report without following proper procedure as outlined by the FCRA. 

15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

( i ) Certification of accuracy of information - If ANY information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information- As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted.

( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

According to my records, your company has done none of the above and if you have, please provide dated proof that you have provided me with ALL the provisions above. If you can not do that, THIS IS A CLEAR, AND DIRECT VIOLATION of my rights as outlined by the FCRA. The item must be removed from my report.
Consumer complaint received 2023-12-04
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: EQUIFAX, INC. (WI)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I bought a Vanilla Gift Card on XX/XX/2023 ( {$400.00} ) at a XXXX in XXXX NC. Immediately after ( within min ) the purchase of the card, I attempted to use it to pay a bill and was told by the person processing the bill payment that the card was declined. I went back to the XXXX where I purchased the card and the manager stated I would have to contact the card servicer of Vanilla Gift card. 
I contacted them on XX/XX/2023. A rep asked me to email a copy of the receipt and the card to create a case file ( Case # XXXX ) and it should be resolved between 5-7 business days. I have made several calls to the card servicer. It is now XX/XX/2023 with no resolution to date.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

I've already disputed this item with each bureaus, but they did not remove it, nor prove validation.

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
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act CREDIT BUREAU ACCOUNT NAME & # has violated my rights on DATE ACCOUNT OPENED for BALANCE OWED. 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 an account without my written instruction so therefore I need these accounts removed immediately.
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have ask Transunion several times to remove a credit freeze off my credit report. And they still have yet to do so. I can not handle any business or receive any credit due to this issue I have call on three different occasions and tried over the phone and online XX/XX/19 XX/XX/19 XX/XX/19 could someone please help me resolve this issue
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (VT)

IN RESPONSE TO CFPB COMPLAINT : XXXX UPON ASKING THE COLLECTION COMPANY PROOF OR VALIDATION OF THE ACCOUNT IN QUESTION, THEY REFUSED TO SEND ME ANYTHING, JUST A RESPONSE TO FORWARD A POLICE REPORT, THIS IS MY XXXX REQUEST. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I Reported : XXXX. XXXX, XXXX - {$2200.00} Needs Attention 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 agency 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 TRANSWORLD SYSTEMS I Reported : XXXX. XXXX, XXXX - {$2200.00} Needs Attention 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 XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.