davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

I called to INQUIRE about closing my account due to citibank account changes. I told the agent I would call back to close my account once I recieved more information on redeeming my thank you points first. I check my account online XXXX  days after speaking with the agent and he had closed my account the same day I spoke to him as an inquiry about closing my account, not to close my account on that day.
Consumer complaint received 2024-01-02
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (KY)

Date XX/XX/11 I spoke with some from IQ data asking for verification, she was rude toe because I kept asking for a verification letter to be send. 
I called again XXXX I spoke with a guy and he was complete rude to me on this phone call, before hanging up the phone I told him I had another question and he was so rude and was like what you do want?? It was so in professional with how they are handing me.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  on accounts XXXX, has violated my rights.

15 U.S.C 1681 Sec. 602 A. states that I have a right to privacy.

15 U.S.C 1681 Sec. 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Credit agency ( XXXX in total ) won't remove my XXXX loans. I have made multiple dispute requests since discharge. ( XXXX approved full discharge of all loans ). I have even tried to understand how they made it to the credit agency because they were. Not classified in default or late. I was on an approved payment plan/income program with lender and the loans are sitting in multiple credit agencies. Explained to credit agency that XXXX approved full discharge, I mailed paperwork dated XX/XX/2023 of approved discharge and letter regarding loans being removed. Credit agency won't remove discharged, they are leaving them on to XXXX. Its illegal to leave XXXX loans in credit profile. 


Other issue is XXXX loan was fully paid off and balance is incorrect. XXXX said they would have debt removed. Vehicle was in accident and Insurance paid out check with XXXX insurance finishing the final payment. Car was fully paid for in full.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX, the first direct deposit from my new job was deposited in the account. Later that day, I got a notification that a XXXX XXXX accepted {$200.00} through XXXX. I had never heard of this individual, he wasn't in any of my contacts, and I wasn't even making any transactions to provoke such a withdrawal. 
I managed to contact someone from Chime that actually addressed and reversed the charges that evening, but the next day, XX/XX/XXXX, the same {$200.00} had been taken out by XXXX XXXX via XXXX, and I've been trying to recover it ever since.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking your responses I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$120000.00}, XXXX XXXX Balance : {$36000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} 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 2024-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bilateral Credit Corp, LLC (GA)

1. A Debt collection notice was received on XX/XX/2024. 
2. A phone call was received on XX/XX/2024 from the agency and there was no mention of financial obligation or money owed, but asked for return of a company laptop. For which I have indicated that I need to go into the office and I am out of town. I will be returning week of XX/XX/2024.

3. He threatened to me to derogatory information on my credit file and it will stay for 7 years. 
4. I went into the office on XX/XX/2024, resolved the issue with IT Dept, mailed the laptop on the same day. 
5. I have called the Debt collector contacted on XX/XX/2024to inform that the laptop is received by the company on XX/XX/2024, at 9 AM. 
6. He indicated to me that he has put derogatory information on my credit report. He asked me to send me the confirmation, which I have sent to him. I pulled the credit report to see what is wrong and found XXXX had a debt of {$150.00}. There is no financial obligation that is communicated to me by my company either with an invoice or statement or in any other form. 
7. I have sent an email asking for valid basis for debt of {$150.00}, which he has not. provided. He indicated that FDCPB guidelines do not apply to me. 
8. I have disputed the amount with Debt Collector on the XX/XX/2024 in writing, but he has indicated that they do not need 30 days to validate the debt. I have until XX/XX/2024 to dispute the debt. 
9. On XX/XX/2024, the company has indicated that they will no longer respond to me, but only to my legal counsel. 
10. The following communication was sent on XX/XX/2024 to the Debt Collector and his response was good luck and I do not have any rights. 
Please provide the basis for {$150.00} debt that is owed to XXXX. 
Please provide a statement or notice of {$150.00} obligation mailed to me prior to arrival of your postal mail on XX/XX/2024 Had it been communicated to me ; I would have resolved it with XXXX. 
Any written/postal communication of this financial obligation prior to XX/XX/2024. 
Any phone calls informing of this financial obligation. There is an assigned HR Co-Ordinator postemployment, which he indicated to reach out to him for any questions and indicated that he will reach out to me regarding any matters related to XXXX, post-employment. 
Without a signed contract for the financial obligation, without a civil judgement against me, how can you claim this financial obligation? 
I dispute that I owe any money to XXXX. I was following instructions provided to me. 
Also, please show a proof that this financial obligation, if any exists, is assigned to Bilateral. 
On your XX/XX/2024 call, you have threatened me to report this debt to Credit Bureau and ruin my credit for 7 years, while I am disputing the debt within 8 days of your communication.
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

Resurgent Capital Services has been sending mail to my home and calling/texting my cell phone for a debt that is not mine and the person who owns the debt does not live with me. 

I have for 3 years been trying to remove my address and phone number from their system. 

In addition to continuing to contact me, they have sent me links, discussing the financials of the person who does owe the debt. I am a third party that should not have any access to the information of the person they are looking.
Consumer complaint received 2024-04-13
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. (NJ)

I have numerous FRAUDULENT HARD INQUIRIES. want them to be removed to reflect fair and accurate credit reporting. have NOT authorized any of these hard inquiries and none of them are not attached to ANY open accounts on my credit file between XX/XX/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 2023-12-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (MO)

We've had this target credit card for 15 or more years called to tell him we could not make a payment Because of medical bills and we would make a payment next month at due time. They keep repeating calls every day. Will not listen to what I have to say. Just keep repeating calls every day. But they told me that they weren't Calling everyday and will not even talk to me about the problem.
Consumer complaint received 2018-11-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NC)

Prior to dental services, I asked the company if they accepted my insurance and they answered " yes they did. '' Services rendered were to be paid in full by the insurance company per my policy coverage. After services were performed, I was sent a bill in the mail for the complete cost of services. When I called the service provider, I was told that " the lady who told me that they accepted my insurance had made a mistake and they in fact did not accept my insurance coverage. '' The provider claimed that " I was to be responsible for the full amount of charges. ''
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$420.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CL Holdings LLC (MI)

According to the Fair Credit Reporting Act USC 15 1681 section 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy ''. My rights to privacy as per the Privacy Act of 1974 have been violated by JEFFERSON CAPITAL SYSTEMS subsidiary to XXXX XXXX, XXXX, XXXX, and XXXX. ( 18 USC 241 ) XXXX, XXXX, and XXXX are consumer reporting bureau 's and I'm the consumer. i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. JEFFERSON CAPITAL SYSTEMS has violated my federally protected rights under colorable of law, and their own CORPRATE CORE VALUES AND POLOCIES specifically 18 USC 242, as well as Failing to follow federal law and FDCPA and many more. I've inquired injury and mental stress emotional damage and injury to my consumer report to provided for my family. JEFFERSON CAPITAL SYSTEMS has committed SECURITIES FRAUD by obtaining and trying to collect from a certificate of indebtedness without the proper authorization, furnishing false and misleading statements on my report, 18 USC 1028, 15 USC 1681b, states who can authorize that and i did not. continuous violations need to be met with compensation due to my federally protected rights being violated, and they refuse to follow the law. 15 USC 1681a ( 2 ) ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1681e states " ever consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681c of this title and limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, and XXXX are not maintaining reasonable procedures.
Consumer complaint received 2018-11-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IN)

XXXX XXXX continues to charge my XXXX Store Card for many items that Ive already returned to XXXX. I have repeatedly contacted XXXX and XXXX XXXX regarding numerous issues with my account, yet XXXX XXXX   has not taken any action to remedy the situation despite their receipt of documentation establishing that I returned these items. 

More specifically, I disputed eight different transactions. All of these disputed items are recharges for items Ive already sent back to XXXX. XXXX  own website acknowledges that my returns are each in transit back to XXXX, and Ive already sent proof of this for each of the disputes. I can not be held responsible for the mail carriers delay in providing the returned merchandise to XXXX. Because I complied with all of my return shipping requirements, XXXX may not recharge me for any of these items. 

I sent this message, along with a Dispute Acknowledgement Form and accompanying print-out from XXXX website for each of the eight transactions, to XXXX XXXX on XX/XX/2018. I still have not received a response from Synchrony, but the charges continue to appear on my credit card statement. I am also continuing to incur interest on each of the transactions.
Consumer complaint received 2023-09-01
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. (MO)

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 2023-02-11
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: Experian Information Solutions Inc. (OH)

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 : # XXXX, XXXX : # XXXX, 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 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 2023-10-06
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. (TX)

I hope this letter finds you well. I am writing to express my deep dissatisfaction with the ongoing issue of late open accounts correction, which I have brought to your attention multiple times without a satisfactory resolution. It is with great frustration that I must escalate this matter in the hope of achieving a prompt and effective resolution. 

I have been a loyal customer of Credit Bureaus for a considerable period, and I have always appreciated the quality of services your company offers. However, my recent experiences have left me disappointed and concerned about the lack of attention to correcting the late open accounts associated with my account. 

I have made several formal requests through phone calls and emails to your customer service department over the past months ago, seeking assistance in rectifying these late open accounts. Despite my efforts and repeated assurances from your representatives that the issue would be resolved promptly, the problem persists. The late open accounts are not only causing significant inconvenience but also negatively impacting my credit history and financial stability. 

I believe in the importance of maintaining a healthy business relationship with Credit Bureaus, but this ongoing problem is testing my patience and trust in your organization. Therefore, I kindly request the following actions to be taken immediately to address this issue : I urge you to prioritize the correction of the late open accounts associated with my account. Please assign a dedicated representative who can work on this matter promptly and provide regular updates on the progress. 

I request full transparency regarding the steps being taken to resolve this issue. I would appreciate a detailed explanation of the root cause of the problem and the specific actions being taken to prevent its recurrence. 

Given the prolonged inconvenience and potential harm to my financial standing, I believe that appropriate compensation is warranted. I kindly request that you consider compensating me for the troubles I have endured. 
I expect better communication from your customer service team. Timely updates and responses to my inquiries are essential to rebuilding my trust in Credit Bureaus. 

I hope that this letter serves as a clear indication of the seriousness of this matter and my commitment to reaching a fair and satisfactory resolution. I believe that Credit Bureaushas the capacity to rectify this issue and restore our business relationship to its previous positive standing. I am asking for your assistance to correct the following late open accounts : XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00}.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

. It is my belief that JPMCB Card Services has reported information that is incorrect, and this misreporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

The specific sections of the FCRA that I believe have been violated include, but may not be limited to : Section 611 ( 15 U.S.C. 1681i ) - According to this provision, I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete, and JPMCB Card Services is required to conduct a reasonable investigation of my dispute in a timely manner.

Section 623 ( a ) ( 1 ) ( A ) - This section obligates JPMCB Card Services to provide accurate and complete information to the credit reporting agencies. If the information can not be verified, it should not be reported. 

Based on these provisions, I am requesting that JPMCB Card Services provide me with proof of the alleged debt, including the original contract with my signature and a detailed account statement demonstrating how the balance was calculated.

Furthermore, I request that if JPMCB Card Services can not furnish verifiable and accurate documentation, the information should be corrected or removed from my credit file immediately, as its continued presence is causing me harm and is not in compliance with the FCRA.