davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (CA)

This complaint is about GC Services ( XXXX XXXX ). I owed the XXXX XXXX XXXX XXXX XXXX based on 2 civil assessment fees and a XXXX XXXX  ticket ( civil assessment fees were added due to the courts receiving the corrected violation late, but they had received my payment of {$25.00} ), for citation # XXXX. I explained to the debt collection agency that my debt had been resolved, due to the passing of XXXX XXXX, which removes all civil assessment fees prior to XX/XX/XXXX. After hearing of XXXX being passed, I contacted the XXXX traffic court in early XX/XX/XXXX, to confirm of the debt removal and they have confirmed no debt was owed. Today, XX/XX/XXXX @ XXXX, I was contacted by GC Services regarding the debt of {$620.00}, where I was told I still have a collection against me for the {$620.00}, after i explained the situation, they reviewed my debt and rejected my request for review. Shortly after receiving their call, i decided to call XXXX traffic court again today at XXXX, which resulted in the court once again letting me know that i have no outstanding debts and have not had debt since XX/XX/XXXX, so the citation was considered paid and closed. At XXXX i called GC services back to report what i had been told by the court and they refused to close the collection. This company is calling me attempting to collect money which has already been paid/removed from my debt due to bill XXXX and the XXXX courts XXXX I have no debt to be collected. Once again, they are trying to collect money that has already been paid and refuse to close my collection. If i had paid them, I probably would not have gotten my money back and if the courts already deem it as paid, how can they legally collect that money from me. If i hadn't paid attention and done my research i'd be out {$620.00}. GC Services needs to be looked into to make sure they aren't collection on paid debts for people all across the country, which would be considered Fraudulent Activity.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CVB FINANCIAL CORP. (CA)

Apparently the Citizens Business Bank ATM in XXXX CA has a known problem. The parts of the machine that dispense cash after making a withdrawal from one 's account do not work. It withdraws the money but doesn't dispense. It displays the error message that it is unable to complete the transaction, but still withdraws the funds as if they were dispensed. The bank is aware but won't attempt to make users aware of the defect. Per bank employee XXXX XXXX one must " file a dispute '' with the card issuer, as they are either unwilling or unable to assist.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have an open case XXXX. IT has not been resolved and I am aware your case is still open. I am unable to access my information to update credit cards and other banking services. 
Bottom Line this has been ongoing sinve the beginning of XXXX when Experian has asked me to reconnect my XXXX XXXX accounts. From then on in XXXX I was no longer able to access my data. I have opened XXXX XXXX cases most recent was XXXX. 
I will attempt to attach a snapshot of my trouble. The message reads... 
Sorry, We're unable to process your request right now. Please try again later. I have reset my password sucessfully throught this connection issue. 
I have tried to contact an agent only to be rerouted many times to some other recording. So it has been almost 3 months only to still be unable to login and utilize XXXX which is what Experian feels is so Great. 
XXXX XXXX
Consumer complaint received 2024-03-09
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states that " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, and XXXX are consumer reporting agencies and XXXX XXXX XXXX XXXX is the furnisher financial institution and I am 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. '' XXXX XXXX XXXX XXXX is a financial institution by definition under title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX, XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX XXXX XXXX XXXX, XXXX, Experian, and XXXX are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed immediately.
Consumer complaint received 2023-07-20
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. (IL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Hatfield, Inc. (CA)

I submitted two separate tickets to cancel my membership with this company. However the first ticket was not honored. They make it seem as if your request will be handled in email however they only respond in a hidden chat box hidden in the app. Also after submitting a ticket to cancel in the chat box it states If you would like to chat with a live agent, please stay in the chat. This is very misleading. After submitting a ticket where you clearly express that you would like to cancel and delete your account, nothing is stated that you have to respond to them in the chat in the app in order to actually have the account cancelled. I was charged for two months of the subscription because of this and only after the second ticket was I able to cancel this service.
Consumer complaint received 2023-07-20
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)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-10-18
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. (NC)

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 
Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.
Consumer complaint received 2022-10-18
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. (IL)

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 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 15 U.S.C 1681 section 6028 that states I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without any written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency, might make any consumer reporting containing any of the following items of information of any other adverse item of information, who it that records or convention of crimes, which attendates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information relating to a consumer to any consumer agency. If the person knows or has reasonable cost to play, that information is inaccurate.
Consumer complaint received 2022-10-18
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. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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. Here are the list items that needs to be delete in my file : 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 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 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: First Technology Federal Credit Union (MD)

The credit card XXXX XXXX XXXX XXXX XXXX. A consumer credit transaction in 15 USC 1691 defines Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit. Application number is XXXX
Consumer complaint received 2021-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc (KY)

On or about XXXX through XX/XX/2019, I filed a complaint to the CFPB, XXXX and Theft identity about an unknown debt from XXXX  XXXX, XXXX XXXX, under the name of XXXX XXXX XXXX. This company replied back to CFPB and the XXXX  stating that I was not responsible for this debt. This debt was taken off of my credit report. I reviewed my credit report under XXXX and this debt is again on my credit report but under the name of Synergetic Communications , Inc. I am also getting repeated calls from this company. It appears to me that once the new Company, Synergetic Communications , Inc., bought out this debt from XXXX XXXX XXXX, that they are reopening this case. I have letters from XXXX to both the CFPB and XXXX stating the XXXX XXXX is not the responsible on this account. I want the calls to stop and this off of my credit reports.
Consumer complaint received 2022-11-24
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. (MI)

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. XXXX demanding CFPB to enforce the correction and or deletion of these items
Consumer complaint received 2022-10-18
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. (MI)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MD)

I paid off my auto loan with Santander Consumer USA in the amount of {$9300.00} on XX/XX/XXXX. I have received my title and lease of lien for the vehicle I paid off from Santander. This account should be reporting a {$0.00} balance and paid satisfactory. As of today XX/XX/XXXX, 38 days later, my account is still reporting as open with a balance of {$9200.00} on my XXXX and XXXX credit reports.
Consumer complaint received 2023-09-16
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. (MD)

The following inquiries are fraudulent on my report : 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 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 2022-10-18
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. (IN)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-10-18
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. (NC)

This is my several 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 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 2016-11-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The company XXXX, is report a debt is not mine that need to be remove off my credit report. There is XXXX account XXXX is {$190.00} and the other is XXXX balance but is report in a negative report against me. I sent this company a request for Validation of this debt. But as I stated in the letter if no respond in XXXX must be remove from my credit reports.
Consumer complaint received 2023-06-05
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: GOLDMAN SACHS BANK USA (FL)

I want you to know that I missed the payment on my account due to my being seriously sick and XXXX. I have lost out on job opportunities because of these late payment remarks. 

This is ALL because of the XXXX. I also could not close a home for my family due to this situation. I am really depressed
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (GA)

I had a close account with XXXX bank from about a year ago. The agent recently said that I had a negative balance wants the account clothes and I was unsure as to how that happened. XXXX wired my IRS refund to Amsher collection services and they took my refund. It was {$5400.00}