davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (IL)

I, XXXX XXXX, never gave ( Citibank ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : Citibank Account XXXX
Consumer complaint received 2024-04-03
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CL Holdings LLC (CA)

I XXXX XXXX WHO IS FILING THIS COMPLAINT AGAINST XXXX XXXX XXXX AND THE DEBT COLLECTION PRACTICES JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REGARDING THE ACCOUNT BECAUSE THE INFORMATION IS MISLEADING OLD AND DOES NOT EXIST. THIS FRAUD HAS AFFECTED MY CREDIT REPORT & MY CREDIT SCORE. TO THE POINT THAT I CAN NOT APPLY FOR CREDIT WITH NO ONE. THIS HAS BEEN VERY STRESSFUL AND TOUGH FOR ME. I BELIEVE THIS COLLECTION DEPARTMENT HAS VIOLATED THE FAIR DEBT COLLECTION ACT. THANK YOU FOR ATTENTION IN THIS MATTER. AND I LOOK FORWARD TO A PROMPT RESOLUTION OF THIS COMPLAINT.SINCERELY, XXXX XXXX
Consumer complaint received 2023-10-18
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (TX)

constant robo calling to my cell phone and daily letters in mail box since XXXX and i have sent 4 different cease communication demand letters to Resurgent capital services and nothing has changed .my sons employer is getting mad because they call his work harrassing him telling him can he pay my debts .they leave recorded messages on fridays saying they have legal process that they are sending to the local district clerk office to have me served and arrested and to use a prepaid debit card to pay by the next monday. but every one knows that they will never come out because that is illegal. the Resurgent capital company has sent collection notices to me from five different agencys they run for the same identical debt and no one knows who owes who and has turned into a administrative nightmare for me.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My loans were in forbearance until the month of XXXX. In XXXX however I took 2 summer classes which should have put my loans in a deferment status. XXXX has not reported since XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (NY)

In accordance with the fair credit reporting act. These account 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  ACCT # XXXX IM BEING CHARGED DOUBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-04
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX DEPARTMENT OF EDU # 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
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

Both Experian and XXXX do NOT accurately report my student loan information on my credit report. XXXX is reporting the account accurately as the student loan is in perfect standing. This loan information in good standing with perfect payment information should be reported accurately on both Exerian and XXXX as it is reflected on XXXX. I have disputed this point many times with both agencies and called XXXX to make sure they are reporting- XXXX has assured me that they are accurately reporting my accounts.
Consumer complaint received 2019-11-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (FL)

I was involved in a not-at-fault accident in Georgia on XX/XX/2017. I went to XXXX XXXX 's Emergency Room and gave them my insurance which at the time was XXXX XXXX XXXX XXXX XXXX Georgia under my father. I was in-network and XXXX XXXX XXXX XXXX stated that I only owe my deductible of {$250.00} because of the following code reasons : " XXXX - This amount is the member 's copayment responsibility and code XXXX - This is the amount in excess of the maximum allowed amount for a participating provider. The member, therefore, is not responsible for this amount ''. XXXX XXXX in XXXX, Georgia has been balance billing me since XXXX of 2017 and XXXX XXXX XXXX in XXXX, Georgia has been harassing me for the last two years and each refuses to take my {$250.00} deductible and demand I pay the amount of XXXX, XXXX even though it was an emergency visit from a vehicle accident with an in-network provider.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingUSA (NY)

In accordance with the fair credit reporting act. These account 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  ACCT # XXXX IM BEING CHARGED DOUBLE. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureaus XXXX and Transunion on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results. 

Kind Regards XXXX XXXX
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have fallen behind on my car payments due to my husband ( who is also on the loan ) becoming XXXX and has been XXXX  for several months. He is XXXXXXXX XXXX XXXX and able to work at this point in time and can pay the car payment with my salary but I am behind and the payment is too large to catch up in 30 days. I am not eligible they stated for a hardship or payment plan till at least one payment was made. I explained the situation and when I would be paid next as well as offered to give them what I had to my name at the time, and I was still told they couldn't help till the payment was made and to call in then. 

Also they have restricted my access to make payments and or see how behind I am online and my app, I have to call them which can be difficult when our cell phones get shut off due financial difficulties right now and I work from home so the internet comes before our phones. I have also explained this to them and seems this is just how it is.. it has me very stressed not having visual of what I need to catch up.
Consumer complaint received 2022-09-29
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX 15 U.S.C 1681 section 602 A section 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 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information, any adverse item information, other records of convictions of crimes which antedates the reporting 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 information is inaccurate.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I sent a personal information correction letter certified mail ( XXXX ) which was received and signed for, as well as submit disputes directly on the companies website ( XXXX, XXXX XXXX Equifax ) none of which have been updated. 

Also request for debt verification has been ignored
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent a letter to XXXX XXXX XXXX on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.
Consumer complaint received 2020-02-25
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. (TN)

Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX : # XXXX Balance {$4200.00}. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain
Consumer complaint received 2018-07-18
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. (TX)

IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD AND HAVE BEEN VICTMIZMED BY THESE INTERNT CRIMINALS. THEY HAVE STOLEN MY IDENTITY AND HAVE OPENED AN D APPLIED FOR ACCOUNTS I HAVE NO KNOWLEGEDE OF UNTIL NOW. I HAVE DISPUTED WITH EXPERIAN AND AKED THEM TO REMOVE MOVE THESE FRAUDULENT ACCOUNTS AND EVEN CALLED OVER THE PHONE AND SPOKE WITH A REPRSENTATIVE AND STILL HAVE NOT GOTTEN ANY RESPONSE OR RESULTS OF THE DISPUTES.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have already disputed these accounts and collections XXXX XXXX but they do not delete me I don't know why I need someone to help me I have already disputed XXXX XXXX and nothing that erases from my credit three XXXX XXXX and three closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-04
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a number of incorrect factors being reported on my credit report. Student loans are reflecting information that shouldn't be. Please verify data on each. I've disputed several times and it keeps coming back, by credit reporting agencies that the information on my credit report is verified. I know this is not accurate and would like a verfication and removal from credit report. Of course I could list all consumer protection codes/laws that protect me and my credit profile from this wrong data, but you already know each one.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (IN)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2022-05-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The company is Bank of America ( BOA ), and my BOA issued debit card was used for withdrawals between XXXX and XXXX, for a total of {$990.00} ( see below ) We did not make these withdrawals and we reported the debit card as stolen to BOA on XXXX, and received a new one. After crediting the {$990.00} back to us, BOA has since researched the fraud claim and denied twice and intend to reverse the credit ( most recently in a letter dated XXXX XXXX Their reason for denial is " the charge was authorized by you or someone who has permission to use the account. '' As a 30 year XXXX customer in good standing, with no history of aberrant behavior, and credit score of XXXX, there is no precedent for my wife and I to act in fraudulent manner. We are scammed, and the scammers withdrew amounts below our trigger level for BOA to check validity of a transaction. 
the claim # with BOA for our reporting of, and their response to, the fraud is XXXX We enlist your help to work with the bank as we should be protected against fraud by BOA. 

we can provide claim numbers and personal details if necessary XXXX XXXX ATM XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD {$200.00} XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$200.00} XXXX Hideadditional information foractivity type withdrawal XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$22.00} XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX$180.00} XXXX XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$180.00} total {$990.00}
Consumer complaint received 2023-06-26
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. (MN)

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.

The letters are stated with items and issues. 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 2019-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/19, I received a mailing from company advertising {$500.00} new account bonus for meeting certain conditions after opening a new checking and savings account. After having met all the offer terms, new account bonus was not paid despite all terms being met. After inquiry with financial institution, claims were made that a prior account was held and that the {$500.00} promotional offer was only available to new clients. However, the prior account was opened erroneously ( in error ) and TD Bank made it nearly impossible to close that account ( it was only after complaint to XXXX that the account was closed ). Furthermore, I received a direct, targeted mailing ( attached in photos ) constituting my eligibility for this offer. If it was said that I was ineligible, why was this offer sent to me?