davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: Resurgent Capital Services L.P. (FL)

LVNV and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account # XXXX was deleted from XXXX on XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials.

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments.

Lastly, it violates FCRA 15 USC 1681 ( 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.

I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's OfficeXXXX XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.
Consumer complaint received 2018-03-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Transfinancial Companies, Inc (LA)

XXXX XXXX XXXX XXXX XXXX has been placing a debt on my credit reports since XX/XX/2016 of a bill that is not mine. I have called billing and even sent them a cease and desist order. They in turn send the bill to the collection agency of Transfinancial last year and removed it and now as of XX/XX/XXXX it is back on my credit report as a collection. This is not my debt but a debt of someone else. I called XXXX XXXX XXXX XXXX   XXXX billing and they said they removed my name from the bill but will not contact the collection agency to have the bill removed. I asked them for a letter stating the account was being removed from my name and they refused to send me a letter. I called the collection agency and they stated they refused to remove the bill from my name even though I explained to them it is not my bill. The representative told me that she was not removing the bill and said she was going to ruin my credit. I told her that that was not legal and I worked for a law firm and advised her that her company could be sued for purposely not removing the account that is not mine.
Consumer complaint received 2020-01-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XX/XX/XXXX and I've never received a response to my address on file. This is preventing me from moving forward with my dream of owning a home. Please respond.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SC)

XX/XX/XXXX - Made a purchase for {$1400.00} from Sears outlet using Citi AAdvantage Card XX/XX/XXXX - Item was brought for delivery but since the item was out of its packaging and packed and damaged, I did not take receipt of the item. 
XX/XX/XXXX - Lodged a complaint with Sears Outlet ; They asked for product to be returned when it was not even delivered to me. 
XX/XX/XXXX week - Opened a billing dispute with Citi, who reversed the charge. 
XX/XX/XXXX - Received letter from Citi asking for proof of the non receipt XX/XX/XXXX - Sent email with pdf document providing proof of delivery refusal XX/XX/XXXX - Received letter stating that dispute was resolved in favor of the merchant because no information was received. 
XX/XX/XXXX - Called credit card company to resolve the issue. They state that they did not receive the information. I had proof of having transmitted an email with the information and sent them the same. But they would not consider it. I also asked if the merchant had provided proof of product delivery and they stated that he had not. 
It appears that the credit card company did not do even the basic diligence i.e. to seek proof from the merchant that the product was delivered. This is patently unfair to the consumer because proof and documentation is sought from the consumer but not from the merchant.
Consumer complaint received 2022-12-27
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. (IL)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX C XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$200.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thaxton Investment Corporation (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-12-27
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. (IL)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX C XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WI)

For a couple years now, XXXX is the only report I can get on annualcreditreport, com. XXXX always errors out, and Experian always displays a vague message saying something like, " a condition exists that is preventing your report from being available. '' Somehow, XXXX is completely reliable, while XXXX and Experian are not at all. It has been years since I have been able to see my report from either company. But as far as I know, there is nothing unusual about my credit situation. 

I know I could write through snail mail for the reports, but annualcreditreport, com was supposed to make the process easier.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

When i paid off my loan with XXXX, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of XXXX.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I opened an account with chase for the {$200.00} bonus as advertised and never received my bonus. I called for about the third time to follow up yesterday ( The last day to receive the bonus ) XX/XX/2020 and the customer service representative gave me the run around saying I had to wait XXXX more days, it was the XXXX time they told me that and I mentioned that and they said I had to be patient ... the first time I had a direct deposit since the XX/XX/2020 as a requirement for the bonus.
Consumer complaint received 2019-04-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (CA)

I have paid {$2800.00} on a loan for {$1200.00} and still have 3 payments. This loan is a t620.92 % interest. This should be criminal.
Consumer complaint received 2020-01-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NH)

On XX/XX/XXXX I made a complaint against Sallie Mae for refusing to work with me to arrive at a monthly repayment amount that is within my power to pay. The complaint was responded to by them in the form of a telephone call to me suggesting that I do not make the payments due on XX/XX/XXXX ( as there is no possible way I can make the payments and still pay my basic living expenses ) and wait for their collections department to contact me. I was told that at that time, they would make new payment arrangements with me. 
I have four separate loans with Sallie Mae, one of which they processed without deferment, meaning I had to pay the interest on the loan from the start. As I was still in school, I set up an automatic debit ( {$25.00} per month ) and have never missed a payment. 
The other three loans remained in deferment until XX/XX/XXXX. I had not set any of those loans up for electronic debit and yet, on XX/XX/XXXX, my checking account was debited for all three of those loans totaling {$620.00}. They could not withdraw on the original automatic debit loan as the payment amount increased from {$25.00} to {$90.00} and they did not have my authorization for the higher amount. How could they then -- without my authorization -- withdraw over {$600.00} from my account for the loans I had never set up on automatic debit in the first place? There is no way I could meet my monthly living expenses minus these funds, so today, I had to spend {$30.00} to stop payment on these withdrawals. 
My complaint is this : I was advised not to make the payments I could not afford to pay and to wait for Sallie Mae to contact me only to have them then, without my request or knowledge, withdraw a large amount of money from my bank account. I have no assets to draw from to replace those funds and had no choice but to spend the {$30.00} to stop payment on the withdrawals. It's my experience that consumer protection protects the lender rather than the borrower.
Consumer complaint received 2018-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (TX)

After closing an account with XXXX XXXX and sending in final payment. The account was sold for a balance that does not exist. I am being harassed day in and day out by this debt collection company for a debt purchased that was already settled in full.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

This is unbelievable this bank and credit card company is ripping me off entirely I lost my husband and job and they dont. Care they want their money Im behind 2 months I cant afford their minimum payment and my balance was {$6000.00} now they want {$8500.00} their crazy and refuse to remove the interest charge they are giving me a hard time
Consumer complaint received 2022-12-27
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my creditreport in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but Inever received a response from them. These accounts must be validated 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
Consumer complaint received 2023-05-14
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: URS Holding, LLC (UT)

Should be good credit. XXXX denied loans because of history length of credit on crit report, have reported wrong and duplicate accounts, also reported fraudulent activity, also banks and debt collectors keep renewing and duplicating charges for fraudulent items etc
Consumer complaint received 2020-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

A person living at the same address BUT not the same appartment open credit cards accounts in my name. This companies closed the acounts and now have been sold to Midland funding for XXXX and Midland credit managem for XXXX. I fild a complaint with local police department.
Consumer complaint received 2022-01-27
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. (PA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the reporting of a fraudulent account on my credit report, which is only being reported by your bureau. After carefully reviewing my credit reports from other bureaus, it has come to my attention that this specific fraudulent account is not reflected in their reports. 
XXXX XXXX XXXX XXXX XXXX DELETE!!!! 
I am perplexed and concerned about the inconsistency in reporting, as it suggests an error on your part or, worse, a potential security breach. Given that the fraudulent account is not being reported by other credit bureaus, I strongly believe there is an issue specific to your reporting system. 
I have taken the necessary steps to address this matter with the other credit bureaus, and they have not listed the fraudulent account on my credit report. It is evident that this account is a result of fraudulent activity, and it is essential to rectify this situation promptly. 
I understand that it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. I request an immediate and thorough investigation into why this fraudulent account is uniquely present on your credit report and not on reports from other reputable bureaus.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: U.S. BANCORP (AR)

TO ALL CREDIT FURNISHERS, ALL ACCOUNTS THAT SHOULD BE REPORTING ON XXXX, TO WHOM HAS VIOLATED F.C.R.A. 15 U.S.C. Section 1681g since XX/XX/XXXX must effective today re-insert the account back into transunion suppressed credit reports.or face class action litigation in XXXX.
Consumer complaint received 2022-12-26
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. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you reported my mortgage account status as Bank Adjustment/Deed-in-Lieu/Bank Liquidation. My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE Statuses from my ENTIRE credit files. 

To XXXX XXXX XXXX XXXX ( XXXX ) : Acct # XXXX. XXXX  was ORDERED by the CFPB to transfer my mortgage account to you, due to them PREVENTING me from being approved for a MODIFICATION. XXXX  was also ORDERED by the CFPB to CEASE & DESIST ALL FORECLOSURE PROCEEDINGS. 
We were in court proceedings to agree on a MODIFICATION, NOT A FORECLOSURE and certainly NOT a Bank XXXX XXXX XXXX Then in XXXX the courts shut down. I am currently & INDEFINITELY protected under the Mortgage XXXX. 
You were NEVER PERMITTED to proceed with ANY foreclosure proceedings. 

From XXXX until XX/XX/XXXX, you, XXXX have reported my mortgage account status as Bank XXXX XXXX XXXX XXXX My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. 
XX/XX/XXXX, you ALSO reported my account status as CLOSED. MY ACCOUNT IS NOT CLOSED. IT HAS NEVER BEEN CLOSED. If so, PROVIDE ME PROOF. I NEED the Document & Exact Date of Closure.

I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE statuses from my ENTIRE credit files. 
XXXX & XXXX, you both have a LEGAL responsibility bound by the FRCA to report Accurately, Fair & True information to my credit file. Anything on the contrary is a VIOLATION of the Federal Laws and my consumer rights.
Consumer complaint received 2020-01-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Chicago Car Center, Inc. (IL)

Lender is stating that Ive made no payments in XXXX and is threatening repo. I have proof that I have been making payments and communicated with via text message about discrepancies. On XX/XX/2019 i was told i owe {$360.00}. Ive made {$200.00} payment on the XXXX. Leaving me a balance of {$160.00}. Lender is saying because its late it doesnt count and I dont understand the policy. Of which policy Ive been asking for for over 6 months and never received.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (NY)

I received a purported letter from Equifax, stating that they have been attempting to reach me. The letter states : Contact Equifax Customer Care Team at XXXX. After contacting Equifax at their true and correct number, I was told that this letter is a scam.
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Citizens Bank subjectively decided to place a XXXX day hold on my business checking account ( Account # : XXXX ) for my business : XXXX XXXX even after the check being cleared and cashing the check and won't release my funds until XX/XX/23. Please assist me to resolve.