davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc. (CA)

I lived in an Apartment Complex from XX/XX/XXXX XX/XX/XXXX. Upon moving out, there was a question on what was owed for damages ( which at the time was {$1100.00} and now is owned by Sentry Credit ). The complex apartment is called XXXX XXXX  located in XXXX XXXXXXXX XXXX I formally disputed the original amount dated back on XX/XX/XXXX. Part of the debate with the apartment complex was that they had ignored our signed agreement stating that I would be provided with a pre move out inspection, which I did not receive. Included in the dispute was a charge for a key FOB that I had already returned to the office on XX/XX/XXXX, and a painting service invoice that was charged before I had moved out and turned in my keys. Also, I had seen two final move-out inspections reported to my resident portal on XX/XX/XXXX and XX/XX/XXXX, both included the same invoice but showed two different amounts as charged. I contacted XXXX XXXX  regarding this and never received a response. 

I have contacted XXXX XXXX  multiple times ( promptly on XXXX ) regarding the inaccurate charges, inconsistent bills and two questionable final move-out inspections. With these discrepancies, the adjusted balance totaled {$770.00}, which I had originally agreed to pay for what was correctly charged. This too was formally documented and explained to XXXX. After not hearing anything from them, it was presumed that my security deposit, of {$1100.00}, was kept tocover the full balance. 

It wasnt until XX/XX/XXXX, after I pulled my own credit report, when I found a significant drop to my credit score, from XXXX to XXXX, due to an unknown collections company, Sentry Credit, reporting an open account, posted on XX/XX/XXXX. On XX/XX/XXXX, I immediately called Sentry Credit and advised that I would not be paying until the debt is validated and I received information showing what it was that I truly owed since the original amount was never abandoned and was not rightfully to collect. I refuse to pay for an unvalidated debt over the phone, as I am a victim of identity theft. Sentry Credit stated they would mail me the detailed ledger with an explanation. I have not received a response. I mailed a follow up letter to Sentry Credit  on XX/XX/XXXX via XXXX XXXX Mail with signature receipt required, and I have still not received a response. Also, I had reached out to XXXX XXXX  by phone on XX/XX/XXXX and by mail on XX/XX/XXXX to resolve this and I have not received a response from them too. 

At no time, from the time I officially turned in my keys on XX/XX/XXXX to this point, have I received any correspondence that a debt of {$1100.00}, from XXXX XXXX, was in collections by Sentry Credit. I was never notified I owed this debt and never received notification I could dispute or make payments.
Consumer complaint received 2023-10-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC (IL)

I have reached out to XXXX XXXX on behalf of global XXXX XXXX services, which is reporting to my credit as a repossession of a car. I am a victim of identity. I have sent in all the information to provide that I am a victim of identity .I have sent in my police report all of my correct personal information. I spoken with one of XXXX XXXX representative by the name of XXXX XXXX she advised me that global lending services is not accurately verifying the information that is reported they have not responded to none of the letters that was sent to them by XXXX XXXX she also advise me that global lending services are just stating verify it with no proof. I also have requested the contract that was signed supposedly by me from Globa Leading services still no response but Globa Leading services is still reporting an auto loan to my XXXX XXXX report.
Consumer complaint received 2023-07-28
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. (GA)

I was checking my credit an notice that there were some fraudulent accounts on there Iam a victim of idenity theft was involved in home invasion where i was XXXX XXXX XXXX i have police report some one was using my driver license for speeding tickets was investigated & on police cam it shows it was not me also XXXX XXXX XXXX XXXX  from Home invasion as well i will attached those as well i just need to get my life & credit back to normal so if you can help assist me with that i would be more then appreciated.
Consumer complaint received 2023-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

Jefferson capital is constantly trying to collect on a debt of which the amount and or debt is incorrect I made numerous attempts to contact Jefferson capitalal and I was met with a lawsuit despite my numerous attempts to recover founded informed so I may check and despite any inaccuracies. Jefferson capital refuses to furnish ne with a copy of said information and I fear that this default will result in garnishment of wages. 
I recieved three accounts from Jefferson capitan Capital on XXXX XXXX XXXX XXXX XXXX These amounts are incorrect and need to be corrected
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (UT)

I placed a security deposit of {$300.00} as collateral for a secured credit card. US Bank closed my credit card AFTER I had paid the credit card balance in full. While I am not concerned with the closure, I have never received the security deposit US Bank held. I have sent multiple requests to US Bank, including the proper address to return the deposits funds to. However, after apx 1 year, I still have not received a response from the bank or the funds that should have been returned. 

I am requesting that US Bank return my full security deposit plus any applicable interest to the following address ( same as on file ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX
Consumer complaint received 2023-07-09
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. (CA)

After reviewing my credit report I've noticed that Experian, XXXX and XXXX are reporting inaccurate information that is damaging my credit score. the following hard inquires on my credit report are inaccurate reporting XXXX  XXXX inquiry date XXXX, XXXX XXXX, XXXX XXXX  inquiry date XX/XX/XXXX and XXXX inquiry date XX/XX/XXXX.
Consumer complaint received 2023-02-10
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. (NV)

Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages named FAIR COLLECTION AND OUTSOURCING IN THE AMOUNT OF XXXX XXXX And same collection in the amount of XXXX XXXX  on my credit report. According to the 15 USC 1681 Law these damages are defamation to my character. I have tried to reach out to reporting agency 3 times starting from XXXX of 2022 to resolve error and have only gotten a system generated response. No proper investigation or proof/ method of validation.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (GA)

I opened a checking account with Citibank as part of a promotion on XX/XX/XXXX. The promotion offered a {$1000.00} bonus if I maintained a min {$75000.00} balance for 60 days. I funded my account on XX/XX/XXXX and became eligible for the bonus on XX/XX/XXXX. Payment of the bonus was to occur within 30 days of meeting the eligibility requirements on XX/XX/XXXX. 

I called Citibank on XX/XX/XXXX to inquire about the status of the bonus. I was told that I had met the eligibility requirements but that I still needed to submit a W-9 form. This requirement was not included in the terms and conditions of the promotion and was never communicated to me verbally or in writing. I would never have even known about the requirement if I hadn't called to inquire about the status of my bonus. 

I sent my W-9 form on XX/XX/XXXX and called two weeks later to check on the status of my bonus. I was told that it had not been received and that I should send another W-9 form. I requested a fax number, secure email, or physical address so that I could be sure that my W-9 form would be received and processed in a timely manner. I was instead provided with the same po box address to which I had sent my first form. 

I sent my W-9 form again on XX/XX/XXXX and followed up again on XX/XX/XXXX to inquire about the status of the bonus. I was told again that the W-9 form had not been received. I asked again for a secure method by which I could send my W-9 form and was told to send it to the same po box address. Rather than have them lose my documents again, I decided to file this complaint. 

I am of the opinion that the bank is seeking one of two outcomes ; ( 1 ) that new customers forget about the bonus or give up trying to receive it, or ( 2 ) the bank delays the payment of the bonus to such an extent such that they earn enough interest on the min deposit to offset the bonus payment. Either strategy is shameful, disingenuous, misleading, deceptive, and quite possibly illegal. 

I would be glad to provide additional details as need to hold this institution accountable and prevent them form committing the fraud on other unsuspecting consumers.
Consumer complaint received 2022-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation (TX)

Regional Finance contacted me about paying on a personal loan in my name. I did not take out a loan. This was a fraudulent loan based on a scam. 
XX/XX/2022 I submitted fraud packet with Police Report to Regional Finance for a loan they said was issued in my name for {$2100.00} effective XX/XX/2022. They gave me a copy of a cancelled check that does not match my signature, phone number, or texas driver 's license number. I have contacted Regional Finance numerous times to have this account removed from my credit report and as of today 's date, XX/XX/2022 it is still showing and now is reported as past due negatively impacting my credit score. 

The local Regional Finance office says it has no record of the loan and it is now with their corporate office who states it will be at least XX/XX/2022 before they finish their investigation. This company is reported numerous times on XXXX  for this same fraudulent act.
Consumer complaint received 2022-05-16
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. (TX)

I recently received a copy of my ( EXPERIAN ) credit report, and I noticed Utilization posted on my credit report on the listed accounts : XXXX - Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # - XXXX XXXXXXXX XXXX Account # - XXXX EXPERIAN is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. 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.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information sole
ly as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ EXPERIAN ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries XXXX 


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 2022-05-16
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. (TX)

Transunion refuses to correct the improper report history through XXXX XXXX XXXX. XXXX and XXXX have already both made the corrections. I have contacted Transunion multiple times to correct this issue via email and phone, and still no correction has been made
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I just had my credit report pulled from Equifax by XXXX XXXX. The bank was unable to process my loan do to a fraud report being on credit report. I called Equifax and was told by numerous agents that there was no block on the report. the credit union pulled the credit again and it was still there. not sure how to get this Fraud block off as no one is able to help me at Equifax. further more after I hung up with them my online Equifax account was not accessible and I am not able to get into my credit report
Consumer complaint received 2022-05-16
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and 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
Consumer complaint received 2022-05-16
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 (IL)

I want to make a complain to Bank of America Credit Card department. I filed 2 dispute cases ( case # XXXX for {$700.00} and XXXX for {$270.00} ) with Bank of America back in XX/XX/2022. The bank closed my dispute on XX/XX/2022 without asking me for any supporting document. I called the company multiple times and explained situation of how the merchant is scam me without providing promised service on the transaction date ( XX/XX/2022 ) and even filed XXXX  case XXXX for this situation. But Bank of America still thinking they can not help me to dispute the transactions. They think it's my problem and they are not able to do any help.
Consumer complaint received 2016-01-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lamont, Hanley & Associates, Inc. (PA)

I switched from XXXX XXXX XXXX to the parent company XXXX. The agent handled the transaction and because I was n't given a cancellation form to sign I somehow then owed and addition {$55.00}. I contacted the ins. agent in response the the threat of collection by XXXX XXXX and they worked to resolve the matter and I was told that it was taken care of by XXXX agents and I signed the needed doc. I have all the documentation to prove this email interaction. I was contacted tonight at about XXXX XX/XX/XXXX by Lamont, Hanley and Associates Collection agency ( 3 weeks after resolving the matter with XXXX XXXX ) and was told I owe the debt. I explained and asked them not to report to the credit bureau until I attempt to resolve this and they told me that is n't their problem, did n't give me an account reference number and hung up abruptly. I tried to call back twice and was unable to pass through the automated system with the reference number. I went to their website and was unable again. I have sent both XXXX XXXX and Lamont Hanley emails through their sites notifying them of the situation and not to report. I was contacted in the evening by Lamont Hanley, it is also a holiday evening, I denied being given the info I needed about the debt, they were unreasonable in resolution and rude, I was hung up on.
Consumer complaint received 2022-05-16
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. (FL)

15 u.s.c 1681 section 602 a.i have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it aslo state a consumer reportion agency can not furnish a account without my written instruction
Consumer complaint received 2022-05-16
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 recently challenged the validity of the accounts, XXXX XXXX XXXX - AND XXXX XXXX XXXX, thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. XXXX and Equifax will not follow suit and delete the inaccurate/unverifiable accounts, they have not verified the accounts. The creditors have not been able to verify the accounts either, but Equifax and XXXX will not remove them from my credit profile.
Consumer complaint received 2022-05-16
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. (PA)

On XX/XX/2022, I sent the first of multiple letters regarding inaccurate and unknown things on my credit report. As of today it has been over 60 days since I initiated the dispute with the Bureaus regarding the fraudulent accounts, this long timeframe is directly violating Section 611 ( a ) which states that failure to investigate within 30 days gives valid reason to immediately remove inaccurate/unverified accounts. I demand that this matter be resolved immediately and these accounts be deleted from my credit profiles or I will be forced to seek litigation for the damage to my reputation, emotional distress and financial strain that this false information being reported as true on my behalf has caused me. My information was exposed in the Equifax data breach therefore my private information is vulnerable to malicious individuals.
Consumer complaint received 2022-05-16
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. (PA)

On XX/XX/2022, I sent the first of multiple letters regarding inaccurate and unknown things on my credit report. As of today it has been over 60 days since I initiated the dispute with the Bureaus regarding the fraudulent accounts, this long timeframe is directly violating Section 611 ( a ) which states that failure to investigate within 30 days gives valid reason to immediately remove inaccurate/unverified accounts. I demand that this matter be resolved immediately and these accounts be deleted from my credit profiles or I will be forced to seek litigation for the damage to my reputation, emotional distress and financial strain that this false information being reported as true on my behalf has caused me. My information was exposed in the XXXX data breach therefore my private information is vulnerable to malicious individuals.