davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P. (MD)

I applied For this credit card to use to improve my credit score. I rcvd 2 credit cards and had not used either prior to being XXXX  at a XXXX XXXX  for 5 days. ( this was the first time I have ever been in trouble like this and it was due to my son missing too many days of School bc he was being bullied, I am not a XXXX or someone who breaks laws EVER ). While I was XXXX both of these cards were maxed out. I did not use them and It was impossible that I could have being where I was, I had no way of using them even if I wanted too. The other company understood and to Care of it for me, dissolving the debt. But, this company refuses to listen to me or the XXXX of this into consideration. I have edge reached out several times, including immediately after I was released and found out about the charges. I don't know what more I can do. I have always paid my debts, never had to dispute charges either. I should not be held responsible for charges i did not make, it was impossible for me to make. From what I found on the statement it looked like all the charges were made online for services? But I'm not entirely sure, the aren't my charges so I really don't know any more then what the statement provided me, which wasn't much.
Consumer complaint received 2021-05-31
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX there is no third party involved. I am submitting this complaint on behalf on myself. I sent a letter about validation of debts. Consumer reporting agency have not carried out their responsibility ordered under the law. They are in violation of 15 US Code1692 ( g ) ( a ) ( 5 ). I request for them to send the original documents from creditor. They have not provide no information to me about no original document I have sign. Section 611 ( a ), it is explain that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report. It has been more than 76 days so they have to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NC)

I had difficulty finding my statements, but when I finally did, I discovered that I spent XXXX, of which XXXX was before XX/XX/XXXX. 
On XX/XX/XXXX, I was charged XXXX for the credit card. When I called, I was told that if I spent XXXX in 3 months that I would receive the money back and as soon as I spent it I would receive a credit. Tonight ( XX/XX/year> ) after spending over an hour on the phone ( and yelling at a computer voice too ), I learned several policies. XXXX XXXX people told me that they did not have supervisors. ( I guess the representatives that are outsourced from CITI in XXXX do not have supervisors. ) Second, that I would receive my money after 3 or 4 months and that I should call back every month to find out the status. When I mentioned that if the company holds all of their clients {$99.00} for 3 to 4 months, that's a lot of money. The last person hung up on me. Perhaps, I will receive the money in 3 to 4 months or perhaps not. But at this time, I am very frustrated.
Consumer complaint received 2020-02-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I Contacted the Credit Report Agency, to dispute, collection with XXXX, I explained I didn't get any service o bill from them, I started my services with XXXX in XX/XX/XXXX at XXXX XXXX XXXX, XXXX Pa XXXX, in XX/XX/XXXX I moved to XXXX XXXX XXXX XXXX, PA XXXX and immediately I moved my XXXX service to my new address, so I explained them, but they said the serves as verification, so I don't understand, how the made the investigation. I solicited any proof I get any service or bill from XXXX, but the never sent. Also the other Collection with XXXX, I never get any service or bill from them, I moved to Pennsylvania in XX/XX/XXXX, I called them asked what kind emergency and symptom was, and the report they only said XX/XX/XXXX, I try to contact them severe time. I contact the Credit Report Agency ( Equifax and XXXX ) but, they still have those Collection on my record, is no fair the Agency make money selling my information, and don't make any effort to verified the Collection are right, so my history report with all my credit account ( open or closed ) are never late. So they need to be sure the Collection report are true
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I 've been stuck in this modification XXXX with my for several years now. Last time I applied for a modification was on XXXX XXXX. I have submitted every document that they have requested yet no results have come out of it. just two weeks ago, my company requested some more information which I provided promptly. My current manager went on vacation and my servicer decided to start a foreclosure process on the property even though I am in a review for modification. California homeowner 's Bill of Rights strictly prohibits dual track process. The law says it that bank can not review for the modification while starting the process and filing a notice of default. My lender has broken the law. 

Wells Fargo Bank also continues to ask develop the same information over and over and over again. I have provided RMA and other requested information at least five in the last three months. however, the done nothing but ignored it and send me letters requesting it again.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (PA)

I demand that these late payments are reversed as this account does not match my records. I was never late on this account. Additionally, transaction history is not suppose to be reported on a consumer report or else it will violate the Fair Credit Reporting Act otherwise known as 15 U.S. Code 1681.

15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Consumer complaint received 2021-05-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I opened an account # XXXX with XXXX XXXX in XXXX XXXXIt has been 7 years too old to still be on my credit. Portfolio Management is reporting is if it opened n XXXX I would like it removed from ALL credit reporting agencies
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (TX)

This request to either amend a specific account currently showing on my personal credit history, may all also request that the account be deleted permanently based upon either legal timeline requirements, or that the account has no legal basis on my credit report to begin with. My request is based upon the following criteria : The FDIC ( Federal Deposit Insurance Corporation ) set several guidelines during the national pandemic, whereas if financial accounts, be they secured or unsecured, could have been given several months of deferment. While I was not able to work full time during the pandemic, I was never offered a deferment on this specific account. Accordingly, I request that this account either be amended with the deletion of all payment histories, or deleted completely as a professional courtesy. 

Since the legal timeline is almost in play, please delete the account permanently.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

XXXX has failed to notify me of the reinvestigation of my dispute of an account by the name of Citibank. I never received any written notice of reinvestigation. That is another violation as stated in 15 u.s code 1681i ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion Credit Bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, 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 my 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 creditor. I hope this disputed account is removed. 

XXXX XXXX XXXX  Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-04-10
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. (TX)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX/transunion per Transunion credit report XX/XX/XXXX XXXX XXXX est fall off dateXX/XX/XXXX looking at XXXX XXXX, XXXX XXXX was removed from credit reportXX/XX/XXXX new XXXX XXXX report XX/XX/XXXX ; XXXX XXXX was placed back on and new est fall off date XX/XX/XXXX 1-why was it put back on after it was removed 2-why is the fall off date changed to XX/XX/XXXX from XX/XX/XXXX 3-date of last payment with original creditor XXXX XXXX XXXX XX/XX/XXXX per credit report ( XX/XX/XXXX was 30 days late and account never brought up to date. XXXX XXXX shows last payment XX/XX/XXXX but delinquency date of 120 days was XX/XX/XXXX. XXXX XXXX already removed from all three credit reports. 
4-XXXX for XXXX is 4 years and previously XXXX already advised in writing they can not sue me! 
5-why did date change and put back on credit report after it was removed
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

Even though I was making regular payments to my Lowe 's Pro account as I am a XXXX for remodel work, my account was cancelled without any explaination. I was expected to keep paying on the account with no further use of it. In addition to this my wife and I had a regular Lowe 's consumer card with a $ XXXX credit limit. During our personal home renovation project we were working on a home refinance and paid the regular Lowe 's consumer card off, around $ XXXX. Right after this payment bringing our account to a zero balance, Lowe 's and or Synchrony Bank decided to close our account. Then they reported our account as late even though they cashed the large payoff. This pushed us to work out a set monthly amount to be paid on the Lowe 's Pro card that was no longer active. They offered us {$29.00} a month, 0 % interest and no additional fees or late reports would be done. This is the second month they stated we were late ( even with the letter they sent us about the agreement ) we have to call in every month. They are reporting the payment as late even though we are set up for automatic deductions from our bank account. I called in today to request a settlement so we can be done with this company and not have to worry about late reports and such anymore. The manager played games and stated maybe one day a letter will be sent out. I again requested a settlement. My settlement offer was to pay for half of my bill ( due to my wife closing her hair salon during XXXX ) so we could be done. They refused to work anything out with me and then hung up.
Consumer complaint received 2021-05-31
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. (UT)

Equifax repeatedly keeps ignoring the fact that I've asked them to remove the address circled on the attached page a number of times. Some how they can't seem to read! I haven't had that XXXX XXXX address in more years than even I can remember. Remove it now or I'll get an attorney to help them figure out how to remove it. Last chance!
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank opened a overdraft protection line of credit for my checking account without my authorization, being that they opened the account without my knowledge this caused me to incur negative information on my credit report, I have called several times to try to get the bank to remove the negative information but they haven't done so even though they said they would. I did/ do have a select line of credit with citizens bank which I had with the prior bank before the merger XXXX, when citizens bank took over they took it upon themselves to open a new line of credit for me to act as overdraft without my knowledge or permission which was formerly overdrafted through what is now known as my personal loan. I had also asked them to close my checking account and they haven't done so, I asked for a closing document and they didn't provide it.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (NY)

JEFFERSON CAPITAL SYSTEMS LLC., is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( JEFFERSON CAPITAL SYSTEMS LLC. ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, per the FCRA as a federally protected consumer, I am now OPTING OUT of any and all authorization I the consumer may have given you, WRITTEN, UNWRITTEN, VERBAL AND NON-VERBAL per, { 15 USC 6802-6805 } effective immediately & indefinitely. I have enclosed with this complaint screen shots of 15USC 6802-6805 to substantiate my claims. Further, JEFFERSON CAPITAL SYSTEMS LLC. must HEREBY BE PUT ON NOTICE that they are furnishing incorrect inaccurate information. In JEFFERSON CAPITAL SYSTEMS LLC. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX are not affiliates of JEFFERSON CAPITAL SYSTEMS LLC. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-01-12
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. (NY)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2019-03-28
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. (CA)

I contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : XXXX XXXX XXXX XXXXXXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened XX/XX/XXXX I am attaching all the documents I sent to them earlier for your reference
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ross Morgan & Associates, LLC (OK)

I received a phone call from my sister saying someone was trying to contact me. I called the number ( XXXX ) they said they are from RM associates and I owe a bill for my child from XXXX at XXXX XXXX XXXX. The man 's name was XXXX, he said they were going to sue me for {$650.00} but if I paid him right now it would only cost {$320.00}. I said I need to call my XXXX, he said I have XXXX minutes to call him back. I spoke to the hospital that said I didn't have a bill at that time for either my child or myself, my child also is and has been on her XXXX XXXX insurance her entire life, she's XXXX. They knew my social and address.
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

I did not receive the letter mailed-by TD Auto Finance at the above address inXX/XX/XXXXabout the last payment due. As you can see, my account was on autopay, so I assumed, like all other payments, the amount will automatically be withdrawing out of my bank account on the file. 
The only letter I received about the last payment due was on XX/XX/. Upon receiving this letter, I promptly paid the amount owing for the final payment. 
Then I received another letter dated XX/XX/, notifying me, We may report information about your account to credit bureaus. Late payment, missed payments, or other defaults on your account may be reflected in your credit report. 
I have always paid all my installments on time, never have I been late. Also, I was not aware that the last payment is made manually. I urge you, and please do not report to credit bureaus of this late payment as this was a misunderstanding and unintentional error. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 
Do not hesitate to reach out to me on my cell ( XXXX ) XXXX