davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2015-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (TX)

As a XXXX person in Texas, the least interaction with governments we can get by the better, as reports have it that we latinos are targeted unfairly for our hidden taxes disguised as fines for myriad reasons. 

A case in point is a collection agency targeting and harrassing my family with no end. Said municipal collection agency has received responses for me to stop sending collection notices as the charges relate to someone else. No matter! The collection charges have kept coming and every time they put stress on my family and create undue anxieties. Escalating this issue, we have contacted the City of XXXX which is the source of the alledged fines. The City of XXXX reportedly took care of it, but the charges just keep arriving in my family mailbox. 

We have exhausted every recourse we have, but our over-one-year efforts have been fruitless. 

Please CFPB, you are the last recourse we have in fighting the onslaught of phony charges that minorities are exposed to, and have no recourse to remediate at the local level. Thanks.
Consumer complaint received 2022-05-05
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US 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 2022-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Account # 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 2023-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

Subject : Notice of Trespass and Demand of Cease and Desist Dear Sir/Madam, I write to you on behalf of Anthony-Deshawn : XXXX XXXX XXXX XXXX XXXX XXXX. It has come to our attention that your firm 's actions have resulted in an intrusion on the trust property associated with the aforementioned entities. These actions are perceived as a violation of several United States codes, resulting in harm to XXXX XXXX XXXX. 

We hereby demand that your organization immediately cease and desist all such activities that infringe upon the rights and property of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Failure to comply with this demand will be seen as an acceptance of the terms and conditions as well as the fee schedules associated with both entities. This acceptance will be binding and may result in the imposition of fees and penalties as outlined in these terms and conditions.

Please understand that this letter is not exhaustive of our client 's rights, remedies, claims, defenses, or assertions, all of which are expressly reserved. We expect your immediate attention to this serious matter. 

We trust you will take this matter seriously. Please confirm receipt of this notice and your commitment to cease all trespassing activities as soon as possible. 

Yours sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ]
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts are incorrect, and it's causing me discomfort.
Consumer complaint received 2022-05-05
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # 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 an account without my written instructions
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

My CareCredit card is being charged a card security fee that was not disclosed upfront. I had XXXX  XXXX done XX/XX/31 and went to take advantage of the 24 month promotional financing. I have since learned they are charging me roughly {$37.00} a month for this pricing, wiping out nearly half of my monthly payment to this. When I tried calling their customer service line, I am directed to a different number. When I try to call their office, I have no luck in reaching them. Its upsetting because this fee was not disclosed and has only began being tacked on since my new promotional financing ( bill for roughly {$2300.00} ) began. This should be illegal.
Consumer complaint received 2022-05-05
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. (NY)

The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of theFCRA. I have submitted 8 complaints informing The 3 Credit Bureaus that I was a victim of identity theft.The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed theirguidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), Isubmitted the identity theft reports, provided a report circle the fraudulent accounts, anaffidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimedthe accounts listed below have been verified and are accurate. I'm truly confused by theirantics/tactics on how to report this issue but they are ignoring this dispute and failing tocomply with the rules set forth in the FCRA. I need them to be held accountable & have thefollowing accounts blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IN)

I have sent numerous dispute letters with no response for company or credit bureau. XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. One response from XXXX stating debt was verified however when I ask for verification no correspondence sent. I didnt give permission for XXXX XXXX XXXX to report anything on my credit report
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN ADJUSTMENT BUREAU,INC. (IL)

I have been trying to dispute seven medical collections, each of which were involved in a data breach that leaked HIPPA records amongst other things. I have tried repeatedly, through disputing with XXXX to putting in a complaint with the CFPB in the past, yet the debts have not been removed even with my health insurance.
Consumer complaint received 2022-05-05
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account ( 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 2017-09-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

Chrysler Capital called me at work due to a payment that I have not yet paid. I am less than 30 days late on the lease payment. However, they still did call me on a number that was listed as a work number. The representative that called admitted it was showing as a work number. This is unacceptable to be bothered at my place of work. I work for a XXXX XXXX that does not tolerate such behavior.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

In XXXX of 2023 I spoke with a rep from Santander Consumer Usa about the reason I fell behind.Which was due to a XXXX  XXXX which took me out of work for XXXX .I told her I needed to make a payment plan which would bring me up to date as I was just starting to get back to work.She told me she would be happy to help me with the issue.After discussing the options we agreed to XXXX for XXXX 2023,XXXX dollars for XXXX of 2023 and the last one would be for XXXX due XX/XX/XXXX 2023.Just received another statement in the mail charging me XXXX late fees.All my payments are done by phone and paid before the due date! When I call them back I get the same answer n nothing is resolved! Also I have spoken to them time and time again about late charges nothing changes! Also requested for them to stop calling my co signer because she doesnt pay my payment and they keep her
Consumer complaint received 2018-07-14
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 AM A VICTIM OF ID THEFT. MY PERSONAL INFORMATION WAS COMPROMISED AND SOMEONE/S OPENED SEVERAL ACCOUNTS IN MY NAME AND AS A RESULT THEY WENT INTO DELINQUENCY. THE ACCOUNT THAT I HAVE BEEN TRYING TO REMOVE IS A RESULT OF THAT..
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX # XXXX Amount : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX Account Number : XXXX Amount : 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 an account without my written instructions
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (MD)

They reported late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I am pretty sure I was not late. I keep disputing this with them and the credit reporting agencies and I also sent them a hardship letter because I did belive I was delinquent at one point but I am not. I want them to show proof of all the delinquencies. THEY ALDO GAVE THE ACCOUNT AS CLOSED WHEN IT'S NOT!!!! THEY'RE REPORTING INACCURATE INFORMATION. WHICH IS ILLEGAL.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TX)

XXXX XXXX XXXX XXXX XXXX  posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter.
Consumer complaint received 2022-05-05
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: Asset Management Outsourcing, Inc. (GA)

In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602 States I have the right to privavcy.

15USC 1681 SEction 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days brfore the payment due date.
Consumer complaint received 2017-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

I recently had my credit report run and and in the findings was a charge from CitiCards CBNA. The only date it shows in XXXX XXXX with a {$8000.00} limit. Below this it states that the card is OVER THE LIMIT at {$8200.00}. It was reported to my credit report that an account is now over the limit. I do not ever recall opening this account as I do not know what Citicards CBNA is. I have never been approved for anything as high as {$8000.00} nor have I ever been able to charge anywhere close to the amount.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (GA)

In XX/XX/XXXX I spoke with a customer service rep who was assisting with my billing. I was canceling my service due to a move and the rep inform me of a XXXX $ balance. On XX/XX/XXXX my account was put into collections and I contacted who my billing was sent to which is " Diversified Consultnts '' and the customer service reps were no help and basically I was told to speak back with XXXX about my billing. Nothing has been removed and I would really like my credit cleared of this unknown amount, which is not and I have not even received a bill with this amount.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

My husband and I have had a credit card with Citibank for over XXXX years. This is an XXXX & XXXX XXXX and we were XXXX XXXX. We received a letter several weeks ago that they had cancelled the card because we had n't used it in XXXX years. There was no notice that they were going to cancel the card - just the letter after the fact telling us not to use the account anymore. 
I called customer service and was told I could either open a new account or go through a process to ask them to review the account to determine if they wanted to reopen the account, although there was no guarantee that they would actually reopen it. I then talked to a supervisor who told me the same information but added that she had tried to get Citibank to notify customers before the account was closed rather than after but that her suggestions had been ignored. I chose not to go through their review process because it would mean lifting our credit freeze at the three credit bureaus, for which we would be out about {$60.00} with no assurance the account would be reopened. 
I then wrote to Citibank about the situation. We received their reply yesterday - " It is our practice to notify customers AFTER the date we close the account '' ( Emphasis on after added. ) Had we been given even a few days ' or weeks ' notice, we could have used the card and kept the account open. Now, our credit score will be negatively affected and there seems to be no remedy with Citibank other than to go through a review process which provides no assurance that they will reopen the long-standing account.
Consumer complaint received 2022-05-05
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: Global Lending Services LLC (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any pupose.
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (WA)

I received the following text message stating my account was being locked and instructing me to contact a web link. 

WELLS-FARG0 : Your account has been temporarily locked for security reason. Verify here : XXXX XXXX XXXX XXXX  This is the phone number the message was sent from. ( XXXX ) XXXX. 

We have no financial accounts or contacts with Wells Fargo.
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (IL)

There is company on my credit report - LVNV Funding LLC reporting an account with the EXACT same account number that I submitted a complaint about earlier from XXXX XXXX that I do not recognize. I 'm guessing it is a collection agency but I do not know. It was reported XXXX and the status says " chargeoff or collection '' with a balance of {$2100.00}. I do not have anything with this account number not have I ever heard of LVNV Funding LLC .
Consumer complaint received 2022-03-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (FL)

I keep getting calls from this fraudulent debt collectorny XXXX XXXX XXXX Phone number ( XXXX ) XXXX, ( XXXX ) XXXX, and other numbers. They are claiming that I owe a debt to an online payday loan company called CHECKSMART LOAN. I do NOT owe this company anything. 

Checksmart loan has also pursued me through another fraudulent debt collector called XXXX XXXX XXXX ( XXXX XXXX XXXX ) which site isn't even working because they are scammers. They call me from XXXX and XXXX. 

Please help me stop both fraudulent debt collects from contacting me about a loan I don't owe. They are very threatening, belligerent calls. They call me multiple times a day saying that they will send people to take me to jail, that they will show up at my job, that they will take me to court. It's just too much. I need these Please penalize Checksmart Loan for making false accusations that I owe them when I don't.