davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2017-01-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Resurgent Capital Services L.P. (OR)

I have received a letter from the XXXX XXXX XXXX XXXX. They have sent this letter for a company named LVNV funding concerning a debt that was on my credit report in the past and charged off on XXXX/XXXX/2007 according to this letter form XXXX XXXX XXXX XXXX. With that being the case any statutes of limitation has run it 's course. 
LVNV Funding has received letter 's in the past from my attorney to cease collection efforts and they agreed with letter to my attorney. Now they are using this other company to collect an uncollectible debt. LVNV Funding is well aware of this and this is an illegal attempt to collect an uncollectible debt. This is an attempt at scamming me, If I was not aware of the law, I would not know what to do. This company, XXXX XXXX XXXX XXXX does not preform it 's due diligence before it sends out it 's notices. If they had they would see that this is uncollectible yet they try to scam people on a regular basis. I know several people that have had this company try to collect uncollectable debts. They even offer a " convenient '' repayment plan for those that are unaware of the law. 
This to me seems to be in violation of the fair credit reporting act, violation of the Fair Debt collection Practices Act and is probably in violation of Oregon state law as well.
Consumer complaint received 2020-09-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2020 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX, XXXX account # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C1681 section 604a section 2, states as well that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2020 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX, XXXX account # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C1681 section 604a section 2, states as well that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MS)

Citibank locked my account due to they said they were doing a fraud investigation. I have no idea why or what would have caused them to do this. However, they said 90 days. It's been almost 6 months! I have over {$1100.00} in that account, and they only give me the run around. They have blocked me from even being able to access my account online, and I'm on paperless billing
Consumer complaint received 2020-09-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUCCESS MORTGAGE PARTNERS, INC (TN)

Success Mortgage Partners has been deceptive and dishonest throughout the entire lending process. We started working with them in XXXX of XXXX and was supposed to close on the home XX/XX/XXXX. The Loan Officer ( XXXX XXXX XXXX out of Michigan ) asked if we could extend the closing until XX/XX/XXXX to allow more time to gather what was needed. They have repeatedly lied about the file being in underwriting, being approved and being sent to XXXX. I've had to repeatedly send them the same documents over ahd over because they keep losing what was sent. We learned on XX/XX/XXXX by the Account Executive that the loan officer working on the file is not experienced with XXXX which has only further delayed the process. They fail to answer calls or emails. I am at risk of losing {$500.00} earnest money if the file does not close by XX/XX/XXXX which was the agreement to extend the loan based on what we were promised by Success Mortgage. I will also lose the {$500.00} I paid for the appraisal to this lender as well as {$220.00} spent for the home inspection and {$35.00} spent on a termite inspection. I do not have credit issues and can not understand what is going on with this company and their inability to close a loan in 30 days. It is very disheartening to experience dishonesty when working with lenders/mortgage companies. This company should be investigated.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Correct this immediately as your denial violates the law. Remove these fraudulent accounts swiftly or face legal escalation. Your prompt attention to this matter is expected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BAM Financial, LLC (GA)

I was promised by Bam financial XXXX XXXX XXXX XXXX that my credit would be restored and a letter to stop and cease would be sent to a company called XXXX XXXX XXXX, but was never done. My credit report was never pulled and nothing was ever done to restore my credit. I was scammed out of {$700.00}. This person also has a copy of my driver 's license and social. He always has excuses each and every time I try to contact him.
Consumer complaint received 2020-09-16
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. (FL)

THERE ARE THINGS ON MY CREDIT REPORT THAT I NEVR HAD. I HAVE NO IDEA WHERE THIS STUFF COMES FROM. I JUST KNOW THEY ARE IMPACTING MY SCORE AND THATS NOT FAIR. I HAVE INQUIRIES THAT I HAVE NEVER INQUIRED ABOUT. PLEASE REMOVE THIS STUFF FROM MY CREDIT AND SEND ME A COPY.
Consumer complaint received 2023-04-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WLCC (FL)

I received an email regarding collection of future payments at XXXX on XX/XX/2023. According to the Florida consumer laws a collector is not allowed to contact you by phone or email prior to XXXX. This is a clear violation of the law.
Consumer complaint received 2019-06-12
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: SYNCHRONY FINANCIAL (TX)

XX/XX/2019 I purchased a set of 3 robot vacuum for {$190.00} and a warranty for another {$20.00}. The ad showed and specified that they worked on any surface, carpet etc. When I got them, they did not work. I immediately asked for a prepaid return label to return them. They could have been damaged in delivery or defective but its probably just a dishonest company pulling a scam and using USPS to do it. I then informed PayPal that I refused to pay the charge or the s & h and requested them to recourse it back to the merchant. If the merchant would like to sue me they are more than welcome. If they want the merchandise returned, then they will have to send a prepaid return address label. I have called PayPal numerous times and been transferred to all their departments from PayPal credit to resolutions and back again and to various managers. Thus far they have refused to recourse the charges back to the merchant as I requested. I refuse to pay the charge and have made that clear since I received it. My understanding is that I have that right with any credit card charge. Please help. 
Thank you for your time.
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

On XX/XX/2022 I have received an electronic statement notification from my credit card, a XXXX XXXX product. I didn't opt in for electronic notification so I attempted the card to be switched to the paper statement. 
on XXXX I called the number on the back XXXX XXXX and during the call to the call center in XXXX it was apparent to me that the person taking the call, XXXX, did not understand or comprehend what I was asking for. When I asked him to repeat what I was asking for ( switch to the paper statement ) he was unable to repeat it. Subsequently I asked for the US based supervisor and I was put on long hold and then at XXXX I was hung up on. 
I called again and after dealing with another XXXX based call person I was finally transferred to the supervisor in XXXX who after giving me the name XXXX and XXXX XXXX XXXX XXXX I was suddenly hang up on. 
The third call finally got me to the call center representative who was kind enough to forward me to the call center employee in the US.

Issues : 1 ) why the Citibank sent me an electronic statement reminder as I did not switch to it and prefer paper statement?

2 ) Why is the company disrespectful and negligent enough to outsource the CSR jobs to call center companies that not only poorly treat customers but do not have a basic comprehension of the English language to offer ANY meaningful assistance?

3 ) Why is the Citibank not willing to offer a letter of apology and steps put in place to make sure that what happened to me doesn't happen to others? What about 40 plus min wasted out of my life for a simple matter of having the paper statement sent to me?
Consumer complaint received 2020-12-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Constar Financial Services, LLC (AZ)

I disputed this collection with XXXX after not agreeing to information on credit report. Now I have a missed payment on my credit report reporting from closed collection that has been charged off. This is not right and should be removed from my credit report
Consumer complaint received 2023-04-10
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. (MO)

This is XXXX XXXX and I am submitting this CFPB Complaint to vehemently dispute the fraudulent items listed on my credit report. It is utterly unacceptable that these accounts are present on my report, especially since I did not open them or give authorization for anyone else to do so on my behalf. I am appalled that you have not taken the initiative to remove them already. The items in question are listed below, and I expect that you will take immediate action to remove them : XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$700.00} XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX Unpaid Balance {$0.00} XXXX  XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXX, XXXX XXXX  XX/XX/2022. I insist that you provide me with a written response outlining the results of your investigation, and I expect to receive an updated copy of my credit report once the fraudulent items have been removed. Do not underestimate the seriousness of this matter. I am taking all necessary steps to report this case of identity theft to the authorities and will not hesitate to pursue legal action if necessary. Your immediate attention to this matter is expected.
Consumer complaint received 2023-04-10
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/XXXX
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Checking account opened in my name, address, email, and SSN through Bank of America. Initial notice received on XXXX/XXXX/2022. Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX to have account closed. Bank states the account is frozen, but will only close if I submit personal documents such as SSN, drivers license, and more -- which I am not willing to provide. I received an account statement on XXXX in mail. I called Bank of America and they confirmed they have yet to close this account.
Consumer complaint received 2022-01-08
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. (AL)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint.I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Consumer complaint received 2019-03-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (LA)

I have been contacted by a company named XXXX XXXX XXXX XXXX, XXXX who alleges that they are representing ACE cash express in an attempt to collect a debt from XXXX. I have explained to the company, XXXX, that I am unaware of this debt and that its been 16 years ago. I have not received proper documentation verifying the debt as they indicate that I obtained a payday loan in XXXX. I have asked for the documentation and have not received this. I have contacted ACE and they indicated that I have a XXXX balance and any debt was charged off and sold to company XXXX in XXXX. XXXX was contacted on XX/XX/XXXX and they indicated that they do not contact individuals in this threatening manner and that they no longer have the account as it was sold again to a company XXXX XXXX  who when canted had no information on the account. 

The company XXXX has contacted 4-5 different relatives and friends threatening to sue me and them for the debt.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

Back in XX/XX/2013, I purchased Items from Conns Appliances. The merchant overcharged me for the items at the time and charged it to my credit account. There was a difference in the amount charged on the contract I wrote to the amount reported to the credit bureaus. I was investigation this once I discovered the error and had the amounts consolidated. So the debt amount is incorrect as well as the interest rate on my credit score. I was ignorant of my rights as a consumer so I paid the amounts for a while and once I discovered the truth I tried to get to the bottom of the debt. The payments I was making were not decreasing my loan amount according to my numbers. No one was willing to hear me or resolve my issues when I went to the locations. I ended up contacting Conns in order to settle the debt amount with a pay for removal of negative items agreement. I paid the settlement of {$1600.00} and was promised the negative credit marks would be removed. I since checked my credit report and the negative marks are still present. I have no contact information for the credit department so I speak to customer service regarding my issues and they claim that the credit department will not live up to their initial agreement to remove the negative marks. I faxed over a letter with my request 2 times. I also spoke with a representative that stated that they have a courtesy removal of negative marks from my credit report and now when I contact their offices they deny this is the case and in most cases keep me on hold for hours and hang up. Conn 's appliances have a reputation for being dishonest and ruining their customer 's credit but I was unaware of this fact before I made my purchases. 
I have recorded conversations of discussions I have had with Conn 's representatives.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Subject : Dispute Regarding Refusal to Delete Negative Charge Off After Receipt of XXXX Form Dear Sir/Madam, I am writing to dispute the refusal of XXXX to delete a negative charge off from my credit report, despite the receipt of a XXXX form from XXXX XXXX  indicating the discharge of the debt. 

On XX/XX/year>, I received a XXXX form from XXXX XXXX  XXXX which clearly indicates the discharge of the debt associated with account [ # XXXX ]. As per the guidelines set forth by the Internal Revenue Service ( IRS ), the issuance of a XXXX form signifies that the debt has been canceled, forgiven, or XXXX. Therefore, it is imperative that XXXX  updates my credit report accordingly. 

Despite the receipt of this XXXX form, XXXX has refused to delete the negative charge off from my credit report. This refusal to update my credit report with the accurate and current information is not only misleading but also in violation of the Fair Credit Reporting Act ( FCRA ). 

I request that XXXX takes immediate action to rectify this situation by : XXXX. Deleting the negative charge off associated with account [ # XXXX ] from my credit report. 
XXXX. Updating my credit report to reflect the accurate and status of the XXXX debt as indicated by the XXXX form from XXXX XXXX. 
XXXX. Providing written confirmation of the deletion of the negative charge off and the update to my credit report. 

I have attached a copy of the XXXX form for your reference and verification. I trust that XXXX will handle this matter with the utmost urgency and professionalism. I expect a prompt resolution to this dispute and the removal of the inaccurate information from my credit report.