davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have Bankruptcy chapter XXXX-discharged - XXXX on my credit report. 

Date Filed was in XX/XX/2011 It's old account, the law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Consumer complaint received 2019-08-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (CO)

We had fallen behind on payments, and had set up a payment arrangement via the chat feature, and video recorded the entire chat. Once this agreement was in place, the company repossessed the vehicle while my wife was at work. We specifically asked in the chat if there was any further action that we needed to take, and were told there wasnt. Upon speaking with the bank, they notified us that the decision of whether or not this was unlawful was up to upper management, but will not let us speak to a supervisor and has told us that only an attorney can speak to them. We felt that we were promised by setting up this payment arrangement, that we were safe from repossession, and are now finding it difficult to talk to someone who can make this decision within the bank.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL 3 " CRA '' CONTINUE WILL NOT UPDATE FILE AND ADD MISSING ACCOUNTS TO CREDIT FILE ... XXXX XXXX XXXX # XXXX AND XXXX XXXX XXXX # XXXX ... MISSING INFORMATION ON CRDIT REPORT
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized, and I ask that you delete them : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquires are fraudulent and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (HI)

Resurgent Capital Services LP, a debt collector, was timely notified within 30 days of attempted debt collection of the dispute in the amount of {$1000.00}. That notification date was XX/XX/XXXX. The issue involves one transaction of {$610.00} in XX/XX/XXXX where XXXX, XXXX never resolved the dispute with the merchant nor the XXXX XXXX. They just added interest and penalties while the matter was still in dispute, bringing the account to {$1000.00}. The account was sequentially sold by XXXXXXXX XXXX  to XXXX XXXX XXXX. We stated in our dispute letter to Resurgent Capital Services LP on XX/XX/XXXX that we disputed the original transaction and the charges for interest and penalties that XXXXXXXX XXXX added while the matter was still in dispute. 
Subsequent to XX/XX/XXXX, Resurgent Capital Services LP has used pseudo debt collection companies like XXXX XXXX and XXXX XXXX XXXX and has also used multiple addresses in their letters. All these related entities were also sent timely written letters within 30 days of attempted debt collection of the disputed amount. Our written responses were sent to all the multiple address that Resurgent Capital Services LP employed in their debt collection letters. We continue to be harassed by the repetitive annoying debt collection form letters from Resurgent Capital services LP and multiple addresses that they have employed, all of which we have timely disputed within 30 days in writing. Our postage has cost {$6.00} for each certified return receipt plus our time and effort to respond to these multiple letters. We consider this ongoing repetitive behavior by Resurgent Capital Services LC harassment, because they have been told multiple times not to contact us again. ( See copies attached of the certified, return receipt written letters for our timely responses. )
Consumer complaint received 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

on XX/XX/XXXX at approx XXXX quicken loans did a hard pull on my credit and my wives without authorization. we have worked very hard to fix our credit and it was only supposed to be information gathering and they ended up doing a hard pull and took multiple days to respond and then tried blaming me for approving it in which i never did. they deflected back into turning it into a sale instead of addressing the issue. and kept bouncing the blame between my wife and I when they should have never pulled.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/2019 I received a letter from XXXX XXXX, stating that XXXX XXXX has requested the removal of my collections account from all consumer reporting agencies. XXXX  has removed it, however, as of XX/XX/2019, Equifax still has not. On XX/XX/2019, I submitted a dispute through Equifax. On XX/XX/2019, the investigation was complete, and Equifax continues to show my collections.
Consumer complaint received 2019-08-26
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. (TN)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, USDOE/XXXX DPT ED/XXXX, XXXX XXXX XXXX. US DEP ED. There are also inquires that not mineXXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX DEPT OF ED.
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (FL)

I opened a suntrust account XX/XX/19 and deposited {$400.00} in savings and {$800.00} in checking. Today XX/XX/19 I cant use online account so I called they said my account will be closed. No provided reason and no access to my money. I called three different departments went to branch in person an tried atm. They would not give me info or my money. Ive had no money for basic needs lol gas, for, shelter I have no other way to get funds. They said I will get a check in mail of my money in 7-10 days after 5-7 day investigation. They refuse to help me or allow me funds to survive.. I did nothing wrong.. Im a hard workin RN!
Consumer complaint received 2019-08-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX COUNTY DEPT AND FAMILY SUPPORT DIV XXXX HAVE PLACED LATE PAYMENTS IN XX/XX/2019 AND XX/XX/2019 ON MY CREDIT REPORT THAT ARE NOT ACCURATE AND ITS AFFECTING MY CREDIT
Consumer complaint received 2018-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CO)

Cavalry SPV I , LLC gave an old, out of statute and industry standard debt to XXXX XXXX XXXX to try and collect. XXXX per CFPB compaint # XXXX has agreed the debt is not collectible and has returned the account to Cavalry SPV I , LLC. They now need to close this account, as it is illegal, unethical, and bad business in general to try and collect this debt. They know they can no longer report the debt to credit reporting agencies as it has been removed from ALL credit bureaus. This was an ILLEGAL attempt to subvert law and industry standards to collect a debt that I do not owe.
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Adler Wallach & Associates, Inc. (CA)

This abuser posts Every month a past due payment for a storage unit that i was told was illegally sold by the storage place after I paid a amount less 1 months amount to the manager on duty, and he even emailed me by electronic communication that he took our items off the auction list, and in fact we had SIGNED a ELECTRONIC NOTIFICATION agreement for us to be notified of Any issues by electronic email instead of paper mail aka letters which the manager at the time XXXX XXXX XXXX also signed and a XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX California XXXX. 

When we went to pay the amount due after paying them XXXX the month before plus XXXX the nextday, he said oh my we went and sold your items anyhow, even though we have their emails 2 weeks prior saying to me to get well, no worries we are fine which i still have the electronic communication which is the legal way to notify us of any issues, and they meaning the XXXX XXXX managers used the email electronic communications INSTEAD of emails as in the contract signed to Decieve and to us to lose our personal property and childrens heirlooms. 
Now their collection agency AWA collections are billing us on a monthly basis for the past four years as if they still have our property in the units, so either they should IMMEDIATELY NOW produce our items if they are still charging us, or cease placing False information on the credit reports that we are past due every month, if they have our items still, which included our person documents and photos of our babies and our clothing Advise us, since the personal items Where NEVER RETURNED as prescribed by law that had no vaule of interistic except to us, and then if there is nothing in these units, then stop placing what amounts to False and MISLEADING information that the units have our items still inside, if they are then they meaning the storage company staff lied to us and just took our money.
Consumer complaint received 2019-09-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Dear Sir or Madam : I recently obtained a copy of my credit report from Equifax Credit Report and found the following item to be in error : Citizens Bank ATTN :  XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX Account # : XXXX Amount : $ {$11000.00} On XX/XX/2017, Citizens Bank and I agreed to a settlement of {$3500.00}. However, Citizens Bank continues to report this loan and unsettled/written off which is directly effecting my credit score. I have spent several days trying to resolve the matter but Citizens Bank continue to ignore the matter. 

I am officially writing o CFPB and asking for assistance because my efforts have gone now where. I have also reported these to the 3 credit reporting firms for dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I requested a method of validation on XX/XX/2022. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. They sent me a letter that does not include the information I requested.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MN)

As of XX/XX/2020 my XXXX XXXX XXXX  and XXXX XXXX report shows a increase of XXXX just added to my report through Ally Financial. I called Ally financial XX/XX/XXXX & XXXX Th 2020 at XXXX XXXX  and XXXX XXXX. Ally said there are no late payments and that they will file a dispute but will take 45 business days! My score as of XX/XX/XXXX Th 2020 is XXXX! If this increase of XXXX through ally financial was not appearing my score would be in the 700 s and I have not been late one time with them all these years! Why is this saying this if ally said in their end they see no increase of XXXX nor have I been late?! This is impacting my ability to have a higher score and it's not EVEN my fault ; (
Consumer complaint received 2024-03-04
Product: Credit reporting 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. 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2020-11-05
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: TRUIST FINANCIAL CORPORATION (DC)

I have 2 accounts with Suntrust, a mortgage, and home equity line of credit for my house. 
both accounts were on forbearance with the company due to covid with auto-renewal. 
I had my mortgage for 21 years and home equity over 10 payments were always on time. 
My mortgage got auto forbearance but equity without my knowledge was not extended. 
I did not get a notice. The bank reported to the credit as been late. I called the bank and I was told there was nothing they can do I needed to dispute it with the credit bureau and due to internal issues equity line did not get auto forbearance like the mortgage account. I made the equity line payments to bring the account current and on time with Suntrust but the credit report still shows late. This action brought my credit down significantly I am in process of refinancing this will affect my ability which I work very hard. I want Suntrust to reverse their action on the credit report.
Consumer complaint received 2019-08-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION (TX)

Oportune used to be known for progresso finaciero I have talked to them multiple times about my hardships at work and that I know of my financial obligations towards the loan. They offer no resolution and try to force huge amounts obvious payments that I cant pay. Ive paid them XXXX and then XXXX twice trying to catch up with my obligation. They call 8 plus times a day harassing me even after I try to resolve my missed payments. They have called my place of work and sent letter plus an actual person to my place of work which is my Employers physical address putting my job at risk of me being fired because my boss is not appreciating these calls or someone arriving at her home. She as well be filing a complaint against them. I dont own any vehicles, a home or house. They are threatening to sue or have filed when Ive tried to discuss with them and resolve issue. They do not care. I would understand if I were honestly ignoring my obligation but I am not. Im trying to work with what I can. Ive had two loans with them before and paid them off. This is a third loan Ive obtained with them and its ridiculous to me that I am a Returning customer and this is what they are doing to me. After I pay this off I will ABSOLUTELY not do any type of business and take my referrals elsewhere who have taken out loans with them as well. This company is a joke and Im thinking of course suing for my hardship with them and my way of income being compromised because of them harassing my employer.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have an account in COINBASE since XX/XX/2021. 
In XXXX I made a deposit and COINBASE has blocked my account. 
I can not enter or withdraw my money. 
This has caused losses, since I have been trying to sell my XXXX  for a month and I have not been able to. 
This has caused it to have significant losses in the currency I am trying to sell my currency and get my money back and coinbase has my account blocked. 
I have submitted multiple claims, but they are not helping me. 
I want my account to be unblocked so I can sell and cancel. 
I want to be paid for the losses I have had since XXXX Customer service is very bad My XXXX is XXXX My initial claim : # XXXX I have also requested more claims : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX I request your help to respond and resolve my claims Thank you so much, best regards
Consumer complaint received 2018-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I feel the repayment plan that was set up for my student loans has been misleading and are structured in a way that causes harm to the borrower. I have been making payments on my student loans for a little over 4.5 years and have not seen any progress. Since 2013 I have paid a total of {$15000.00} however my balance has only decreased by {$3000.00}. I am on an Extended Repayment Plan that will not repaid until 2040+. I will be refinancing my loans with a private company now that my credit is established. The private company has offered nearly the same interest rate with a 15 year term. In addition, my estimated payment will only increase by {$100.00} a month. Had the terms of Navient been similar to the private borrower I would only have approximately 10.5 years left and a substantial decrease in principal balance. The structuring of the Extended Repayment Plan that was recommended by Navient has caused me to potentially stay in debt for over 20 years. This should not be legal because it takes advantage of students that do not have credit established in order to qualify for a private loan with regulated terms.
Consumer complaint received 2019-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2019 XXXX Pension agency sent me a payment of EUR  XXXX to Capital One Bank. An account number at Capital One Bank, which I have provided to the XXXX agency was incorrect. However, the bank has deposited money to this incorrect account despite the fact that the name on this account wasn't mine. In response to several requests to trace the transaction Capital One Bank finally notified XXXX agency that they are unable to recover money from that account. My personal calls to Capital One Bank always ended up with advice to contact the sender. 

On XX/XX/2019 I have filed a compliant with CFPB and attached a letter from XXXX pension agency describing the situation and their activity to get information from the issuing bank and Capital One. Despite this letter, on XX/XX/2019 Capital One has responded with a completely formal letter, saying that they do not have enough information to identify the problem and recommended to contact an issuing bank. The bank employee who signed the letter also provided his personal phone number and asked to call if I have questions. Needless to say that when I called that number and left the message, nobody called me back ... 

It shows that this institution learned well how to diminish effect of such requests especially because CFPB closed the case without any follow-up. Now I pushed to file another complaint because I do not know what else I can do.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , TX XXXX   ( XXXX ) XXXX  Last Payment Made : : XX/XX/2016 High Balance : {$260.00} Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/2016 Date Paid : XX/XX/2016 XXXX  has been reporting a collection on my credit report since XX/XX/2016. Have always been current with XXXX  still am. I called and written to XXXX on several occasions only for them to state that they can not find this account in their system, thus can not issue a deletion letter or remove it from the report. XXXX keeps telling me to dispute with the bureaus but bureaus coming back stating " it was been verified and will report for up to 7 years '' ... who is lying and who is violation F.C.R.A. here ....