davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (DC)

In XXXX 2015 my credit card with Citibank was compromised. They contacted me promptly to address the issue, told me they were freezing my card and sending me a new one. At that time they notified me of a few pending charges and assured me that those charges not incurred by me would be refunded. 

Unfortunately, I later noticed XXXX charges from a company called XXXX XXXX, each for {$140.00}. This appears to be a company based in Tennessee. I currently live in XXXX, XXXX. I have never heard of or done business with this company. As soon as I noticed these charges on my bill I contacted Citibank to notify them, and was told they would be refunded in 7-10 business days. 

Approximately XXXX weeks after my initial conversation with Citibank about the fraudulent charges from XXXX XXXX, I called them again to notify them that I had only been refunded XXXX of the charges and the remaining {$140.00} was still outstanding. They assured me that the charge would be refunded and again asked me to wait up to 10 business days. In good faith, I did, but no further credits were made to my account. I have since contacted them XXXX more regarding this same charge. The last time I called, approximately one week from today, I was told that the charge was refunded to me, but for some reason it was not showing up when I looked at my bill online. I was told that they would send me copies of my paper statements, which would show the refund. 

I received the paper statements earlier this week, and no refund appears. I see the original refund for {$140.00}, which I was well aware of, but nothing has been done about the remaining {$140.00}. I even thought there might be an error in showing the credit/refund, on the bill, but it might instead be reflected in my balance. This was not the case. I added up the credits and debits to my account manually, and the balance is still missing {$140.00} incurred due a fraudulent charge.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Reporting act XXXX  DATE : XX/XX/XXXX, XXXX/XXXX  DATE : XX/XX/XXXX, XXXX XXXX  XXXX Date XXXX XX/XX/XXXX, US SM BUS ADMIN date : XX/XX/XXXX, XXXX XXXX Date XXXX XX/XX/XXXX, XXXX XXXX  Date XX/XX/XXXX & XX/XX/XXXX, also XXXX  XXXX acct # XXXX, XXXX acct # XXXX ALL HAVE 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.

these accounts and inquires where fraud and not consented by me and should be immediately removed
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I went to try and purchase a vehicle and they pulled my credit report they said they were only going to pull my credit report one time and they ended up pulling my report multiple times with other lenders. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX XXXX XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX/XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XXXX/ XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021
Consumer complaint received 2022-03-31
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (NY)

I am writing today because I am shocked on how poor attention and lack of investigation XXXX, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : LVNV FUNDING LLC Account Number XXXX The first error date of activity XXXX is reporting XX/XX/2021 and XXXX is reporting XX/XX/2021. 

The second error account status XXXX is reporting closed and XXXX is reporting open. 

The third error payment status XXXX is reporting payment status as collection/ charge off and XXXX is reporting Late 120 days. 

The fourth error is last payment XXXX is not reporting a last payment and XXXX is reporting last payment XX/XX/2021. 


I have sent numerous letters to XXXX and XXXX they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. I have the right for 100 % accuracies on my credit report.
Consumer complaint received 2023-11-28
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. (KS)

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to try and purchase a vehicle and they pulled my credit report they said they were only going to pull my credit report one time and they ended up pulling my report multiple times with other lenders. 

XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX/ XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021
Consumer complaint received 2022-03-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing today because I am shocked on how poor attention and lack of investigation Experian, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX Account Number XXXX The first error date of activity Experian is reporting XX/XX/2021 and XXXX is reporting XX/XX/2021. 

The second error account status Experian is reporting closed and XXXX is reporting open. 

The third error payment status Experian is reporting payment status as collection/ charge off and XXXX is reporting Late 120 days. 

The fourth error is last payment Experian is not reporting a last payment and XXXX is reporting last payment XX/XX/2021. 


I have sent numerous letters to XXXX and Experian they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. I have the right for 100 % accuracies on my credit report.
Consumer complaint received 2021-09-10
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: Experian Information Solutions Inc. (MS)

I recently disputed an inaccurate report to Experian. After 30 days, I did not hear from the company. Therefore, I filed a CFPB complaint a few days ago. In an attempt to immediately respond, Experian did not fix the account. Instead, they published incomplete results and started a new dispute. What they did was illegal and unethical.
Consumer complaint received 2018-06-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (TX)

I submitted a large insurance check from XXXX XXXX XXXX, ( hail damage occurred ) to Santander Consumer Credit, it was to pay off the balance of {$3900.00} towards my auto loan, leaving me a Clear Title and a reimbursement of {$2000.00} from that pay off .That check & loan info was faxed & mailed USPS XX/XX/XXXX as instructed from their rep in the Title Dept., each representative stating the difference would be mailed to me in 3-5 Business days after check processed.I called Santander to verify they received the check, the rep indicated Yes & they are in process of clearing note & reimbursement would take 3-5 Business days .After not receiving that reimbursement I called again, at that time I was told I would not receive reimbursement until after XX/XX/XXXX .I have spoke to other reps & finally the Mgr in the Complaint Dept, advised me she would expedite my process, and she would call me back, NO Calls yet .I called today XX/XX/XXXX again I was told The account is clear & my check for reimbursement is due to process afterXX/XX/XXXX, I understand receiving a Title does take 30 -45 days, However I do not feel Santander Consumer Credit should hold my {$2000.00} for that length of time ... .or Any other consumer.
Consumer complaint received 2018-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. 

Please remove information from my credit file. ( XXXX, XXXX, Transunion ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]
Consumer complaint received 2022-03-31
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX credit services Account # XXXX, XXXXXXXX XXXX Account # XXXX and also any other XXXX XXXX  collection accounts has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-31
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)

Dear team of Consumer Financial Protection, I was shocked to realize that I have unknown items in my credit report mainly inquiries that are not connected to me. I have never done anything connected with these inquiries. Moreover I can not understand how come I got into this situation that my report is damaged by unknown items. Please `I kindly ask you to remove them and make investigation because I feel its a mistake or error in reporting or something else. I hope you will help me.
Consumer complaint received 2020-10-07
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. (VA)

Hello, I sent correspondence over 60 days ago and my credit account remains affected by the incorrect information being reported. I send the letter on XX/XX/2020, I feel like Im being taking advantage of and I do not appreciate it. I was also affected by the XXXX data breach which is causing problems for me.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Maintaining timely payments has been a consistent practice on this account, and I have never fallen behind. I'm uncertain about the reasons for the presence of late payment remarks on my accounts.
Consumer complaint received 2021-07-01
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: CASHCALL, INC. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

XX/XX/XXXX I received an e-mail from XXXX XXXX that included my statement from last XX/XX/2017 because XXXX XXXX admitted to making mistakes on handling my loans so they were reversing the negative reporting they made to the credit bureaus last year. Two different XXXX reps verified that they would begin handling my student loans again which were in the process of being removed from ever defaulting or being late/delinquent in the first place. They said the process takes 7-10 business days at which time I will be able to login on to my old XXXX  XXXX account online and make online payments etc. I explained I wanted to just pay the balance and the girl I spoke with said as soon the negative reporting gets reversed I will be able to go online and pay. I said thats great and was so glad XXXX finally realized its morally/ethically wrong to report student loans as negative/late/delinquent etc to the bureaus if the student is unaware theyre not receiving bills XXXX was supposedly sending in the mail. 

Ten days past so I called XXXX to follow up and a Supervisor who was extremely rude and belligerent handled my call raising her voice telling me not paying my loans is the reason my credit got bad. Can employees behave this way when we call with questions? She didnt give me explain my situation and when I explained two different reps verified two different times I called in that the negative reporting XXXX made on my student loans was being reversed she told me that they were not supposed to do that, they had no business doing that. I wanted to ask her what was so wrong that was making her so angry and rude towards me but this supervisor kept cutting me off. Now I am super confused as to what happened etc. Its so stressful and unsettling to know that XXXX XXXX will handle your loans however they feel depending on their emotional state? This supervisor told me its their word against ours/the students/families/consumers and apparently the consequences of how they handle accounts and treat people is irrelevant.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Bal. Owned : {$2600.00} XXXX XXXX Bal. Owned : {$3900.00} XXXX XXXX XXXX Bal. Owned : {$1100.00} XXXX XXXX XXXX  Bal. Owned : {$990.00} XXXX XXXX XXXX Bal. Owned : {$2300.00} XXXX XXXX XXXX  XXXX Bal. Owned : {$990.00} XXXX XXXX XXXX  Bal. Owned : {$2600.00} XXXX XXXX Bal. Owned : {$3900.00}
Consumer complaint received 2020-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

Having trouble with my credit score reporting right and I am trying to get it solved, however none of the 3 bureaus ( XXXX, equifax and XXXX ) are willing to help and keep telling me to call the other to get my issue solved.
Consumer complaint received 2021-04-30
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. (VA)

I have been submitting letters to the credit bureaus since XXXX. The last letters I sent in XXXX. XXXX  responded that the account was verified by courts which is untrue because I have letter from court stating they dont give information to credit bureaus. XXXX XXXXnd Experian has yet to respond and its been 30 days but I sent letter to them as well from the bankruptcy court asking also that the information for Bankruptcy be removed from XXXX credit report. 

XXXX XXXX XXXX XXXX XXXX GA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX
Consumer complaint received 2017-06-13
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. (TX)

XXXX   XXXX   account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX . Equifax and   XXXX   are both still reporting this account as late for a payment status instead of paid. Also, Equifax is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.
Consumer complaint received 2018-06-06
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: Applied Business Services, Inc. (NY)

Hi my name is XXXX XXXX XXXX I am contacting you because my credit report is reporting inaccurate and fraudulent credit inquiries on my credit report and I want them removed at once because they are fraudulent and do not belong to me. Here is a list of the fraudulent items that I would like removed because they are fraud and do not belong to me and were not authorized credit inquiries Inquiry details XXXX/XXXX Inquiry from XX/XX/XXXX - Department & Variety Stores This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX/XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXX Dc Inquiry from XX/XX/XXXX + Bank XXXX/XXXX   Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX   XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX please remove all listed inquiries because they don't belong to me and are fraudulent and I want them removed off my credit report. Also {$2700.00} Original creditor : 09 XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$730.00} Original creditor : 08 XXXX XXXX XXXX  XXXX XXXX XXXX   are also fraudulent and do not belong to me and I want them removed off my credit report at once because I am a victim of identity theft theft.
Consumer complaint received 2018-01-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MO)

Between XX/XX/XXXX and XX/XX/XXXX, I received a calls from XXXX XXXX XXXX concerning a Medical bill. I asked them to mail me detailed outline of services rendered along with the bill and I will promptly sent them a check for the total amount. All they sent was the bill. 
On Friday XX/XX/XXXX at XXXX XXXX central time, I received a call from XXXX ( employee number XXXX ) with XXXX XXXX XXXX concerning the same matter. Once again, I asked them to send me a detailed statement of services rendered along with a bill and I will send check for full payment. She stated they sent the bill in the past. I told her I got the bill but not the detailed statement. 
She continued her attempt to make me pay by credit card or to give her my bank info for an electronic check. I stated I was not giving my personal info over the phone and that I would promptly mail a check for full payment once I received the detailed statement and the bill. She continued to harass me and threatened to report as bad credit if didn't pay with her. I Firmly asked XXXX if they are willing to take my check. She stated they ONLY take credit/debit cards and electronic check. I asked to speak with her manager and she put on hold and ultimately hung up.
Consumer complaint received 2015-06-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL (PA)

I have repeatedly asked Synchrony bank to no longer contact me directly since the account is being handled by XXXX and all communication should go through them. I am still receiving XXXX calls a day from them and now they are calling my parents house where I have not lived in over 15 years. I do n't even know how they got their number