davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
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: CITIZENS FINANCIAL GROUP, INC. (AZ)

On XX/XX/2021 I received an email from Citizens One Personal Loans congratulating me on my purchase of XXXX XXXX XXXX The email provided me with a line of credit account number. I called to immediately notify the company this was a fraudulent attempt and after providing my personal information, the representative stated there was a piece of information I provided that did not match the application. She stated she would send the complaint to the credit agency to file as fraudulent. According to Citizens Bank, the line of credit approved was for {$1600.00}. I do not own an XXXX or even own a television. I do not have any friends, family members, or even a spouse that owns an XXXX 

I took action freezing all of my credit reports and filed a report with XXXX to dispute the inquiry. XXXX denied the dispute. Upon calling XXXX, I asked why it was not approved and could not get a clear answer because of a language barrier. I did instruct the rep to mail my denial to me for review ( they are not able to email and the PDF on their website would not open ). I disputed the inquiry on XX/XX/2021, here is the confirmation number of the dispute : XXXX, and again disputed it a second time with confirmation number : XXXX. I am filing this because I do not know what further actions to take.
Consumer complaint received 2022-05-24
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. (MD)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NY)

I have filed a FTC report and the company Ability Recovery Services responded asking for a police report. Why is that necessary when I have proved that the Date of Birth on the enrollment form does not match my Date of Birth and the signature was forged! How is this even legal to continue attempting to collect a debt that is not mine and has been proven not to be mine..
Consumer complaint received 2020-09-15
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. (OH)

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 from 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 have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-07
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 — 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 XXXX  DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KS)

The company in question ( XXXX  XXXX  ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

I keep getting the run around about the reason a mobile check deposit wasnt cleared in my chase account. On XX/XX/XXXX I deposited the check from XXXX XXXX. On XX/XX/XXXX I was informed that the check is being placed on a 7 day hold because Ive never cashed a check with them. With in this time I called to keeps tabs on what was going on. I spoke to 10 fraud team members within this time. I was told one day the reason the check is on hold is because XXXX XXXX deemed it fraudulent.So then Chase ( my bank ) restricted my account. They told me to call the issuer. I did they said their wasnt an issue on their end. Then I was told wait till the XXXX the hold should be lifted & now its the XXXX. Im being told the company that wrote my checks has a history of bad checks. They never told me this. This doesnt line up to anything theyve been saying. One fraud specialist even told me the name of the payee was spelled incorrectly. 
Which is not true. Its spelled exactly right. I have gotten a different answer from about 10 people. Even today they still said they havent completely finish verifying the check and its literally day 7. Of it being on hold. So theres still a possibility. This is extremely confusing. I should not be punished for this. I was told the funds and account have been verified. This team is all over the place and Im very disappointed. No one is in agreeable. Its affecting me extremely.
Consumer complaint received 2021-05-15
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. (OH)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? XXXX XXXX XXXX XXXX, XXXX COLLECTION SERV XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2020-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I have made 2 payments, XX/XX/XXXX {$500.00} and XX/XX/XXXX {$100.00}, to Comenity and neither have shown up on my transactions. They have shut down their customer service via phone and I have also attempted to contact them via secure message center, once on XX/XX/XXXX, no response and I tried again on XX/XX/XXXX got a response of someone stating that they have not received the payments. I have attempted to call numerous times over the last week and a half with no answer from a human.
Consumer complaint received 2021-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Higher Level Processing (TX)

Ive been with the the company higher level processing for at least 7 years. I was told when I enrolled that my loan withdrew be forgiven after 5 years in a title 1 school. And yet Im still paying. They constantly change the story and plan even when I dont authorize it. Ive tried to ask to talk to a supervisor and never get to.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (NY)

We have made two complaint with CFPB re : KeyBank HELOC. Please refer to past CFPB complaint # XXXX & # XXXX. Our HELOC was sent to foreclosure after KeyBank lost our check several times. We thought the issue was resolved, but apparently it is not! We have recently applied to refinance our home through XXXX XXXX, but have been stopped from proceeding due to this " foreclosure '' that is a appearing on our credit. There should be NO foreclosure on our credit. Again, KeyBank lost our check & during that time of the " misplaced check '' KeyBank sent our HELOC to foreclosure. We were told that all delinquent/derogatory reports to credit reporting agencies would be removed, but this is not the case. I need KeyBank to remove the foreclosure status from our credit report so we can move forward with our refinance.
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANDY SPRING BANCORP, INC. (VA)

I was directly contacted via phone to open an account and to visit a local branch office in XXXX located in XXXX XXXX in XXXX, va. When the account representative said that I will only stop by to sign the paperwork, however when I went the branch manager refused to open the account for me stating that I was in the XXXX XXXX when the rep on the phone said that I am not since all my accounts are paid off.
Consumer complaint received 2020-09-15
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. (GA)

Old deleted identity theft account that was on my previous credit report, has reappeared as a new collection. This is illegal as the stated account is not mine, and it should not be sold to a new lender as new debt.
Consumer complaint received 2020-09-15
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. (NV)

On XX/XX/2020 XXXX XXXX confirmed removal of an inaccurate bankruptcy from my XXXX XXXX report. On XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 Experian stated in dispute results that XXXX XXXX verified the accuracy of the bankruptcy. Additionally, on XX/XX/2020 in CFPB complaint # XXXX and on XX/XX/2020 in CFPB complaint # XXXX, Experian stated the inaccurate bankruptcy was confirmed by date furnisher, XXXX XXXX. Lastly, on XX/XX/2020 Experian responded to a XXXX XXXX XXXX complaint stating the bankruptcy was confirmed by data furnisher XXXX XXXX. In the XXXX XXXX report dated XX/XX/2020, an inaccurate bankruptcy is not being reported by XXXX XXXX. Why has Experian consistently stated the inaccurate bankruptcy is being verified by XXXX XXXX, when in fact it is not?
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX - account number : XXXX Reporting XX/XX/2019 - all reports reporting 30 days late. this account was never late and they are refusing to provide proof or remove the account information
Consumer complaint received 2020-09-15
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. (FL)

To Whom it may concerns, please remove those charges from my credit reports. They are fraudulent accounts and I did not give permission to any of these people to apply any charges on my accounts. This is very stressful the fact that I constantly have to worry about people using my name wrongly. 

Thank you.
Consumer complaint received 2022-07-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XX/XX/2022 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 2020-09-15
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: Navient Solutions, LLC. (FL)

I was enrolled XXXX XXXX in school from XX/XX/XXXX to XX/XX/XXXX. Navient- Federal Student Loans reported a missed payment on my credit account, 90 days past due reflecting on XX/XX/XXXX. Since I was in deferment at this time, I sent in all documents to Navient and they approved my deferment request for the dates aforementioned. I submitted proof of deferment to all three credit bureaus maybe six times already and they have not resolved my issue despite documentation provided to warrant my requests. I have also reached out to Navient to have them report the correct information but they too have failed to do so. 

I feel violated that my information is not being accurately reported and I have endured rejection of many essential personal business requests due to this. This has taken a drastic toll on my life and I am seeking help from your agency to have it corrected as well as have the companies involved penalized in some ways for their abuse and neglect.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (IL)

National Credit Systems is reporting an inaccurate debt. Account number XXXX for {$4000.00} has been updated to my XXXX  credit report and is being reported as a collection on XX/XX/2016. The company has failed to provide me a valid copy of any agreement to this debt after several attempts. I dont own this debt and have not received any valid agreements showing my signature.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (OH)

I am contacting you about credit bureaus doing disputes and calling company and saying dispute has been dealt with no investigation has been done except calling the company who has put incorrect information on your credit report. The credit bureaus are not investigating disputes. They just take the word of the company giving the information. any one can claim to be a company and put false information on your report. with all the identity theft going on people can put false information on your credit report without justification. Then it gets disputed and the bureau calls the person puting the information on the report and say it has been investigated. it the mean time your credits being improperly reported. you only remedy is hire and attorney yes your credit is ruin and you can not afford an attorney. Now what happens i have been complaining and trying to solve problem with individual bureaus but they have no avenue to  file a complaint. they are not responsible for insuring the information submitted is correct. My credit has taken a hit due to federal government extended time to show me XXXX and pay me as such. Took one year for social security which was quick and two years for the postal service to pay you what you deserve and since it is the federal government they are not obligated to pay interest on  that money. I am still waiting on VA to pay my claim fromXX/XX/2016
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I went to macy 's and spent about XXXX $ worth of clothing the week before covid 19 was known. I have gone through XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX. I needed to return some of the items. I told macys that I can't pay the bill until I return the items b/c I dont ' know how much to pay. they told me ok. Then in middle of summer the credit people called me and I told them I would pay some of the balance if they stop harassing me and calling me 4 times a day as long as they give me time until my dr says ok to go to malls. finally dr said I can go and I went right away and returned XXXX dollars worth of merchandise. macys refuses to take off 2 late fees and all the interest. I told them probably 30 times with 30 diff representatives that they are harrasing me and I will pay everything I owe but will not pay any interest or late fees b/c it was not in my control. offered to get them a dr note. they would keep me on the  phone for an hour and at the end say there is nothing they can do. will not take off. finally today I called myself so I can try to fix this finally and spoke to a manager by the name of XXXX XXXX. He was extremely obnoxious and yelling at me to let him talk. I was shocked. he again said he will not take off the late fees.Macys is harassing me and trying to steal from me. it is not honest and I feel they are being XXXX. it doesn't have to be a religion. they are taking advantage of me b/c of my XXXX XXXX XXXX. I want to call my lawyer but dont ' have the money now due to my business being pushed down b/c of covid. I would live to report MACYS CREDIT CARD for HARRASMENT AND TAKING ADVANTAGE OF ME and LYING TO ME. How do I proceed with this?