davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I am writing to file a complaint regarding an issue with a transfer between my accounts at Citizens Bank and XXXX XXXX, which remains unresolved despite numerous attempts to fix the problem. 

On XX/XX/XXXX, I opened a new account at Citizens Bank and initiated a {$5000.00} transfer from my XXXX account ( transfer # XXXX ). The funds left my XXXX account on XX/XX/XXXX. Subsequently, I initiated a second {$5000.00} transfer on XX/XX/XXXX ( transfer # XXXX ), which was stopped for security reasons. Because of this, I received an email from Citizens stating that the first {$5000.00} transfer also did not complete, even though the funds had already left my XXXX account. 

To meet my total transfer requirement of {$15000.00}, I initiated a {$10000.00} transfer on XX/XX/XXXX and another {$5000.00} transfer on XX/XX/XXXX, via the XXXX website, both of which were successful. However, the initial {$5000.00} remains unaccounted for. Despite multiple follow-ups with both banks, the {$5000.00} has not been returned to my XXXX account or credited to my Citizens account. 

I have made XXXX separate calls to both institutions, totaling over 2 hours and 35 minutes on the phone, without resolution. It has been over 30 days since the initial transfer attempt, which exceeds the 20-day period specified in Regulation E for resolving such issues. While I appreciate the overall customer service at XXXX, they have been unable to resolve the issue due to limitations in their authority, and their research team has failed to contact me. Meanwhile, Citizens Bank has not provided adequate support or resolution, and has even stated that they are simply unable to find a trace ID for the transfer. 

Thank you for your attention to this matter.
Consumer complaint received 2022-07-30
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. (MI)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report.If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the lawXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

We were placed in covid hardship program which we do not want. This is affecting our ability to get other loans. We have called the bank a dozen times to have them take us out of the program and the representatives keep telling us its a great program and we should be in it. They will not let us out and will not update our account and credit report. We call in each day and each time they tell us nothing has changed we are still in hardship and that we should be in it.
Consumer complaint received 2022-07-30
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. (FL)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please DELETE these unknown items from my file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX XXXX {$3200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX  XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}
Consumer complaint received 2022-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (NC)

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ALL THESE ACCOUNTS HAVE BEEN ON MY CREDIT REPORT SINCE XX/XX/2009. 
PLEASE DELETE AND REMOVE XXXX XXXXXXXX XXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF EDXXXX # XXXX XXXX DEPT OF ED/XXXX # XXXX
Consumer complaint received 2022-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Listed Below you will find items reported on my TransUnion Credit report that 1. Do not belong to me, 2. I have no knowledge of this account, 3. Written instructions were not give in in accordance to 15 U.S. Code 1681b ( 2 ). 

- XXXX XXXX XXXX {$700.00} - XXXX XXXX XXXX {$960.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX  {$1100.00} - XXXX XXXXXXXX Bankruptcy : Bankruptcy # XXXX - XXXX XXXX Bankruptcy : Bankruptcy # XXXX
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to lack of response of CREDIT BUREAUS, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them XXXX more chance to correct their errors and update my records. Please update the account, SELF/LEAD BANK XXXX Balance {$0.00} which XXXX, XXXX and TRANSUNION have failed to provide proper verification and another bureau has found to be inaccurate. You have XXXX days to CORRECT the account listed.
Consumer complaint received 2023-03-15
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. (VA)

I'VE CONTACTED THE COMPANY TO CONFIRM THAT THIS ACCOUNT DOES NOT BELONG TO ME I WAS ASKED QUESTIONS TO CONFIRM MY SOCIAL SECURITY NUMBER AND THE ONE THEY HAD DOES NOT BELONG TO ME. THIS IS A VALILATION OF MY CONSUMER RITES AND NEED TO BE REMOVED FROM MY CREDIT FILE. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE ACCOUNT LISTED BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER15 USC 1681.1. NOT ONLY DO THEY NOT HAVE THE CORRECT SOCIAL THEY HAVE REPORTED THIS TO THE CREDIT REPORT 15USC 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 REASONABLE CAUSE TOBELIEVE THAT THE INFORMATIONIS INACCURATE XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) DATE : XX/XX/2023 XXXX
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

I have to withdraw money from my XXXX using XXXX XXXX  They send me a check I deposit this check # XXXX $ XXXXand a second check # XXXX total {$83.00} on XXXX XX/XX/2023 the check was cleared on XXXX XXXX deposited to my account routing # XXXX checking # XXXX I went to used my debit car to put gas was declined I call chase bank from J P Morgan ( chase ) they tell me they put both checks on Hold I went to the chase bank in XXXX XXXX I spoke to XXXX XXXX he call someone else they say they put a hold and restrictions on my account and I have to wait until Wednesday XXXX XX/XX/2023 today I check the account I have a positive balance I went back to get groceries and gas, again declined I went to bank again I have to wait 2 hours because XXXX the banker was assistant another client I call customer service they start asking me questions about where I work before then she says they cant removed the restrictions on my account. XXXX tell me the other lady on the phone want to speak with me then she keep saying the same I have to wait another 10 days I show the banker the two emails they send me saying the hold on my account was removed but they keep saying I have to wait XXXX more days I get upset I ask why? I need my money this lady then tell me Chase bank will issue a check and send it to my home address I ask why? Your customer service say you dint have my money because XXXX has not funds now you are saying chase bank will send me a check for Botha check I deposit in 10 days? I dunno what is happen Im having XXXX on XX/XX/XXXX this was the reason why I have to used my retirement money to pay my copayments I need my money.
Consumer complaint received 2022-07-30
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. (MO)

This is my 3rd complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I never received anything in return due to idenetity theft therfore the Credit Bureaus are required to remove disputed items completely from my Credit file : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Direct Recovery Services, LLC (NY)

I had an account with XXXX I paid this account off. I have called and they said I dont owe anything. Now Direct Recovery Services is calling saying I owe them money. They bout my debt. I dont have any. 


They are very rude and saying they are going to take me to court and sue me
Consumer complaint received 2020-05-29
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: DISCOVER BANK (NY)

XXXX XXXX - not authorize charges XX/XX/2018 Discover FINCL- not my account ( made a police report about identity theft in NY XXXX so far didnt get any resolvement ) i went to my friends wedding in XX/XX/2018 in XXXX. when i went out with my friends i got an alert in my phone that my card was charged and it sounded like fraud. i contacted the credit card company and called them right way and they said they will dispute the charges and send me a new card by the time i get back to NY. i went back to my hotel and found out that my bag was stolen from my room. i called hotel security but they didn't take any serious action. they didn't even speak English. i lost my jewelry, camera, laptop and more valuables in a different country. was heart broken and came back to NY, and after 3  months i saw the Credit card company put the charges back, and i asked them for the necessary documents of those Unauthorized charges, and didn't get any feedback. i am not in a position to pay for something that i didnt Authorize. the interest are adding up and in 2 years this is hurting my credit. i have always paid my bills on time. and paid off everything and always had a great credit score and reputation. and now my reputation is ruined. i cant start a business nor buy a home, for something that i didnt do. please help me. please ... 
best regards XXXX XXXX XXXX
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Dear CFPB, My Name : XXXX XXXX XXXX I'm From : XXXX XXXX My email account Coinbase : XXXX My balance : XXXX ETH My account temporarily disabled since XX/XX/XXXX. I have been waiting for more than 2 year. 

I have been submitting support for the past 2 year but still have not received a response from Coinase. 

I trust coinbase wallet service and all my assets were deposited into the Coinbase wallet however it was locked even though I have shown many evidences that I have not violated your policies. Since I only used wallet storage eth. 

The year XXXX has been a year of the Covid pandemic and my account still be locked, it is making me stand on the brink of being unable to pay for the living expenses and care for my family. 

I hope the support team will help me out of it soon so that I can take care of my family. 

Please help me send my balance to the external wallet address. 

Thank you very much
Consumer complaint received 2020-05-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-04-09
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: EQUIFAX, INC. (FL)

Equifax ; XXXX and XXXX are reporting incorrectly that I am past due on XXXX XXXX   partial account number XXXX. This account is coded as an R5 and it needs to be coded as an R1. (  Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (AZ)

XX/XX/2021, I XXXX XXXX ordered a copy of my LexisNexis Consumer Disclosure File to see what was reporting on my file. 
When reading my Consumer Disclosure File from LexisNexis dated on XX/XX/2021, I noticed an item in the business association named XXXX XXXX  which is associated with a person named XXXX XXXX. I have disputed this item at least twice and twice LexisNexis has violated the Fair Credit Reporting Act by re-inserting this item without notifying me within 5 days of reinserting the item. 
This has stop immediately or ill be forced to take legal action due to the re-insertion of this item back on my LexisNexis Consumer File.
Consumer complaint received 2021-04-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment on it. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong information.
Consumer complaint received 2019-05-17
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX In the amount of XXXX is not my account and needs to be removed the credit bureau is not protecting my report from fraudulent accounts. 
Is Being put on my credit report and this is not my account. I requested for this item to be removed by the credit bureau and they have not done so I contacted the company the credit agency And asked for signed contracts or dL or anything that shows this is a true account of mine. The collection agency sent an unsigned contact that was made up and bogus to try to get money from me. This is not my account and the credit bureau has not removed off my report. I am sending over the bogus fake fraudulent contact that the collection agency sent me. This again is no account of mine
Consumer complaint received 2019-04-10
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. (OK)

My complaint is the way all three credit reporting companies ( XXXX, Transunion and XXXX ) use  selective data to determine an individual 's credit worthiness. My credit score was over XXXX just 3 months ago and now it is XXXX with Transunion and XXXX with XXXX.The reason it fell so drasticly is because we bought some furniture and decided to take advantage of an offer for a credit card that had 0 % interest for six months. In addition, applying for this card lowered our total purchase price on all the furniture by over {$500.00}. The card company established a " credit limit '' on the card for exactly the amount of furniture we bought which meant that when the credit reporting companies got the information, the " furniture company '' credit card was " maxed out '' at 100 % of available credit. This in turn made our total credit usage on two cards at 50 %. What the credit reporting agenciies don't look at are the consumers bank accounts ( we have about {$750000.00} in three separate savings accounts ) mortgage free property ( we own two homes debt free that are worth {$500000.00} ) and money ( {$300000.00} ) in a money market account with a stock brokerage firm. I have NEVER been delinquent on a payment. I pay my credit card ( other than the furniture card ) balance in full monthly. The credit reporting companies say the " age of my credit '' is one year. I am XXXX years old and have had stellar credit my entire life with many accounts over the years that were paid in full and then closed. 
My credit score is very important to me and I just need to have someone explain to me how I am now only a " fair '' credit risk. It seems to me the credit companies should expand their information base about an individual in my circumstances to take all the above factors into account. 
Please let me know what my options are. 
Thank you, XXXX XXXX