davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CT)

XXXX XXXX XXXX double billed {$1600.00} for a medical procedure provided to XXXX XXXX ( my wife ) .The double payment was posted to Citicard on XX/XX/. I disputed the extra charge on our Citicard account ( joint account for XXXX and XXXX XXXX ending with XXXX ). XXXX admitted to the error and refunded the extra payment to Citicard on XX/XX/XXXX. XXXX asked that I cancel the dispute to expedite the refund from their system. I communicated this to Citicard but they erroneously assumed I was accepting responsibility for the extra charge and reinstated the charge on our account. I provided evidence to Citicard that I do not owe the extra {$1600.00} charge to XXXX. However, the extra {$1600.00} charge remains on my account despite the fact that XXXX shows a single {$1600.00} payment accepted from Citicard and I am paid in full on my XXXX account with the single payment. That means that there is an extra {$1600.00} payment on our Citicard account that has not been sent to XXXX and has not been refunded to our account. Citicard has ignored multiple email messages from me asking for resolution to the issue. Thus, there is still an extra {$1600.00} payment on our account that is not owed to XXXX and has not been refunded to us. Citicard 's unresponsiveness to this issue has left us no choice but to file this complaint.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc. (WI)

This company is reporting an account that is not mine. They have failed to proof that their is a legal binding or contractual obligation to pay this debt. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from THIRD PARTIES. I do not recall giving permission to Alliance Collection, for them to release my medical information to a third party, I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore I demand that you cease and desist your illegal reporting of this account and have it deleted from my report as soon as possible. 

Here are the laws violated : 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless theattorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
Consumer complaint received 2021-09-02
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. XXXX. XXXX Dear Sir or Madam : As of XXXX whats reported on Experians Report still displays a fraudulent account on my report. Its not on XXXX  or XXXX. I am writing to dispute the following information in my credit report file. I have attached several documents to show the fraudulent alleged accounts claimed that I owe. This account DO NOT EXISTS ON XXXX  NOR XXXX. 
The items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX account number XXXX with a balance of {$570.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have been looking for a job opportunity as I have been unemployed. On XX/XX/2022, I received an email from XXXX of a job opportunity that looked promising. The position looked legitimate from the job description ; I applied on the same day. On XX/XX/2022, I received an invitation for an interview with a XXXX hiring manager and I conducted that interview remotely the same day. I asked for time to review the job offer and ask questions, to which the hiring manager obliged. 

I received the job offer by email on XX/XX/2022 and was able to ask questions via email. They answered appropriately. I thought that I found a good XXXX XXXX position ; but, looking back on it, the job was too good to be true. Between XX/XX/2022 and XX/XX/2022, I was given checks from XXXX ( 1 deposited physically and 4 to mobile deposit into my checking account at Citizens Bank, of whom I have been a loyal customer for over 20 years ) ; and, I was instructed by CardConnect hiring department employees to use these checks for payments toward a work laptop, software, and office set-up. Five of these payments were instructed to be done via XXXX for a total of {$5000.00} sent via XXXX : on XX/XX/2022, {$1000.00} was instructed to be sent ( image attached is associated with this transaction ) ; XX/XX/2022, {$1000.00} was instructed to be sent ; on XX/XX/2022, {$1000.00} was instructed to be sent ; on XX/XX/2022, {$1000.00} was instructed to be sent ; on XX/XX/2022, {$1000.00} was instructed to be sent. 

Unfortunately, on XX/XX/2022, I recognized that my bank gradually returned the deposited XXXX checks. So, effectively, my own funds were used. On XX/XX/2022 and XX/XX/2022, I tried to ask XXXX to reimburse me, but they gave me the run around and not paid me back. Following my late realization, on XX/XX/2022, I filed a report with my local police precinct and submitted a claim about these XXXX transactions with Citizens Bank. My local police precinct deems this entire situation as fraud and is investigating as such ; Citizens Bank should do the same. I also filed a report with the Federal Trade Commission.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (FL)

Hey I went to the car dealership and was trying to apply for a car. They said they was going to give me a soft inquiry on my credit but when I checked there was a lot of hard inquiries. The names are XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-09-02
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$220.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$74.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XXXX  XXXX, XXXX
Consumer complaint received 2022-08-23
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights on XX/XX/XXXX 

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 consent.
Consumer complaint received 2022-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report through XXXX XXXX 's software in the beginning of XXXX, 2022. And noticed inconsistencies with the reporting of my account with XXXX XXXX XXXX XXXX. The problem was that all three credit bureau 's were reporting different late payments. 
So I sent out the 1st letter on XXXX XXXX by certified mail. 
Certified mail receipt # XXXX XXXX XXXX XXXX XXXX TransUnion XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX Demanding that all three credit bureau 's remove the late payment due to all three credit bureau 's being in violation for not displaying 100 % accurate information on my report. I then also included a copy showing the account ( XXXX XXXX XXXX XXXX ) from XXXX XXXX displaying that in fact all three credit bureau 's are displaying inaccurate information. 
I received my credit report from all there credit bureau 's 30 days later informing me that they verified the information and that it was accurate. 
I then conducted some more research through the credit consumer laws and was able to gather some violations that the credit bureau 's are committing against me at this time such as ( Pursuant 15 USC 1681a 2 ( A ) ( i ) & FCRA 15USC 1681a 2Ai ) I then sent out a second letter on XXXX, XXXX 2022 by certified mail XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX demanding once again for all three credit bureau 's to remove the incorrect information from my report and that all three companies are in clear violation of the laws. I made sure once again to send a copy from XXXX XXXX software to show that all there companies that are still displaying incorrect information and that they are clearly violation my rights. 
30 days later I received my credit report from all three credit bureaus stating that they have investigated the matter and that they have the correct information. Once again my question is how? Since all three credit bureau 's are reporting all different information. Ive been dealing with this back and forth for months now and it is ridiculous how these companies are able to get away with violation our rights, identity theft and fraud. 
If this matter is not resolved in a timely matter, I will contact my Attorney General XXXX XXXX, Congresswoman XXXX XXXX. 
I greatly appreciate the help
Consumer complaint received 2021-09-02
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. (CA)

I recently found out that my information was stolen. Someone has used my identity and opened these accounts. XXXX XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX XXXX {$15000.00}. I have filed an ftc report and spoke with the creditors about these matters and they have refuse to remove them. I did not open these accounts and I have never used these accounts.
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi, these companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2021-09-02
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. (VA)

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way you were able to verify this! I'm invoking my rights as a consumer under Federal Law and they are choosing to blatantly just ignore me. That's why I am filing this complaint
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MI)

I applied for credit from discover in XXXX. I initiated the credit sale, they ran my credit and we then entered a consumer credit transaction but they sent me a message saying I was denied which violates Truth in Lending 15 USC 1605 ( p ). Since they denied me my credit, it is now an unauthorized use of my credit card ( social security card ) and that is a felony. I emailed them a notarized affidavit, along with my proof.
Consumer complaint received 2022-08-22
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. (GA)

I am a natural person, I am a human being, I have rights under 15 USC 1681Equifax is govern by 15 USC 168, and they violated my rights numerous of time. I demand the accounts listed below be removed because, according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number xxxxxx XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX
Consumer complaint received 2022-08-23
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. (CA)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to address the negligence, incompetence, and indifference of the Credit Reporting Agencies. I have been disputing my Credit Report for over a year now and the accounts I have been disputing were the results of my identity being stolen. Under the FCRA section 605b, the Credit reporting Agences are required to remove any account and information not later than 4 business days after the day of receipt of the disapute letter. I started sending dispute letters addressed to the Credit Bureaus on XX/XX/XXXX and the last letter I sent was dated XX/XX/XXXX, all letter having the complete attachments of my personal identifying documents and ID THEFT REPORT I received from the FTC. But despite all these, the Credit Bureaus have failed to comply with the request and have been negligent of the FCRA statute. The Credit Bureaus have kept reporting the disputed items without sending me copies of documents bearing my signature to prove their claims that the disputed items belong under my name. This action made by the Credit Bureaus is a clear violation of the FCRA section 605b, a federal law, which is punishable by law. I am submitting this CFPB complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report, if the Credit Bureaus chose not to comply with the request, it leaves me no choice but to initiate legal action : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2021-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TN)

I have been in repayment since XX/XX/XXXX for 2 of my federal loans and since XX/XX/XXXX for another 2 of my federal loans. This is confirmed by NSLDS database. I have never re-consolidated my loans since then as I have been pursuing PSLF. I have been in an XXXX XXXX ( XXXX ) XXXX since XX/XX/XXXX until present. The loans were initially serviced by XXXX and once the federal government contracted with Fedloans then it was automatically transferred to them. Appropriate Employment Certification Form ( ECF ) have already been uploaded on Fedloan 's website for months. 

I have always had my loan payments on autopay and never requested to be in forbearance. 

Multiple payments that should have counted towards my PSLF have been marked ineligible incorrectly. I spoke to Fedloans and they agreed. However, told me it would take " several months '' to have this reviewed and corrected. As Fedloans will no longer be the loan servicer in XXXX, I would like to resolve this and have an expedited review of my eligible payments. 

Below are the payment dates that are incorrectly deemed ineligible : Loans Period Due Date Amount Due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please let me know what documents, if any, is required for your review.