davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Background : I have a checking account and Line of Credit that is in repayment with Citizens Bank. My company also has accounts with Citizens. Every month since the LOC went into repayment my company cuts a check for at least {$700.00} which more than covers the amount due every month. 
On XX/XX/XXXX I mailed the {$700.00} payment as I normally do every month. On XX/XX/XXXX I received a statement from Citizens indicating that my payment was over due. I went online immediately and transferred {$600.00} and {$10.00} from my personal checking to cover the overdue amount. 
On XX/XX/XXXX I sent in another {$700.00} for the XXXX payment. On Saturday, XX/XX/XXXX I received a certified letter which said that they were going to start foreclosure proceedings. On Monday, I called the help line and after 3 hours was told that the payments never posted and that I had to prove that they were paid. All of the accounts are Citizens accounts. I was told that they could see the payments coming out of the account ( XXXX  ) that the checks were cut from but couldn't see where they were posted to the account. 
So as of today, XX/XX/XXXX, despite several calls and a visit to the local branch, Citizens has received over {$2000.00} ( two checks, one online transfer ) and not one dollar has been credited to my LOC! I also can't find out where the online transfer went. Although it shows it debited from my checking account, it doesn't show that it was posted to the LOC. 
I suffer from XXXX XXXX and XXXX and have been extremely stressed out and can't sleep because the whole thing is Citizens fault and no one will help me straighten it out. All I get is a run around.
Consumer complaint received 2022-06-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And i am sure its because, none of yous want to do your job. dates are when i filed reports. i discovered i was a victim of identity theft. My bank was compromised, several accounts and inquiries. showed up on my credit reports. i immediately placed fraud alert on all reports. i continued to check reports and learned that the fraud alert was not in place. and all my disputes kept being ignored, while new inquiries kept coming in. this has been going on even to current day. 
i have done hundreds of disputes and placing fraud alerts, with the credit agencies and with Consumer Financial Protection agency. ( you guys ) and not one thing has changed. 
i am stating that the Credit agencies and CFPB has refused to do their job. wrong personal information, the inquiries is outrageous. i know for fact that no one is doing their job with everything ive been through.
Consumer complaint received 2018-12-15
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. (FL)

Dear Credit Reporting Agency, Please provide evidence that XXXX XXXX XXXX account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
Consumer complaint received 2022-06-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2018-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (AZ)

Today, XX/XX/2018, I received a notice from XXXX  about a new collections account being posted. 

There were two collections accounts posted on XX/XX/2018. I have received no written or phone notifications from the debt collector that they held the debt, nor have I received any information regarding my rights to verify the debt. 

I have the actual debt from the creditor in my hand and it is a different amount than posted, also the dates do not match with the original, itemized bill. 

I HAVE been receiving calls from unknown numbers who either hang up or say nothing, I'm concerned this may be a scam or this company is intending to commit fraud against me. 

I have not taken any actions yet out of fear of retaliation from the debt collector.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

Debt paid in full to original account holder on XX/XX/21, conf # XXXX. Original account holder agreed to remove the debt from my credit report after the payment was made in full. I have filed several disputes and the agency is refusing to honor the account holders agreement of removal after payment.
Consumer complaint received 2022-07-20
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. (WI)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( XXXX Creditor : XXXX  XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported:XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date XXXX Reference # XXXX XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2022-02-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc. (CA)

I applied for, and received, a 24-month loan of {$7000.00} from SoFi on XX/XX/2021 to pay for one-time moving expenses to start a new job in a different city. I remain a customer and have continued to pay back the loan on the prescribed monthly schedule. 

The loan website included a banner promotion that indicated I would receive {$350.00} cash bonus for signing a loan as a new customer of SoFi. Although I have received correspondence from SoFi confirming receipt of my monthly payments, I received no subsequent information about this bonus, via email, phone, mail, or otherwise. I did, at the time, take a screenshot of the banner promotion. I include in this complaint. 

Today, XXXX XX/XX/2021, I looked at my account for SoFi in order to check the interest payments and initiate a transfer to pay down more of my loan 's principal, and realized that I had not received the {$350.00} cash bonus. 

I subsequently spent a great deal of time talking to SoFi support : first, through their online support, who was unable to help me but referred me a number ; second, through a representative, who confirmed my eligibility for the cash bonus, but informed me that I had forfeited the eligibility because 30 days had passed and I had not opened a " SoFi money account. '' This is the first time I was informed of the need for a " SoFi money account '' as distinct from the personal loan account that I had already opened with SoFi. When I asked for a transcript of the conversation, I was instead referred to a manager ( email correspondence attached ). The manager told me verbally, " [ I/we ] apologize that you didn't get paid for the bonus as per the advertisement, '' but in subsequent email correspondence indicated that, because I did not open a " SoFi Money Account, '' I am ineligible for the payment.

This {$350.00} promotion was the primary reason that I chose SoFi in my selection of different lenders. I knew that the interest payments would be high, but that I would be able to pay off the loan sooner than the schedule indicated.
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (GA)

Sequium Asset Solutions , LLC has placed a collection account on my credit reports that I do not owe them. I have never done any type of business with this company nor have I ever heard of them. I've never received any services, merchandise, or any sum of money from this company. 

I received a collection letter from Sequium Asset dated XX/XX/2022. I sent them a letter on XX/XX/2022, asking for validation of the alleged debt showing that I legally owe them but I never received a response from the company. Instead, they place the frivolous debt that I do not owe them on my credit reports. 

Oddly enough I received a letter from a totally different company for this same frivolous debt and the account was previously placed on my credit reports but was deleted because I didn't owe them either! 

So as stated before I have never done business with Sequium Asset Solutions , LLC nor have I ever heard of this company. I've never spoken to a representative from the company. There is no contract containing my wet ink signature and the signature of Sequium Asset Solutions , LLC.
Consumer complaint received 2018-12-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

This company is reporting a negative debt entry on my credit report. I strongly believe that my credit profile may have been mistaken for someone else 's. I've requested an investigation of this debt or an immediate deletion of the entry if the creditor can not support their claim. I've never done business with a creditor by this name. According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, they are in violation of two different consumer credit rights.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debtsy Holdings, Inc. (MI)

This account was opened in XXXX and I was made aware of it in XXXX of XXXX when it went into charge off status. I have been going back and forth with this company, sending them police report documentation and they continue to say the account is valid. The address that the stools were sent to isnt even an address I resided at before. I never pursued it much because it didnt have much of an affect on my credit until XXXX of XXXX. All of a sudden the account changed to collection status and it dropped my score 40 points. Now the account is with debtsy, who I have contacted and sent my police report to, but I have been told there is nothing they can do and to contact XXXX. I have repeatedly told the company XXXX that I was not the one who purchased the barstools with my XXXX and main account. I have repeatedly sent them my police report and just a week or two ago I submitted an identity theft report via FTC recommended by Experian credit bureau. I have even offered to pay the amount if they will delete the account. XXXX has just recently sent me an email asking for me to return a filled out form, however, I have been going through the ringer with this company and just want the fraud account removed. I am attaching the communication from debtsy and XXXX. As you can see with debtsy I have attempted to have them investigate numerous times last year.
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Ive sent Identity Theft letters to all 3 Credit Bureaus for the following accounts that are fraud and were not in any way formed/created nor operated in good faith or in accordance to my Person I.e Theft Identity Fraud : Credit Bureaus 1.Transunion 2XXXX 3.XXXX CREDIT/FURNISHER 1. XXXX 2 . XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXI 5. XXXX XXXX 6. XXXX XXXX 7XXXX XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10 . XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14.XXXX 15 . XXXX 16. XXXX 17. XXXX 18. US SM BUS ADMIN XXXX 19. XXXX : 20. XXXX 21. XXXX 22. XXXX XXXX 23. XXXX XXXX XXXX 24. XXXX 25. XXXX XXXX 26. XXXX XXXX XXXX 27. XXXX XXXX XXXX XXXX 28. XXXXXXXX XXXX XXXX XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
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: Maximus Federal Services, Inc. (PA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-08-06
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. (FL)

In accordance with the Fair Credit Reporting act Account XXXX XXXX, 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 an account without my written instructions.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

Hello, This complaint is for Experian regarding the FRAUDULENT ACCOUNT XXXX XXXX XXXX Simple ( account number XXXX ) that has been placed on my credit report illegally. I have never done business with ( XXXX XXXX XXXX and this account must be removed because it is made my life extremely difficult. By being stuck with higher interest rates, fewer loan options, and also hindered my housing. I need it removed immediately. I have contact Experian 30 days ago to remove this account and Experian have no responded back to me about this matter that holding me back to prosper in my life that should not be there in the first place. Legally they are obligated to respond within 30 days and Experian have not done so. The XXXX account in question have been opened at the time I lost my wallet and many other forms of identification. This is Identity Theft. I would highly appreciate if CFPB assist in getting this fraudulent account removed so I can get back to my life as it were before the traumatic incident. 
Thanks
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have some personal information on my credit report which has been mixed up with my father who is now deceased. I called but didn't get help with this matter from the representative. Enclosed is a document that displays the proper spelling of my name and address. Any other spellings are incorrect.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XX/XX/XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud BANK XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2023-04-07
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. (OK)

Under the Fair Credit Reporting Act, it is crucial that consumer reporting agencies uphold fairness, impartiality, and respect for the consumer 's privacy. XXXX, Transition and XXXX are three such agencies, but as the consumer, I have the right to ensure that my private information is not shared. This right is supported by legislation that emphasizes financial institutions ' obligation to protect their customers ' nonpublic personal information.

As a financial institution, the furnisher of information to credit agencies is obliged to respect my privacy and can not divulge any nonpublic personal information without my written consent. XXXX, XXXX, and Transunion, the furnisher of information to credit agencies do not have my consent to share my information, and any prior consent is now revoked. 

Furthermore, according to the legislation, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise their nondisclosure option. The furnisher of information to credit agencies did not inform me of my right to refuse disclosure. 

The consumer reporting agencies, XXXX, Transunion and XXXX, are also violating the law by reporting adverse information without consent, as well as inaccurate information. They should have reasonable procedures in place to prevent such violations and limit the purposeful sharing of consumer reports. 

Therefore, in compliance with 12 CFR 1016.7, I am opting out of their reporting services.