davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX I used the Citizen 's Bank app to transfer {$1000.00} to my fiance in order to pay our monthly bills. Citizen 's Bank uses XXXX for this which is built into the app. When I tried to transfer the funds, I was told that the transaction failed and the money was not removed from my account. My fiance also received a notification saying that the transaction failed. I then transferred the money to my fiance through XXXX instead. 
However, the next day on XX/XX/XXXX the {$1000.00} was taken from my account by XXXX without ever informing me that it had done so or even asking for my permission to do so resulting in my account being overdrafted. In addition, despite the {$1000.00} being taken out it was never even sent to my fiance and so the {$1000.00} was simply gone. I immediately contacted Citizen 's Bank and filed a claim. It took over a week to get the {$1000.00} returned ( which was given to me on good faith from Citizen 's Bank, meaning that XXXX had not actually returned the money ). Despite the return of the {$1000.00}, this also caused {$250.00} in overdraft fees that have not been refunded despite it being caused by both Citizen 's Bank and XXXX. I've continually contacted both Citizen 's Bank and XXXX about this issue. XXXX has completely ignored me, telling me to talk to my bank to resolve the issue. Citizen 's Bank has continued to tell me they're looking into my claim ( which I was told would take 1-3 business days and was later told would take 7-10 business days ). It has now been 16 business days and I have not received the {$250.00} that was charged to my account due to their mistake and the only information I've received is that they are " looking into it '' despite it being long past the time I was told it would take to investigate the issue. The issue also has a very clear paper trail that I've well documented and so the investigation should not be taking this long.
Consumer complaint received 2022-06-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Collection : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (PA)

First Credit services located at XXXX XXXX XXXX XXXX New Jersey have been call and harassing me about a collection in the amount of {$110.00} that has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still 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 is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2020-11-26
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Since the month of XXXX we have suffered a GLOBAL PANDEMIC where all international trade was affected and the entire WORLD stopped. 

At the end of XXXX I suffered from XXXX, I was in XXXX XXXX with an XXXX XXXX for almost 5 months and I did not manage my Bank of America account or make use of it, which I have been a client since 2015, when I opened my account without SSN as a tourist and there was no objection to opening it. 

At the beginning of this month, already recovering, I tried to contact the bank and it was impossible since I am a XXXX citizen and due to the telephone blocks it was impossible, I turned to customer service through XXXX and they answered me AFTER 5 HOURS, they could call me to tell me that in Effectively they closed my account and the only way to open it was to go to an office in the USA, ( which I can not do since flights to the USA are limited ), or open an account online. 

I started trying to open my account online and it was impossible because to open it I need an SSN, now ... in their policies there is a contradiction, since I opened my account in 2015 without having an SSN and to open one online I need to she. 

I have lost work commissions in these months since I am dedicated to the XXXX XXXX XXXXXXXX XXXX, I have had a great contract and I lost it because I did not know where to send the money from my work commission, the treatment for the attention they gave me was very discriminatory and blunt, it can not be possible that the bank and its policies are contradictory, the damage that has caused me to lose a sales commission of approximately {>= $1,000,000} for not knowing where to send that money and the little reasoning for part of them has made me exhaust the resources to proceed to write to you, I am NOT an American citizen, I am XXXX  I have been in your country on several occasions but I am a consumer of an American banking product and I feel I have to seek protection from you already which is an injustice to me and who knows how many more people will do the same daily. 

I thank you for your kindness in reading me.
Consumer complaint received 2021-07-06
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: Webcollex, LLC (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I looked up my score on all three major credit bureaus and found that I only have 1 month of credit history when it should be since XXXX and it only shows since XXXX I have credit statements to back my claim.
Consumer complaint received 2020-11-26
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: Global Portfolio Recovery, LLC (NJ)

I have filed a dispute in regards to credit report and it has been well over 30 days in which I have yet to receive my investigation report results. Please see the attach of files of credit disputes submitted along with a demand for the agencies to comply after the 30 days expired.
Consumer complaint received 2022-12-14
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. (MI)

I'm writing this letter to delete and correct some personal information that is damaging my credit report and is NOT permissible by law, because it is not my information, and it SHOULD NOT be on my credit report. My current and only XXXX is XXXX XXXX XXXX, MI XXXX. My current and only telephone number is XXXX. I ask you this one and final time Please remove all of these incorrect and erroneous items that does not belong on my credit report, and that is not aforementioned above.
Consumer complaint received 2022-12-12
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Thought I was creating a general account to login to TransUnion. TransUnion requested a CC during identity Validation process. Became suspious as neither of the other two Credit Reporting agencies requested a CC for identification. Took some effort but found TU had charged me {$26.00} to for the account. 

Called TransUnion and their customer service rep was prepared for my issue. Rep immediately went into a discertation about how creating an account was consent for them to charge me for my credit report. I tried to explain how I had not requested Credit report and just wanted a refund. The rep cut me off everytime I tried to politely question or explain anything and kept telling me I had failed to read some instructions somewhere. Nowhere can I remember anywhere a statement that was openly presented that stated I was opening an account for paid services. the fact that I had not received any services yet did not matter ( THAT I KNOW OF, BUT MAYBE CREATED SOME FOR ME THAT I HAVE NO CURRENT KNOWLEDGE OF OR UNDERSTAND? ) Under TU Terms Agreement : Billing and Cancellation Memberships. We offer both free and paid subscription products. 


They had several account types listed as XXXX XXXX, XXXX etc.. and thought those where the charging accounts with no other basis for information as the basic account appeared to be the free.
Consumer complaint received 2021-03-25
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)

On the XXXX of XXXX, I sent them a letter to validate unknown and incorrect information on my credit report and have not given any feedback after 30 days. I sent another letter on the XXXX of XXXX complaining that I have not received anything and up to this date they still haven't responded to any of my disputes. Under the FCRA, they have to respond to my disputes within 60 days or they have to remove those items from my report.
Consumer complaint received 2023-04-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FIRST INTERSTATE BANCSYSTEM, INC. (OR)

On XX/XX/2020 Bankruptcy XXXX XXXX was dismissed with no proof of claims filed. 

On XX/XX/2020 XXXX XXXX, XXXX XXXX and inland capital funding claims ownership of my property. 

They claim to owned a quit claim deed that I never signed and was for XXXX. Rhe himw worth XXXX was claim to have been sold without me getting notice. This documented in Washington XXXX XXXX XXXX XXXX XXXX and XXXX. My home was stolen and attempts to get it back have been stonewalled. This is mortgage fraud and bankruptcy fraud and they still fight with me about the ownership.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Acccout # 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 a account without my written instructions
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NJ)

I am writing you today as an aggrieved man. My drivers license, social security card and other pertinent information was stolen from me. Several fraudulent accounts were opened in my name without my consent and or knowledge. If those contracts do not contain this wet ink signature ( XXXX XXXX ; XXXX All rights reserved without prejudice ) then they are fraudulent and unlawful.
Consumer complaint received 2023-07-21
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

since XX/XX/XXXX I lost my credit one credit card. I know it had a zero  balance. 
This card was closed with a XXXX balance and statement to prove i do not owe. XXXX  XXXX removed from my credit report, however LVNV  funding who they partnered with did not. originally both were trying to come after me for the same amount over {$570.00}. Which I did not owe. I have sent letters and email and proof on both ends that this is illegal and extorting since there was no amount owed. I have lost over 50 points on my credit because of this denial of a home. I refuse to pay this debt that I do not owe. I spoke w 7 XXXX  2 wees ago XX/XX/XXXX. Which they said they would remove after almost 3 years of fighting. they gave me the XXXX as remove. now XXXX it has not been removed and everytime I call they hang up on me and say they can't help me. I do not owe this amount and I have not charged anything on this card since i lost it in the mist of moving from XXXX to XXXX  that same week. I have tried to contact over 27 times each company and have not had any luck.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Moved out of my college apartment early due to military orders. I have pictures of the conversation between the then property XXXX and I saying that all charges posted were to date in the payment portal, in addition to a copy of the receipt showing that I paid. 9 months later, XXXX XXXX randomly notifies me of a Derogatory Mark being placed on my account and I see my XXXX XXXX go down XXXX points for something I had no knowledge of due to poor communication from the apartment complex. After attempting to reason with the collection agency and work with the apartment complex, along with showing proof of my claims, nothing has been done. Also, after more communication with the apartment complex, its been discovered that they were reporting a false amount.
Consumer complaint received 2021-01-20
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. (DC)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent.

2. I have never opened this account.

3. I have never given given permission for someone to use my information to open this account.

4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have previously disputed the accuracy of the information for the two closed at my request and paid in full, XXXX XXXX XXXX accounts, with all CRAs ( Experian, XXXX, XXXX ) and XXXX, however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

Account number # XXXX Account number # XXXX The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Credit Limit Last reported Date last active Date of last payment Late payments reporters in the months of XXXX and XXXX of 2020.
Consumer complaint received 2024-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

There are at least XXXX fraud on my credit and a lot of charge offs that are still reflecting on my credit score and brings it down or never let it go up and I want it removed I have paid several creditors to help with this and and its still on my credit I would like them removed.
Consumer complaint received 2024-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (IN)

So recently I had a problem with a transaction on my checking account with MONEYLION ( roar money banking ) so I took it upon myself to call and tell them my concerns with the transaction. So we put in a dispute for the transaction. Supposedly, they denied my dispute for no obvious reason because I asked MONEYLION for the documents of evidence on why the dispute was declined. But it was never given. I know I never received my {$480.00} from the Transaction but they think otherwise with no Evidence. On top of that MONEYLION TOOK {$480.00} from my account FOR NO REASON AT ALL I NEVER EVEN WON THE DISPUTE CASE SO WHY TAKE {$480.00} FROM MY ACCOUNT. The same day my dispute was declined they removed {$480.00} out my account. remind you I was never given a Provisionary credit for them to even take {$480.00} from my account they took my money NOT A provisionary credit. And I have proof in screenshots
Consumer complaint received 2022-04-12
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. (AL)

An account named " XXXX '' has shown on my credit since XX/XX/2020 stating that I am an " authorized user '' on the account. However, I am not an authorized user on any such account and I never have been. I believe my information has been added to this account either in error or by intentional fraud. I've disputed this with the creditor as well as the credit bureau. The creditor is unable to provide me any assistance on the account, since I'm unable to provide an account number or any verifying information. And the credit bureaus continues to verify the account as " accurate '' even though it absolutely is not.