davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On Friday, XX/XX/XXXX, I went in to a branch of Citizens Bank to start a checking and savings account. After setting up my accounts, the banker I was working with tried to get me to sign up for one of their credit cards, saying that I was pre-approved ( not pre-qualified ). I declined, citing the fact that I had just gotten one with another bank a few weeks ago, so even though there was an attractive promo going on, I didn't want to take another hit to my credit score at the moment. He immediately responded something along the lines of " Oh, well we don't check your credit actually. That's one of the cool things about our bank. '' and led me to believe that the credit concern I had wouldn't be an issue. I had thought that credit cards will always check a person 's credit, but figured maybe that's just what normally happens and isn't always a guarantee, possibly because I was already pre-approved. Regardless, I knew that bankers aren't allowed to mislead their customers, so since I had voiced my credit concerns and he had implied that I wouldn't need to worry, I figured I might as well get the card. Several hours later, I got a notification on my phone that my score had dipped XXXX points. I can't see from my credit-checking app ( I use XXXXXXXX XXXX XXXX what the specific reason for that point loss is, but I think it's pretty safe to say that the two are connected. I'm not sure if the banker flat out lied and a check was performed after all, or if he " technically '' didn't lie and there was no check but I lost points through some other measure. Regardless I still feel like I was taken advantage of, because while I try to educate myself on the credit system as best I can, he's the financial professional and I'm not, so it's upsetting for me to say I don't want their credit card because I don't want to lose points, and for him to respond in the deceptive way he did to try and get me to sign up.
Consumer complaint received 2023-12-11
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: EQUIFAX, INC. (GA)

I DO NOT RECOGNIZE THE NEXT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am seeking your help with the incorrect account that is listed on my credit report. This issue has severely impacted my reputation, and I need your assistance. Your mishandling of my credit report has put me in a difficult situation, and the false reporting has tarnished my reputation. These inaccuracies need to be removed immediately from my credit report.\
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been applying for loans and getting turned down. I realized on my Transunion credit report it is reporting that two of my creditors as Public records when in fact it was settled and was not sent to any court.

The two records are XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  They alos show XXXX XXXX department store and XXXX XXXX under Collections. 

XXXX is reporting 3 accounts under public record which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 

XXXX is reporting 4 accounts under public records which include XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 

None of these accounts went to court and it has made me be turned down for loans and also affected my interest rate on a car. 

I want the credit bureaus to be accountable for the information. How can they publish a court record when there was no court record.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I am a customer of 5/3 Bank since 2008. I have 3 checking accounts with them.

During all the years, 5/3 has consistently paid the largest amount and left smaller ones unpaid in order to charge " non-sufficient funds fees ''. Then, they started charging service fees in the account " with the lowest amount of funds '' again, to charge non-sufficient funds fees. I contacted them early XXXX  regarding fees going from {$11.00} to {$29.00}. They told me they charge fees on fees.. I said then that I would pay what I owed by the end of XXXX. We agreed that I would pay and that it would be it. But, since that day, I have received phone calls from their XXXX offices, as early as XXXX XXXX in the morning, telling me about the fees. In the beginning, I answered and told them that we had made an agreement. But, that did not change the MANY DAILY CALLS FOR OVER 3 WEEKS from early in the morning until late at night. It has been constant harassment, telling me time and time again about the charges made, but never checking the payment arrangement we had already agreed upon.
Consumer complaint received 2024-10-29
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. (PA)

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section XXXX of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA XXXX ( XXXX U.S.C. XXXX XXXX ) which states that these accounts must be removed within XXXX business days of receipt. XXXXXXXX XXXX XXXX XXXXXXXX XXXX  violated my consumer reports on XX/XX/year> without a permissible purpose as per XXXX U.S.C. XXXX ( XXXX ) or knowingly without a legitimate business reason pursuant XXXX XXXX. XXXX b ( a ) XXXX ( f )
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX *
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: REGIONS FINANCIAL CORPORATION (NC)

I'm considering paying off one of my 2 credit cards. However, I was extremely dismayed to discover that Regions Bank, despite soliciting on the basis of interest rates, does not disclose the rates it charges on my credit card unless I agree to allow them to deny me access to a paper statement. In other words, those customers that object to only getting e-billing ( which I cancelled because it kept going to spam and/or otherwise arriving late ( resulting in Regions charging me late fees ). So, I can not make an informed decision about which credit card I should keep since I have no information to base my decision on, until I get next month 's statement, and even then, I have no way of knowing how the rates have compared to one another during the past months/years, since I am denied access to statements, again, unless I allow them to go back to sending me late statements so as to charge late fees, and spam me. I don't see how my choice to receive an actual bill, on time, ( which is my right ) should somehow impair my other rights, including knowing what interest rate they are charging me today.

Please look into this and ensure that Regions doesn't pick/choose between what rights it complies with, and those that it chooses not to comply with.
Consumer complaint received 2022-08-02
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: NCB Management Services Inc. (VA)

See attached and : Dear Rep, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 1. XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. NCB Management XXXX 12 XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report within 4 days according to the law. 

Thank you.
Consumer complaint received 2022-08-02
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On or about XX/XX/2020 I decided to close my Bank of America credit card due to an unfair services, so I spoke to an associate who assisted me in taking care of that. 
A year later from the afore mentioned date I saw a charge on my card in the amount of {$43.00}. 
However since I know the account is closed I reported that as fraud with XXXX to be investigated.I reached out to Bank of America after three calls only to be told that it was an annual fee on the card .I told the associate that I have been with them for nine years with not a single missed payment .I asked the associate to remove the late payment due to my payment history which I have settled any way .its impacting my overall credit score negatively would like it deleted.
Consumer complaint received 2022-08-03
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 ACCORDING WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATEDMY RIGHTS 15 U.S.C 1681 SECTION 602 ASTATES I HAVE THE RIGHT TOPRIVACY 15 U, S, C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONCUMER REPORTING AGENCY CAN NOT FUMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX we received a letter from XXXX XXXX, a debt collector. They said I owe {$1700.00} to Citizens Bank for a XXXX account. My husband and I thought it was spam because we never had an account with Citizens Bank and we use XXXX products. I almost threw the letter away but my husband suggested I check my credit report. 

I checked XXXX XXXX and I learned that a Citizens Bank loan was opened on my credit report on XX/XX/XXXX and my credit score has dropped by nearly XXXX points. My credit score is usually over XXXX. I immediately submitted an identity fraud alert with the Federal Trade Commission on XX/XX/XXXX. 

On XX/XX/XXXX I reached out to Citizens Bank customer service and found out that it was a Citizens One loan and not a Citizens Bank credit card. They notified me that the loan application was made through a XXXX website to purchase an XXXX related product. 

I have not played video games in over 10 years and I do not own XXXX. No one in my family owns an XXXX or plays video games. They said they will mail us some paperwork. 

On XX/XX/XXXX we also reached out to XXXX XXXX to let them know that we are claiming identity fraud. Later on the same day we called XXXX to dispute the charge. Thankfully it was removed from my credit report by XX/XX/XXXX. 

Citizens Bank sent us paperwork in the mail which requested that we send them the FTC report along with proof of address during the XX/XX/XXXX time frame that the fraud occurred. We supplied them with all the necessary documents they requested. 

On XX/XX/XXXX we received mail from Citizens Bank. They denied our claim for identity fraud without any explanation. We intend to call them when their office opens up to try to figure out why they denied the claim and see if there is an appeals process.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2022-08-03
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: CITIZENS FINANCIAL GROUP, INC. (NJ)

I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). 
////CITIZENS ONE AUTO FINANCE is CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ).

This is a dispute pursuant to 15 USC 1692g/// CITIZENS ONE AUTO FINANCE violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// CITIZENS ONE AUTO FINANCE violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) //// CITIZENS ONE AUTO FINANCE reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and CITIZENS ONE AUTO FINANCE ./// CITIZENS ONE AUTO FINANCE also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. 
///// CITIZENS ONE AUTO FINANCE also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. 
I'm being denied credit and jobs opportunity due to CITIZENS ONE AUTO FINANCE non-compliance and violation of the FCRA /////I DEMAND the complete removal of the CITIZENS ONE AUTO FINANCE account including and not limited to any NEGATIVE REMARKS furnished by CITIZENS ONE AUTO FINANCE/// NOTICE IS GIVEN : In the event CITIZENS ONE AUTO FINANCE failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XXXX I was made aware of payments not made by my wife due to illness. It was around {$300.00}. As soon as I found out I contacted XXXX  and told them what had happened and paid the debt in full. The company refused to remove the blemish from my record. I cancelled my card immediately and filed a dispute with trans union. They have my debt to income completely wrong and my credit card debt wrong. They refuse to update costing me hundreds of dollars due to a {$200.00} dollar error.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (CO)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX