davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

In XX/XX/XXXX, I mortgaged a building loan through XXXX XXXX and paid off Citizens Bank in full. In XX/XX/XXXX I canceled any and all accounts with Citizens Bank. In XXXX I began receiving bills for fee 's from Citizens. I return their letters stating that I did not have any accounts with their bank. in XX/XX/XXXX, the reason for the statements was clarified with XXXX Bank. They had used a very old payment option and citizens was the bank that was listed. All settled immediately with XXXX and I phoned Citizens asking them why there were charges when there was no account. in XX/XX/XXXX, I asked XXXX to help me deal with Citizens who were beyond awful into abuse, harassment and simply impossible to deal with. XXXX did and the issue was resolved with letter supposedly stating so. A few weeks ago, new charges and new people and the issue was not resolved apparently ; although no one can tell me what who or why. I faxed faxed the letter to the Office of the Chairman and then received another letter stating that the fax did n't arrive in a timely manner ( I did explain that I was XXXX miles from a fax machine and was on way to XXXX New Hampshire for meetings and was now late having taken the call from the bank. The XXXX of this is horrible enough to loosesleep and make me stomach sick. the time and energy has been enormous. I truly want to file a complaint and if possible press charges for abuse and harassment.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Back in XX/XX/year> I filed a police report for identity theft. I reside in XXXX, Alabama and I have been in Alabama for XXXX  years. My credit file got leaked in several data breach. Someone in XXXX XXXX NV was using my identity. I did research on my own and called the creditorers and was given a XXXX XXXX NV address as XXXX XXXX XXXX XXXX XXXX and well as several other XXXX XXXX addresses. These accounts were all open fraudulent and all the credit cards were sent to this XXXX XXXX Nevada address XXXX XXXX XXXX XXXX XXXX NV please verify with the clients as I have already. The statements and cards all went to this address. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Property Receivable ) XXXX I've submitted my ID a piece of mail, a bill in my name. And XXXX you and Experian have all these documents that were submitted to your company via CFPB portal but yet you are still sending me mail asking me to verify and send you these documents and I have submitted several times. If this matter isn't cleared up by XX/XX/year> I'm contacting a Attorney I expect these items to be blocked from my credit file immediately!
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NH)

I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account name : XXXX XXXX Account number : XXXX This is my SECOND request. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up. ( Attached is the recent update on the alleged VERIFIED account from Experian ) The entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries.

Additionally, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

My complaint is with Green Tree. They are forcing an escrow on my loan after I was late with my property tax payment in XX/XX/XXXX. They say they sent me a letter requesting proof I paid the taxes. I never received any such letter last year. In XXXX, they paid my property taxes without asking and then sent me the bill in XX/XX/XXXX. I talked with their customer service and they asked me to send a request to remove the escrow. Then, XXXX XXXX who does their escrow 's for them made a request from our property tax, municipal utility and levy improvement district to return the taxes, saying they were paid in error. I have re-sent the same documentation to them XXXX times ( I have the fax receipts in my computer ) to rid myself of this unwanted escrow. I have called customer service again and again and for the most part they are helpful but have always asked me to send the documentation again to the same fax number as they " have n't received my documentation ''. Finally, in early XXXX ( the XXXX ), after I noted the escrow still had not been removed, I determined I had had enough of this. Back in XXXX when this started, I tried to just pay my regular payment, I was hounded by them to pay the remainder or they would report me as late, etc ... So, I sent them a message on their site in XXXX telling them they had XXXX days to get the escrow removed or I would seek assistance from the CFPB and the State of Texas. I reminded them of the $ XXXX judgment against them earlier this year and impressed upon them that I would be happy to be part of another judgment against them if they did not comply. I received a letter from them on XXXX saying they would contact me within XXXX days of the date of my email. They have until next Monday.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE XXXX INQUIRY FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX, XXXX  XXXX, dob XXXXthe cfpb complaint has been file to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you Experian reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of a personal loan from XXXX XXXX XXXX XXXX opened on XX/XX/2018 and account number ( XXXX ) I do not recognize the aforementioned account or collection account. this account that is reported by Experian was not made, initiated or opened by me. the aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint # XXXX, that proof from the FTC that this account is fraud.
Consumer complaint received 2015-09-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

PNC Bank in XXXX 2015 offered online a {$300.00} incentive for transferring banking accounts to their bank. I inquired about requirements and was told if I opened the accounts and arranged online bill pay that I would qualify for the {$300.00} payment. It was never paid. I inquired several times online and got no response. When I inquired in person I was told I would receive payment on XXXX/XXXX/15. On my next inquiry XXXX/XXXX/15 I was told that the small print required that I also set up automatic paycheck deposit on the account. This is the opposite of what I was told in XXXX when I opened the account. I specifically asked about the automatic deposit and was told it was not required as long as I had an automatic online payment that went through XXXX bill pay cycles. When I asked to close my accounts since I did n't qualify for the incentive, they told me there would be a fee charged for closing the account in less than 6 months. I believe this is a case of deceptive sales practice.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian Experian Dispute Center XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX. 

Subject : Request to Block Fraudulent Information Under FCRA Section 605C To Whom It May Concern, I am writing to formally request that you block specific information on my consumer credit report that I believe is the result of identity theft and fraud. This request is made pursuant to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

The fraudulent, inaccurate, and false information that I need removed from my credit report includes the following accounts : 1. **Credit Card Applied at XXXX XXXX XXXX Applied on XXXX, XXXX. 

XXXX. ** Credit Card Applied at XXXX XXXX - Applied on XXXX, XXXX. 

These application were submitted using my identity, and I did not authorize any of them. As a result, several unauthorized hard inquiries have also been made on my credit report. 

Please send me a written confirmation once these items have been blocked and removed from my credit report. I would also appreciate any additional guidance or steps that may be necessary to ensure that my credit report accurately reflects my credit history. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  - XXXX XX/XX/XXXX {$2100.00} XXXX XXXX - XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX  - XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-01
Product: Credit reporting 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 am a victim of human trafficking and the information below which appears on my credit report is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-07-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

XX/XX/XXXX, I had filled a dispute with capital one for {$60.00} I received a letter stating that I had won my dispute ; and that I would be a credit which I did. However I also had fraud on my account and for some reason the fraud customer service rep included that transaction in the fraud case and another credit was issued and had to be reversed ; I then spoke with an XXXX and explained that this issue had been going on for nearly XXXX months, and XXXX in executive resolution agreed and issued a credit to my account a good will credit ; however I then got a call from another agent who said she was reversing the credit, I objected and asked for her supervisor which did not resolve the issue, I then also called the executive office again on XXXX/XXXX/15 at XXXX XXXX mst and spoke with XXXX ; who assured me the issue would be resolved however no one she spoke to was able to report the credit. they al state it was part of my dispute ; i continued to report that it was not part of the dispute it was issued as a good will adjustment for all the time I had spent trying to resolve the issue. I also received a letter from capital one stating they would increwase my reward by {$40.00} for the hassle I have called several times and the rewards have not shown up. Finally XX/XX/XXXX I had XXXX more transactions post to my account that were not mine ; I called and reported the fraud and was told that credit would immediatly be issued against the charge which it was however then a fraud hold was placed on my account not allowing me to use the funds as I was promised.
Consumer complaint received 2015-09-17
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Neon Newco Corporation (CA)

I 'm on XXXX, when I finally won my case I needed a bank so I can have my checks directly deposited. I opted for a Netspend card, I thought I had researched it, but apparently not. The check I received from XXXX was {$75000.00} I had made some Purchases, then I noticed money was disappearing, charges were made from XXXX for a cell phone unlock thing. I do n't have a cell phone. Double charges, That was how I noticed I was being ripped off. I contacted Netspend, nothing, they hang up on me, tell me lies, I come to find out that its an offshore call center. The first thing they ask you is your SS #. There is so much to this., We finally got somebody from Netspend in the XXXX to talk to us, but then he gave us the run around. Lied to us, did absolutely nothing to help. He even said he would send me a copy of my account info, when he did they charged me {$5.00} for it. Bottom line is I 'm missing at least {$20000.00}. My family and I spend a year homeless because of my XXXX, we 're about to be there again. I need my money. All I want is my money back. If you check online on how many complaints there really are on this company, in the last month alone, its crazy and wrong. This company should not be in business.
Consumer complaint received 2015-09-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Dynamic Recovery Solutions, LLC (MN)

Dynamic Recovery Solutions has called my employer multiple times, even after being told to not call again. First call was about 3-4 months ago, and again today XXXX/XXXX/2015. Phone number of XXXX was left. I have checked my credit report and there is nothing on there that is unpaid.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We have tried to get a loan modification for over 2 years and the bank always asks for more documents. We always send everything on time. Now Select portfolio Servicing is saying they will no longer give me any workout options. HOW MUCH LONGER WILL I HAVE TO TRY TO GET A LOAN MODIFICATION? It should not take over 2 YEARS to get a loan modification. This company is not doing anything for my benefit but only for theirs. They placed my home on foreclosure and this is a very big threat to me and my family. I have tried and tried to get a loan modification with them and they will not give me XXXX. They always say, we need this and this and this and once it 's too close to the sale date they say ooops sorry it 's to close we ca n't do anything for you now.I make {$3300.00} every month it 's enough to make payments and quality under the Government HAMP modification program. I have a close friend who recently got a loan modification from XXXX XXXX XXXX ; she has a very similar situation as me. Same size house, same year, and same loan amount and she received a loan modification payment in the amount of {$670.00} a month. Why ca n't I qualify when I receive more money than her? They are violating the " California Homeowner Bill of Rights '' law. 
" CALIFORNIA HOMEOWNER BILL OF RIGHTSThe California Homeowner Bill of Rights became law on XXXX XXXX, 2013 to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include : see : XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

On XX/XX/year>, I ordered a treadmill through XXXXXXXX XXXX which is financed by TD Bank in XXXX XXXX I cancelled the order because XXXX would not honor a price drop. After I cancelled the order the copy reduced the treadmill by {$50.00}. I received an email stating the treadmill had been shipped so instead charging me a $ 15 % restocking fee, they charged my account {$910.00}. I filed a complaint with the XXXX XXXX Consumer Protection agency in XXXX XXXX. The XXXXnvestigator informed me see below : XXXX XXXX, " In our last conversation I explained that TD Bank isnt part of this complaint, and I still tried to contact Proform by email and by phone with no avail. Since XXXX  has its Corporate Headquarters in XXXX  I cant continue to investigate this complaint, what I suggest is, you contact Consumer Affairs in XXXX. I will send all your information to Consumer Affairs. '' Attention : XXXX XXXX XXXX Phone : XXXX Email : XXXX. 

My information was then sent to XXXX XXXX XXXX XXXX and assigned to a XXXX XXXX. XXXX XXXX 's investigation into XXXX produced no results. Subsequently, TD bank sent the account to a collection agency, and they returned to TD Bank for itemized information and closed their collection of it. Since XXXX, they have added it to my Credit report as a charge off and it has affected my credit. I have disputed but because I went to XXXX XXXX  agencies, they have retaliatorily keep it on my report. I have spoken with TD Bank, and they said I owe {$400.00} balance on a treadmill that was never delivered. I have applied for numerous loans, and it has stated I have a delinquent account. I applied for a debt consolidation loan and decline the loan because the company wanted to pay the charge off. This should have been dropped from my credit report after five years in XXXX and six years statute in XXXX XXXX and it seems very year they are adding another year to continue to damage my report. I am able to provide any information you may need to resolve this matter.