davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

CFPB XXXX FDIC XXXX. 
DEAR SIR THIS LETTER WAS SENT REGULAR MAIL TODAY TO ASCERTAIN THE FACT I WAS NOT A RESIDENT OF MASSACHUSETTS AND CITIZENS BANK IS REQUIRED TO RESEARCH THIS A.T.M.FACT, AND THEREFORE I WAS NOT A TAX RESIDENT ALSO. ILLEGAL TRANSFER OF FUNDS. UNDER THE UNIFORM ENFORCEMENT OF FOREIGN JUDGEMENT ACT, ANOTHER STATE TAX AGENCY CAN NOT COLLECT FROM A SECOND STATE. I WAS NOT A RESIDENT OF MASSACHUSETTS   FOR ALL OF XXXX, XXXX ( only XXXX XXXX, XXXX after citizens bank would not send me a bank card to the UNITED STATES EMBASSY ( XXXX ) who gave me permission and who can verify the fact i was  devistated, and had to return to the u.s. and i stayed in the s h e l t e r -- not a tax resident for XXXX ) NOT A RESIDENT FOR ALL OF XXXX, ALL OF XXXX, ALL OF XXXX I C AN GO BACK AS FAR AS XXXX WHEN I DID RESIDE IN A WEEKLY MOTEL ... NOT A RESIDENT FOR TAX IF YOU RESIDE IN A WEEKLY HOTEL ... ANY WAY, FOR THE LAST 5 YEARS I WAS THERE ALMOST ZERO DAYS. IF ANYTHING THIS STATE OWES ME MONEY. MASSACHUSETTS   DEPARTMENT OF REVENUE XXXX BELIEVED ME AND SAID TO REQUEST THE TAX PREPARER, XXXX -- THE TAX PREPARER XXXX XXXX HAS BEEN REQUESTED TO SEND THE INFORMATION -- HE EVEN SAID I ONLY OWE FEDERAL TAX, NOT STATE. EMAIL ADDRESS -- XXXX -- -NAME, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX ma . XXXX I DID NOT OWE STATE TAX AS HE ALSO KNOWS. I WAS OUTSIDE OF THE U.S. FOR MOST OR ALL OF THIS TIME. 
THE TAX PREPARER ALSO DID NOT RESEARCH THE FACT ( ascertained by u.s. tax preparers across the ocean in the e.u. ) I AM QUALIFIED FOR THE FOREIGN TAX CREDIT FOR SURE. ACCORDING TO MASSACHUSETTS TAX AUTHORITY, THE TAX PREPARER FILED THE ERRRONEOUS ERROR FORM ... .ANY WAY, THIS IS ALSO FACT THE CITIZENS BANK IS REQUIRED TO RESEARCH THE FACT ALSO - I WAS NOT A RESIDENT OF THAT STATE .... MY ADDRESS IS XXXX XXXX XXXX, XXXX XXXX,, RHODE3 ISLAND XXXX. 
YOU ALSO HAVE ACCESS TO THE A.T.M. MACHINE FACT I WAS NOT A RESIDENT OF THE STATE. THE BANK IS LEGALLY REQUIRED TO RESEARCH AND INVESTIGATE THE FACT AND REPLACE THE ILLEGALLY WITHDRAWN MONEY ... THEN THERE IS ALSO XXXX INVESTMENTS WHO WOULD NOT ALLOW ME TO UPDATE MY ADDRESS, WHO DID WITHHOLD MASSACHUSETTS TAX FOR AN INHERITED I.R.A. REQUIRED DISTRIBUTION. XXXX TOOK A FALSE COMPLAINT, WE BELIEVE FROM FORMER EXECUTOR ATTORNEY, WE THEN WENT TO XXXX. WHO REQUIRED XXXX TO DO XXXX   TRANSFERS OUT OF XXXX TO ANOTHER BROKERAGE INSTITUTION. 
XXXX MIGHT BE THE REASON FOR SOME OF THIS. ERRONOUS ILLEGAL FILINGS CAUSING THE ILLEGAL WITHDRAWAL OF FUNDS. IF THIS COMPLAINT IS HELPFUL TO YOUR WORK, THEN YOU MAY PUBLISH IT .... ONLY IF MY NAME IS DELETED.
Consumer complaint received 2024-11-04
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. (AZ)

When I was in the military in XXXX, XXXX I was a victim of identity theft with a credit card account opened in my name at XXXX XXXX XXXX XXXX for {$14000.00}. During that time I filed a report with XXXX because other XXXX were being hacked as well. I later learned that I was a victim of the XXXX data breach which I have reason to believe that was a reason that my information was compromised. In XX/XX/XXXX XXXX XXXX sold that debt to a collection agency XXXX XXXX XXXX which has been reporting a balance of {$6500.00} on my credit report since that time frame. They both are still currently on my credit reports for all three bureaus which has been affecting my life in many ways. I would like all collections dealing with those fraudulent accounts be deleted from my credit report as per FCRA 605B ( 15 U.S.C 1681c-2 ).
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (MD)

I disputed an item that was falsely added by this creditor. On my credit file, they claimed I owed {$290.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company sent me a letter dated XXXX.18 that looks like a bill, this bill didn't reflect any contract or my signature stating that I have any kind of agreement with this company or its alleged client. I sent them a 2nd letter on XX/XX/18 disputing the derogatory they have, this letter was received via certified mail by them on XX/XX/2018, this company had no response to my 2nd letter and furthermore, they continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. Again, a print out of a bill is not valid, I need the actual contract from this company.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (MN)

XX/XX/XXXX, I went into my bank to refinance my vehicle. I found out that the XXXX pulls my credit from XXXX. XXXX  has outdated information reporting to my file. In XXXX of this year, I purchased a new home. The three national credit reporting bureaus, XXXX, XXXX  and XXXX  was used. I had an issue with the XXXX XXXX XXXX XXXX posting to the bureaus. I received a letter from them to update my credit report recently. I've been checking my report regularly and don't have any collections on it. XXXX is still posting some outdated and/or inaccurate information on my credit report that is hindering me from getting an approval to refinance my vehicle at a lower interest rate. I was contacted by the bank representative noting that there is something on my account that disallow the refinance approval. I was told mainly that my home that I purchased on XX/XX/2018 is not showing up on my account. The bank representative left a message on my phone noting that something is showing up on my credit report by XXXX. This is the third time that this bank has denied me an approval for information stored on the XXXX report. XXXX  is not sending me a report so that I may dispute any inaccuracies pertained on it.
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

In XXXX of 2016, I moved out of an area that XXXX services. In XXXX, I received my final bill and I called in and made my last payment, I even asked the lady on the phone if that was it and she informed me that it was. Here we are, over 2 years later, and this company adds itself to my credit report without sending me ANY information. 

Very slimy actions, to be honest. 

Please send me verification of debt and remove yourself from my credit report before you're sued.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 2018-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Yesterday we found {$4900.00} in fraudulent ACH Debits taken out of our personal checking account at XXXX XXXX from XX/XX/2018 to XX/XX/2018. They were all through Paypal eChecks or Instant Transfers. Upon calling Paypal, we discovered there was another Paypal account set-up by " XXXX XXXX '' using our bank account information ( none of these transactions came out of our own Paypal  account ). Paypal immediately suspended the other account and has told us that they are willing to refund us for fraudulent charges of the last 60 days, but that our bank would need to submit an ACH reversal to do so. 

When speaking with XXXX, they are not willing to do an ACH reversal for the last 60 days, only the first 60 days after the first fraudulent ACH debit. When we initially spoke with our bank about the fraud, we flagged all Paypal charges as being fraudulent ( since XX/XX/XXXX ), although a few hours later we spoke with Paypal and realized that the XXXX and XXXX charges were not fraudulent ( we had actually made these ). Therefore, only charges since XX/XX/XXXX were fraudulent and we immediately informed XXXX. XXXX has since refused to change the date of ACH reversals to XX/XX/XXXX, as it should be, and they are not willing to submit ACH reversals for all fraudulent transactions even though Paypal will accept the ACH reversals the last 60 days ( XX/XX/XXXX - XX/XX/XXXX ). This obviously leaves us in a very tough position, as we will lose out on the majority of our money as the two 60 day periods do not line up! Upon doing research online, this also appears to be a very common fraud problem for consumers that use both Paypal and XXXX. 

What's the value of your claim ( in US $ )? {$4900.00} Date of transaction/travel date : XX/XX/2018 to XX/XX/2018
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

on XXXX XXXX i file a consumer complaint with XXXX  XXXX euiqafax about my acoount i ask them to validate the account for the XXXX XXXX XXXX XXXX for {$7400.00} and also XXXX  XXXX XXXX {$1000.00} and university XXXX XXXX for {$310.00}
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: APR or interest rate — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XXXX XXXX, XXXX USAA, had debited my checking account for {$56.00} for payment to my closed Credit Card ( CC ) Acct, without myself scheduling the payment on their bill pay or my authorization. So they applied a credit card payment reversal to my chking account. iI later that day did schedule payment for my closed cc account. When I received my XXXX statement for my open cc account, I noticed USAA charged my open cc account {$56.00} and applied it as a payment to my closed cc account and my scheduled payment. So XXXX payments were applied to my closed cc account. On XXXX XXXX, XXXX, I called USAA and they said it was an error on their part. Because they made this error, I thought I 'd look over my closed account statement closely and I noticed that USAA had increased my interest rate on my closed credit card account from 7.15 % to 7.40 % back in XXXX XXXX WITHOUT NOTIFYING ME. This account has been closed over 5 years now and have been paying a fixed interest rate of 7.15 % when I closed this account. My earliest bank statement that i have indicating that i was paying this interest rate goes back to XXXX XXXX. I called USAA and they said there was nothing they could do. 
My complaint is, why is USAA increasing my interest rate on my closed credit card account when it has been closed for over 5 years now. Does n't opting out protect my outstanding balance at the lower interest rate at the time my account was closed? Does n't the Credit Card Act prevent banks from increasing interest rates on closed accounts arbitrarily? USAA had not been receptive with me when bringing this situation forward to them.
Consumer complaint received 2018-12-18
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)

I have been the victim of ID theft most of the items have been resolved except the one item still on the report : 1 ) Chapter XXXX Bankruptcy Docket # XXXX
Consumer complaint received 2018-12-18
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. (MD)

According to my recent credit report request from Transunion, XXXX, And XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I open a check account for my high school Soon XXXX XXXX XXXX bank of America at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Bank of America but no help, I ca n't afford to pay those unarguably fees.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I contacted several mortgage companies a few years ago to refinance and chose USAA. I asked each one of the mortgage companies if I could make bi monthly payments to pay down my mortgage sooner and USAA said yes. After the refi was complete I reached out to set up my extra payments and was told that I had to pay to participate in a program to be able to make extra principal payments. This is my complaint. I should not have to buy a program to pay off my mortgage with extra principal payments.
Consumer complaint received 2024-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-12-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

11 years ago I had a life threatening medical issue for which I was hospitalized for over a week. I had no insurance at the time. I cashed in my XXXX IRA to pay the individual doctors, so now I have no retirement funds. I contacted the hospital and set up monthly payments and they agreed. About one year later they handed my debt over to this collection agency. At this time I sent a cease a desist letter to this agency, told them I was paying the hospital directly and they stopped communication. I continued making the payments for 10 years ( about {$5000.00} dollars ). This month I received a notice of a lein placed on my property with no notice of hearing. This agency is now making daily calls to my professional office. Please make it stop.
Consumer complaint received 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted XXXX To fix problem the account has been close since XXXX XXXX on my Transunion and XXXX XXXX on my XXXX report
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX VIA EXPERIAN, XXXX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON XXXX XXXX WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER XXXX XXXX OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files byXX/XX/2017. 

XXXX XXXX XXXX
Consumer complaint received 2018-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Merchants and Medical continues to skirt the law by placing items on a persons credit report before validating the debt then when complaints are filed they provide false documentation that a validation letter was sent out. They also continue to verify the debt with the credit bureaus even though they have not followed the law regard debt collections.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Hello, I am sorry I had to come to this point, but I have been disputing inquiries with Equifax for some time now from companies that I never authorized to use my information. What is killing me now is their website is telling me that my information was compromised in their data breach and I 'm devastated because I have been telling them forever that there is a bunch of inquiries that I did not authorize anyone to do. A few months ago I had got a email notification from a monitoring service that I use that someone has logged in my account which was not myself or my wife because we were together. I hurried up and change the passwords to all of our accounts immediately. It 's so scary not knowing who has my info and is using my info to try to get themselves a car and cell phones and I guess what seems to be a new mortgage. 
*XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX
Inquiry from XX/XX/XXXX XXXX- Removed all but one of the inquiries that I did not authorize.
*XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2018-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I had noticed on XX/XX/XXXX that my student loan principal had gone up unexpectedly. Upon reviewing my account I noticed that since XX/XX/XXXX my payment plan was changed without my authorization. On XX/XX/XXXX I called Navient to inquire about why my student loan payments were only being applied to interest and not principal. I was unable to gather any information from the Navient representative other than I had {$1000.00} worth of unexplained unpaid interest and that I was on an income based repayment plan. I emailed the company that evening to attempt to gather more information.
Consumer complaint received 2017-10-02
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. (FL)

I have personally contacted XXXX, Experian , & XXXX credit bureau through phone, online, and certified mail. It has been 5 long months. Neither bureau can answer or explain the process that is taken to verify an account. I honestly admitted several times that I am unaware of the accounts Ive disputed but its becomjng more of a problem where I must take matters into my hands and contact my lawyer. We will be seeking legal matters. I have every right as a consumer because you have broken several FCRA laws. Section 609, 605, and  others but I want to get to bottom line of this. For the final attempt, what is the verification process? If you cant answer and prove the steps and process correctly by law you must remove the accounts that Im disputing. I have given you sometime to fix your errors but you insisted on being egotistic, and now you must pay the consequences for your actions in the courtroom. I have all evidence of the certified mail, phone calls that were recorded. I have my evidence and Im ready to take this to court and publish online about your company about the credit breach, you leaking my information, placing errors on my credit file, false information, not 100 % accurately verifying credit accounts & accusing consumers. I have contacted the creditors as well and this seems to be problem none are responding and are taking this situation as a joke which displays unprofessionalism total disrespect. Well see who gets the last laugh. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this is on there twice ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX