davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/23, I opened a checking account with Citizens Bank. 
On XX/XX/23, someone withdrew {$500.00} from my checking account from the ATM. At that time, I still had not received the debit card. Someone stole my mail with the debit card and the PIN number which they used to activate the debit card. When the withdrawal transaction occurred, I received a fraud alert notification from Citizens bank and I responded that this was fraud. I spoke to the bank rep and a claim was created. Citizens bank then mailed me a new debit card. 
On XX/XX/23, I received a letter from Citizens bank that based on their investigation, fraud did not occur and they will not credit my account {$500.00}.
Consumer complaint received 2023-06-21
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. (TX)

My closed XXXX installment credit account shows incorrect information listed. This ACCOUNT shows incorrect / unauthorized charges added. Also, it shows that it's CHARGED OFF. please can you help me REMOVE this account from my CREDIT REPORT Thanks, XXXX
Consumer complaint received 2023-06-21
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. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reported that a had a lease and loan from XXXX that was paid off. I sent a notarized letter to transunion. I filed a complaint with XXXX XXXX. 
Transunion said they updated my credit reflecting that I had a paid off lease and car loan with XXXX They did not
Consumer complaint received 2023-06-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-21
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. (GA)

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-21
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. (FL)

Back on XX/XX/XXXX I sent all the bureaus supporting documents in regards to accounts being fraud and not belonging to me due to identity theft/fraud. I am a victim of this and the bureaus have still kept an account that does not belong to me on my files. It needs to be removed asap. Also there is a XXXX  XXXX account that has me listed as a n authorized user. When I called the company to remove me they said they had done so but it is still showing up. it needs to be removed. I did not authorize these companies to furnish this information at all Per 15 usc 1681b. The account in question is the XXXX XXXX card. and XXXX XXXX card
Consumer complaint received 2019-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

At the end of XXXX, I sent a request to the credit bureaus to address inaccuracies on my credit file. On XXXX/XXXX/2019, I received a letter from XXXX XXXX XXXX XXXX deceitfully presenting me with paperwork to resemble a " validation of debt ''. Nowhere in this information did the company provide a contract that they legally obtained the debt and was authorized to collect on it. They also failed to provide me with validation of the debt according to FDCPA. This company has willingly, deceitfully, and illegally attempted to collect a debt without honoring my rights as a consumer to validate the legitimacy and ownership of the debt. Upon research of this particular firm, I found several court documents to substantiate that XXXX often engages in these illegal and unethical business practices. They utilize misrepresentation such as seen on page 2 of their letter. They have created a word document and deceitfully represented that as a " validation of debt '' when in fact IT IS NOT in accordance to the FDPCA laws, which they are aware of based upon the numerous lawsuits that this office has had dismissed for this very practice over the last ten years. Yet, then continue to violate the laws they are to adhere to.

They have harmed me irrevocably caused harm in their continued reporting of a debt to my name that they have failed to validate and provide documentation that they legally obtained this debt. This harm has affected my financial well-being and ability to obtain credit in the past as well as the future.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NJ)

Beginning on XX/XX/2024, {$9800.00} was first fraudulently withdrawn from my Marcus account and transferred to a XXXX account which is not mine. Subsequently, an additional {$100.00} was transferred from my Marcus account on XX/XX/XXXX and sent to an XXXX account which is not mine. I identified the issue on XX/XX/XXXX and immediately contacted all parties to have the funds returned to my Marcus account which has not yet occurred.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-21
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. (NV)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX/XXXX  XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00}, XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XXXX XXXX Owed : {$2400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00}, XXXX XXXX, * Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$560.00}
Consumer complaint received 2023-06-24
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. (TX)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4800.00}
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

Hello, I am writing you to ask to receive assistance with an issue for a mortgage ( ending in XXXX ) I have with Chase bank and specifically concerning my credit history. 

I always paid this mortgage on time since XXXX, by automatic withdrawals. Last XX/XX/XXXX instead I wanted to pay with a check of XXXX $ and XXXX $ with a transfer from my checking account with Chase, to cover the whole monthly payment. I asked the assistance of Chase to make sure that everything was fine and I was reassured by Chase : " I have good news ; We have successfully combined your payments of {$900.00} and {$660.00} to satisfy your XX/XX/XXXX monthly payment. Your next payment will be automatically drafted on XX/XX/XXXX. '' ( attached email ). 

Instead it seems that the XXXX $ transfer had not taken place properly even tough my checking account had all the funds necessary. I was not aware of any issue nor at fault, since I was reassured by Chase own words that the payment was successful. Chase did not reach to me to let me know of the issue. On XX/XX/XXXX I received a notice of pre-foreclosure. I immediately called Chase and made again a payment of XXXX $ to cover the XXXX mortgage payment again. 

I know that late payments can affect the credit history so I asked Chase to make sure that they would reverse any bad note on my credit history, since they have made a mistake and I am not at fault. They are not willing to do so.
Consumer complaint received 2023-06-24
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. (TX)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$4800.00}
Consumer complaint received 2023-06-24
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. (FL)

I sent letters to all the bureaus to address inaccurate and fraud accounts and inquiries that are reporting and that do not belong to me. PER 15 1681B I DID NOT AUTHORIZE you all to furnish this information. Let alone furnish FALSE AND FRAUD INFORMATION. THESE NEED TO BE REMOVED ASAP.
Consumer complaint received 2023-08-09
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: BAY COUNTRYCONSUMER FINANCE,INC. (MD)

To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/2023, I retrieved a copy of my credit report XXXX and discovered multiple unauthorized trade that I have no knowledge that is on my consumer report. Because I did not apply for credit with BAY COUNTRY CONSUMER FINANCE, INQUIRY DATES : XX/XX/2023. I have also reached out asking that they remove the inquiry from my credit profile.
Consumer complaint received 2023-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I use PayPal quite often to transfer money to family, especially when there is an emergency, because they have an option to get the money to them quickly. This last time I tried to transfer funds, there was an error and my bank kept declining the transfer to withdraw from my PayPal balance and deposit into my bank account. This was tried several times. ( The next day I was able to use this service with no difficulties ).

However, during one of the attempted transfers my money was frozen in a pending transaction and not returned to my PayPal account balance as it did during the other attempts. I contacted PayPal support immediately to resolve the issue and find out why the transaction was still pending and not cancelled. I also asked why my funds were not returned to my account.

It has been more than 72 hours and in this time I have gotten several different responses with no resolution and no answer to where my money is/went. I have screenshots of all the conversations. The first time I was told that transactions can be held for security reasons. Then I was told that there was no security reason. I reverified my information with them just in case. Then they charged my checking account for {$1.00} which I never authorized for them to do. If my account had been zero, they would have cause my account to overdraw and I would be charged fees by my bank. I have never heard of a business being allowed to charge any amount to someone's bank account without their permission.

All I want is my money to be returned and I keep getting the run-around by their support team with different answers. The last person called to tell me that they are sorry, their hands are tied and there is nothing they can do. There is nothing they can do to resolve a business matter for a customer of the company they work for? Really!!?

I asked them to open a support ticket or escalate the issue to a higher department and they replied they could not because this is a " normal '' process.

PayPal support tells me they can not do anything. It is not something I did. It was the fault of their system, and the normal system process worked on all of the other transactions which was this : when the transaction did not go through, the money was returned to my balance within a few minutes. Suddenly, it doesn't work, my money disappears and there is nothing they can do except to wait for some " normal '' process that they can not explain to resolve itself? This is bull " you know what ''.
Consumer complaint received 2019-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I have been requesting a mortgage payoff statement for the past 3 weeks. The company does not mail me the mortage payoff statement and has not returned my calls when i've reached out to customer service. 

additionally - i have tried to make extra loan payments online - but the mortgage company ( Citizens One Home Loans  ) charges me a {$10.00} fee and {$40.00} separate fee for making extra payments online. This is predatory lending. 

They are not allowing me to pay off my mortgage and I want to pay it off in full since the interest rate is very high ( 8.125 % ). 


Customer Service Monday through Friday from 8 a.m. - 5 p.m. 

XXXX XXXX Option 1 - XXXX XXXX   Notices of Error or Requests for Information Citizens One Home Loans Attn : Customer Service XXXX XXXX  XXXX XXXX XXXX, VA XXXX Collections Department Monday through Friday 8 a.m. - 8 p.m. 

XXXX XXXX Option 1 - XXXX XXXX
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax had a problem with reporting accuracy. After several attempts to get them in line with XXXX and XXXX ( not that they are perfect ) Equifax decided to take everything off my FICO report. FICO is the report that matters and I have 11 open accounts in good standing including a mortgage that has never been late NOT posted on my Equifax report!! I need them to put these accounts BACK on my EQUIFAX report. I have attached my full credit report so they can see how far off they are from XXXX and XXXX.
Consumer complaint received 2023-06-23
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. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-06-23
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. (IL)

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.