davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XXXX XXXX, 2015 I made an online ACH payment for my student loans. I called the Citizens Bank XXXX online teller system that evening to verify my checking account balance, and discovered that this transaction caused an overdraft of {$47.00}. Early the next morning I made a {$50.00} cash deposit around XXXX The deposit revealed my account balance was now {$2.00}. Later that evening on XXXX XXXX I again verified my checking account balance using the automated teller system. This time I discovered that the Citizen 's Bank XXXX had charged my checking account an overdraft fee of {$35.00}. I then asked to speak with a manager to find out why the bank charged a fee when my checking had a balance of {$2.00} earlier that morning. The manager, whose name is XXXX responded by telling me that the bank could charger a {$35.00} fee whenever they decided to. I do n't feel that I should have been assessed this fee, in addition to additional fees which followed, since the fee itself created an overdraft from the earlier balance. When I received my paycheck that Friday, XXXX XXXX. These amounts had been deducted. I would like to have the fees removed to resolve this issue. In addition, I did not opt to have the overdraft protection offered by Citizens Bank XXXX, so if my account did not have the funds when I attempted to make a student loan payment online, the transaction should not have gone through as payable. 





led the toll free banking
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

XXXX XXXX XXXX bill for XXXX. I did not open a account with this company. On the credit report ( XXXX ) it states that the account was open on XXXX/XXXX/16. This isnt my debt. Enhanced Recovery Corp
Consumer complaint received 2015-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

I have received numerous automated dialer calls from Enhance Recovery XXXX to collect an amount, supposedly from XXXX XXXX XXXX that does not exist. I have contacted them several time by phone and in writing. I have informed them that their claim is fraudulent, actually using those words, and asked them to prove that the debt is valid. I even disputed it through XXXX. They have never shown any proof that this is a valid charge. I have never received a bill in this amount from XXXX and when I had service with them I was on auto payment so I always had a zero balance. XXXX years after I cancelled my service I began to receive calls from them. I will include copies of letters that I have mailed. 

I believe that this company uses frustration and filing false credit information as tactics to secure payment from people for amounts that may not even exist. They rely on the fact that it is just easier to pay than risk being reported to a credit bureau. I have spent many hours on the the phone trying to find out about this debt. ( mostly on hold ) It is simply not ok that predators like this are allowed to bully people into paying amounts that they do not owe. It truly amounts to extortion. 


( I have several other files I can submit )
Consumer complaint received 2016-10-25
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

In XXXX 2016 I was sent a letter with an attached check for {$50.00} from XXXX XXXXXXXX, Citizens Bank, with no return address so I was unable to write him a letter about my situation. The check is made out to XXXX XXXX, the name of my business, now closed because I retired. I no longer have a XXXX XXXX account at Citizens, but all my other banking accounts are still with Citizens. The letter says to stop by my local branch " where XXXX of our bankers will be happy to assist you. '' I did just that, and I was told by a teller to call the XXXX phone number mentioned in the letter. She was not " happy to assist '' me. But I did as she said, and I got a recording that was no help at all. I also went to various web sites, all to no avail. I think this is actually a ruse that allows Citizens to say they tried to refund money owed to a customer, but the process is so convoluted this customer is ready to give up. It 's hardly worth the time, effort and aggravation. Just thought you should know about this.
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

XXXX Transfer of carrier. Debt Collector # XXXX for {$140.00}. was paid but not taken from account reason, the XXXX obligation to pay remaining contract balance. Then brought to a Collector - XXXX XXXX, XXXX XXXX notice received on XXXX/XXXX/15 to stop this collection, {$81.00} was paid as settlement amount for the {$140.00}. Confirmation # XXXX was given and collection settled. Today, Received another Collection Notice in the amount of {$71.00} with a settlement amount of {$32.00}. Under a different collection agency named : ERC.
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (AZ)

I had a home years ago in XXXX, UT. I had split rooms into rentals, we already had services with other companies. My son and his wife wanted XXXX, I eventually gave in and ordered. On the day of install, I returned from an appointment to find my policeman neighbor outside to tell me about the damages to my property. We went to the back yard to find it ripped apart. My home was on the market to be sold. All my sod was destroyed, they used coal shovels destroying the lawn and left chunks of sod and mud all over the yard. The XXXX dish cables were severed and laying in the garden. XXXX XXXX cable I purchased in Arizona had been cut from the basement wall, about XXXX '' hanging from the wall. These XXXX installers had used MY cable to run their cable from the trench, across the lawn, over the TOP of the hog fencing and then on the ground, then into the side of the house. I went into the house, picked up the box that was there for the self-install and immediately called XXXX. I was told to bring the equipment to their offices off XXXX XXXX and the account would be canceled. I did that, with my grandson. We stood in line for nearly an hour, then the girl at the counter refused to accept the box. I asked for her supervisor, a guy came out from the back and I stated all that had happened and then he said he would send a supervisor to my home to make the repairs and pay for the damages. That NEVER happened! So, I NEVER opened the box, never turned it on, nothing but took it back to the store THEY told me to go to. 

As of today, XXXX/XXXX/XXXX, my bank informs me that my credit is damaged by XXXX ( XXXX XXXX credit bureaus, both initiated by XXXX!! I have spent this entire day on the phone with XXXX and their circus! No matter how many people you talk to or " supervisors '' you are told they 're transferring you to " Corporate '' when they do n't. It all goes back to Billing, where they do n't help. 

I have also learned that XXXX also filed against me for another amount of {$860.00} using another name, but I had not been in that home during the dates they claim, as I lived in another state. 

XXXX destroyed my credit for what? I 'm an old woman, a XXXX widow and grandma. THEY destroyed my home and property so I could n't sell it. We lost XXXX when we did finally sold it when the housing market declined, after I had to shell out the costs to make the repairs. 

I have been lied to by every single employee of XXXX for many years. I was told that because I returned the equipment, I would have no charges, then they destroy my credit!! 

THIS IS N'T FAIR OR LEGAL IS IT?? 

I 've never had a notification, knew nothing about this until now. I suffered a XXXX XXXX XXXX in XXXX and have a hard enough time just coping, to be abused by this huge corporation is wrong!! 

By the way, I have many witnesses to the damages that they did to my home and also how I did follow through that same day and drove to their office and handed the unopened box back to them..
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

My credit card was closed yesterday XX/XX/2023 without any notice or opportunity to rectify. I had the credit card available balance in case of emergency home repairs ( I am in Florida and hurricanes are getting worse ) and would have easily set up autopay on some monthly expenditures had I known it would be closed. 

In addition, customer service ( XXXX ) asked if to reopen, would I agree to a credit check as if I were applying anew after I gave all my personal information. He could not say whether this account closure would negatively impact my XXXX XXXX and then a credit check... He could not provide any meaningful information as to the ramifications of the account closure or contact information to the company 's regulatory and compliance department. 

My biggest concern is the no-notice or opportunity to rectify but also their firewall of no information as to the effects of their actions to my credit and basically, requesting a new application. 

Lastly, I worked very hard to rebuild my credit and have been very diligent to maintain it in good if not excellent status ( 805, not sure what it will be next month ). I am concerned my ratios will be negatively impacted by losing this line of credit all of a sudden and not knowing if their account closure adds to the impact. It seems because they were not making any money off of me, they abruptly closed my account. As I indicated, to ensure a good credit rating I would have and will gladly transfer monthly autopay accounts to their card. 

Thank you for your assistance.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (UT)

I 've disputed these items with Experian on several occasions now. 

XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$12000.00} These items are over 7 years old. XXXX is reporting an incorrect " First Date of Continuous Delinquency ''. They have extended the reportability of these XXXX listings by an extra 2 years, these XXXX items should have been removed from my credit report on or around XX/XX/XXXX. 
Attached is a copy of the agreement where it clearly explains the Deferment End Date. In my case, ( ii ) is the earliest of 180 days after the Borrower ceases to be enrolled at the School. It is NOT ( iii ) 2 years after the date of the loan disbursement, as that would be a later date. XXXX has purposely chosen to report this INACCURATELY based on ( iii ) causing this item to report on my file by an extra 2 years!!! 

See enclosed agreement information for the " Deferment End Date ''. 
According to the attached agreement ( XXXX ) the Academic Period was from XX/XX/XXXX-XX/XX/XXXX. I was enrolled for XX/XX/XXXX ONLY ( See attached class enrollment schedule ). XXXX assumed that because it was a XXXX College that the enrollment period would be 2 years. Reportability of these XXXX items should be 7 years from the 180 days after my enrollment period of XX/XX/XXXX, making the Date of Continuous Delinquency XX/XX/XXXX plus 7 years for reporting this to the credit bureaus therefore these listings should no longer be reporting on my credit report after XX/XX/XXXX NOT like they are currently reporting on my credit. XXXX is listing the First Date of Continuous Delinquency as XX/XX/XXXX for loan amount {$29000.00} and XX/XX/XXXX for loan amount {$12000.00}. 

I 've attached my Class Enrollment Schedule, showing enrollment in XX/XX/XXXX. 
These XXXX items from XXXX XXXX should have been removed from my credit report based on the FCRA section 605 ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
I 've been disputing these items for 2 years now, the last letter Experian sent me dated XX/XX/XXXX states that they will not reinvestigate this information again. How can they get away with this inaccurate reporting for 2 years, I 've sent multiple disputes over the last 2 years and made several phone calls! XXXX is in violation of the FCRA, they 've reaged these items. 



Enclosures : Agreement XXXX pgs Student Class Schedule XXXX pg
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/XXXX at approximately XXXX hours, I checked my credit report through my credit card XXXX XXXX. I noticed my credit score dropped from XXXX points to XXXX points. I obtained a credit report check through Experian and noticed a false address on my credit report such as XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have filed numerous complaints against Experian for the past several months ago and advised Experian that I do NOT lived in XXXX California. I have been a victim of Identity Theft since XXXX XXXX, XXXX. Experian was to put my credit report on " Security Freeze '' and place a " Fraud Alert '' in order to prevent criminals from opening any more credit cards using my name without my authorization. Experian continued to ruin my life again by dropping my credit score from XXXX points down to XXXX points ( XXXX ). I would like to know why Experian continued to ruin my life by allowing criminals to open more credit cards and refused to bring my score up to XXXX points? I thought everything was going well for my life since XXXX XXXX until Experian starting to ruin my life again. Why?
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (KS)

Yes I have filied a identity theft to the XXXX credit reporting companys. I got XXXX response to XXXX, the other XXXX have not been able to due to not getting right address from them when I call. That is my one complaint that they do not answer or report the right information. My 2nd complaint is there is a report on my husband report and they told me at the county office that the credit reporting companies hire someone to go in and get info and report back to them. They do n't look at birthday or SS to make sure they have the right person or not. They reported on my Husband when it was my Son 's debt just cause they have the same name just one is a XXXX the XXXX. They told me its our job to look at our credit report and dispute something that is not ours if we see something wrong. I told her what about our credit score? It takes your companies 3 months to fix and the damage done what
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX - {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from my credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2024-08-28
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. (WY)

I looked at my credit report on XX/XX/year>, and noticed some things are incomplete and inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy the information concerning the individual about whom the report relates.these accounts grain acount # XXXX XXXX XXXX acount # XXXX self account # XXXX XXXX XXXX XXXX XXXX acount # XXXX XXXX XXXX acount # XXXX XXXX XXXX # XXXX, are not complete and accurate.reporting inconsistent information across all 3 bureaus.and one more thing according to15usc 1681s-2 a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.delete accounts immediately and stop violating my federally protected rights under the fair credit reporting act.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Filed a dispute with the XXXX credit agencies ( XXXX, XXXX and Experian ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter XXXX.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX ( account number : # XXXX ) was removed from my report and now my credit is inaccurately reporting. It was taken off in XX/XX/2022, and has yet to be inserted. I've contacted XXXX, to which they have stated that they've got everything upto date for reinsertion, however, each bureau has told me that they've yet to see any updates from the creditor.
Consumer complaint received 2016-12-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TX)

Every day I receive a call to my home telephone from XXXX. I XXXX this number and got info that the company is AFNI , Inc., a debt collection agency. I believe they may be attempting to collect on an auto accident my ex-husband had several months ago. He was not insured. I believe he gave the insurance company my home number as a contact. He has not lived here in over 5 years. 

I picked up this call today. Nothing but silence for a minute or so until a recorded message came on stating this was an attempt to collect a debt and I should call another telephone number. Then the call was disconnected. I did not write down that number. 

Any help you can provide in getting this company to stop calling my home telephone number ever again is greatly appreciated.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC. (CA)

I live in a condominium. My mortgage provider ( New American Mortgage ) requires proof of HOA insurance. The mortgage provider sent a letter ( via post ) that stated that since they did not have this proof, they were going to purchase the insurance and charge me for it. My complaints are:1. The notice was sent by post, not email ( even though I have signed up for all contacts via email ). 
2. There was nothing in the letter that indicated there was any grace period ( it was dated the day after the prior policy expired ). 

When I complained to the mortgage company, they told me that they had to mail the letter, could not send an email, and that the verbiage was dictated by the CFPB. 
If this statement is true, then I would like the CFPB to change their guidelines to allow email, and allow the specification of a grace period. If this is not true, then I would like the CFPB to make it clear to the mortgage providers that they have these options ( I would also like to know so I can call their bluff.
Consumer complaint received 2016-04-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (TX)

I recently opened a business account with BBVA in XXXX 2016, and ever since then, I have been having issues with logins, password retrievals and the rest. The most painful thing was when XXXX of my clients wired money into the business account and subsequently had to wire some into the company 's brokerage account. The wire transfer was cancelled and hence, account frozen. I have gone to the local branch at XXXX TX to make complaints, but all to no avail. I was told they could n't unfreeze the account because whoever froze it is still unknown and neither do they know the reason behind it. This is a business account, and I have n't been able to conduct business the way I should. 
All I want is to withdraw all my cash and possibly close my account with them. If no resolution is reached in couple days, I will proceed with legal actions. This is absolutely absurd and uncalled for. 
XXXX XXXX