davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022 at XXXX EST, I called Experian to let them know they were VIOLATING MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I made them aware of the following accounts on my consumer report " containing information solely as to transactions or experiences between the consumer and the person making the report '' ; Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I requested these alleged transactions be removed from my consumer report that should NEVER have been included in a consumer report, because they solely contain information to transactions between me ( consumer ) and the following persons who made the reports ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX. 

I also brought to their attention that I was not being treated fairly and impartially because they never contacted me, the consumer to find out if these transactions ever took place during their initial investigation, which was a violation of my privacy ; Pursuant to 15 USC 1681 ( a ) ( 4 ). 

I made Experian aware that their mishap in adding these items to my consumer report has ruined my reputation and adversely affected my credit worthiness and demanded they remove these items from my consumer report. 

I was told by Representative XXXX and Supervisor XXXX that Experian has no system in place to remedy their wrongs. Futhermore, they will not remove these transactions from my consumer report which violate the Fair Credit Reporting Act.
Consumer complaint received 2016-04-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I found fraudulent charges on my checking account twice, citizens bank did not catch these transactions. After filing the paperwork to have them investigate these charges and opening a new bank account with citizens bank they placed the compromised account in " credit only '' status and the account had a XXXX balance, it was suppose to close 7 days later. This was XX/XX/2016, today is XX/XX/2016 and citizens bank informed me I owe them {$140.00} that has since been withdrawn/overdrawn. How did this happen? If it was at XXXX dollars, did bank fees cause this? More fraudulent charges? They ca n't tell me why, they are '' looking into it ''. To add insult to injury, I received a new debit card with the chip in the mail which I called to activate because it would n't work at an ATM. Customer service assured me that they activated the card. So I go grocery shopping and go to pay and the " transaction is not approved ''. I could n't use the new debit card as a credit or debit card. After 1.5 hours on the phone with XXXX different customer service representatives they believed I would not have any more problems. However this debit card was issued for the compromised bank account I thought I closed over two months ago. Needless to say the PIN number did not match and now they have to send me a pin reminder. Apparently today after another 45 minutes speaking with customer service that is what the problem is. I do n't believe any of them. And citizens bank is still claiming I owe them {$140.00} in order to close the other bank account. Is n't a bank suppose to protect your money and help their customers? I feel like between the XXXX branch that originally " closed '' my compromised account and card services that issued me a new debit card for an inactive, compromised and closed account what are they doing??? I do n't make a lot of money and yet they keep taking more and XXXX me!!! I have lost all faith in this institution and ca n't wait until the last couple of bills I paid clear so I can CLOSE my account and get out of there. I wonder how much money they take from people that are n't paying attention. These people are crooks and this is a crime! Citizens bank is awful, do not bank with this company!!!!!! There are so many banks out there, I am sure I can find one that is willing to protect their customers.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act the following Accounts, have violated my rights. 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 an account without my written instructions. 15 U.S.C 1681 ( 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. 1681-2 ( 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. I've been a victim of identity theft and never applied for any XXXX XXXX XXXX XXXX on Experian.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IL)

I received a collection notice from Enhanced Recovery Corporation, XXXX regarding a debt that is not mine from XXXX XXXX in the amount of {$2400.00}. I have never had an account in my name with XXXX XXXX. I checked all XXXX credit bureaus XXXX XXXX and all do not show this alleged debt. My credit score is XXXX and I am concerned that this action will affect my excellent credit score.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Hard inquiries by these following companies I will list underneath broke the law according to the FCRA [ Farir Credit Reporting Act ] " NOTHING CAN BE FURNISHED ON YOUR CREDIT REPORT WITHOUT YOUR CONSENT IN WRIGHTING
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSWORLD SYSTEMS INC (NY)

I agreed to a resolution regarding a disputed XXXX XXXX account ( XXXX ) for the sum of {$4800.00} payable in monthly installments of {$300.00} in the first month and {$190.00} per month thereafter until {$4800.00} was paid. Agreement was reached with XXXX XXXX XXXX XXXX ( XXXX ID XXXX ) who claimed to be working on behalf of XXXX XXXX. The Nationwide Credit representative, and the written confirmation of that agreement, called for monthly ACH debits to be initiated by Nationwide Credit from the Bank Account I provided for the first payment. This was repeatedly confirmed with the representative. 

The First payment of {$300.00} was indeed processed on XX/XX/2022 and I expected the second installment to be processed on XX/XX/2022. It was not. 

I called to inquire as to why the payment was not debited on Monday XX/XX/2022 but Nationwide Credit 's office was not open. I left a voicemail but received no return call despite leaving a phone and ID number per their instructions. I called again on XX/XX/2022 and was advised that XXXX XXXX no longer has the file and the representative refused to discuss the matter further. 

I expect XXXX XXXX to honor the agreement made by their representative and initiate the installments on a monthly basis as required and only for the settlement amount. At present, XXXX XXXX ( either by their own action or their agent 's ) breached the agreement and should not be permitted to benefit by virtue of their breach.
Consumer complaint received 2016-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (DC)

I am being contacted by cellphone number and mail from ERC and XXXX about an incorrect information about phone account and I wish they would get a life and leave mines alone because I do n't bother anyone who wants not to be they call my family and friends that are going to be a problem with calling my grandma I been told you to leave me and my family alone about account you bought for less than {$30.00} or even XXXX dollars
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have reached out to Experian several times with regard to incorrect addresses and phone number information on my credit report. They refuse to update my personal information to show my one and only correct address and phone number on my credit report. This is a big concern for me due to the fact that I was previously a victim of identity fraud. Therefore, incorrect reported addresses opens up the doors for that to happen to me again. I sent them a letter on XX/XX/2022 and then again on XX/XX/2022 asking them to correct my personal information. I also called them in the past to update my information and they failed to update it as well.
Consumer complaint received 2022-06-22
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. (PA)

I looked on my credit report and saw there's a bankruptcy being reported without my consent. I have a right to privacy. This unauthorized reporting has caused me financial damage and great stress! I was recently denied approval of a XXXX  due to this intrusive reporting! 

XXXX XXXX XXXX  XXXX XXXX : XXXX Equifax is also in violation of 15 USC 1681 ( a ) ( 4 ). A consumer reporting agency can not furnish any information on my consumer report without my written instruction.
Consumer complaint received 2016-05-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (IN)

I filed for bankruptcy XX/XX/XXXX. I reaffirmed my mortgage through US Bank Home Mortgage and they deleted one of the only good standing accounts I had on my credit report. This is not fair. I 've been paying every month since XX/XX/XXXX which was my first payment. When I called 2 months ago I was told they would investigate but nothing has happened. I want it back on my credit file in good standing as it has always been.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

M account was charged XXXX on XX/XX/year> witout my premission and Bank of America allowed it plus it was no money in my account fr the XXXX to come out and they still charged to my account now my account is in the negative XXXX shouldnt been charged to my accounts cause I dont have XXXX in ther so basically am in debt wit the bank now cause they paided a bill i didnt ask or give premission to pay I have reached out to XXXX XXXX still have got any help frm them I need help
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My credit card information was compromised and my card was cancelled. I went into my card 's site and there was nothing to indicate that. I called and was told what had happened. My complaint is twofold : 1. there should be a special statement used when your card is declined so it is clear that it is not your fault. It was embarrassing and not the way to treat a customer who pays in full and on time every month. 2. My credit card company will not or can not tell me the name of the retailer. I feel that I am more than entitled to know what company failed to protect my information.
Consumer complaint received 2016-02-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (FL)

I want to get my last name changed back to my maiden name with US Bank Home Mortgage. I currently have a mortgage through this bank. I was legally divorced on XXXX/XXXX/XXXX. I called US Bank in XXXX XXXX and notified them of my request. They mailed me a name change packet and requested documentation. I filled everything out and mailed it back. Since I did n't hear back from them, I assumed the name change had taken place. In XXXX XXXX, I received a copy of my annual escrow account disclosure statement and noticed my last name was still my married name. I called them to inform them that the name change had not taken place. They stated they did not have a copy of my final divorce decree. I asked them to look into the documentation that I submitted because everything was in the same packet so if they received all of the other documents, they should have the divorce decree. I did not receive any further follow up phone calls or emails to notify me of the results of the search. I called again on XXXX/XXXX/XXXX and they stated they still did not have the copy of the divorce decree so I faxed over the copy to the fax number that they provided me. I continued to call to verify they had received the document. I was told that it takes time for the bank to receive the information and then update my account. I called on XXXX/XXXX/XXXX and was told they still had not received the divorce decree. They gave me another fax number which I faxed the document to. I called on XXXX/XXXX/XXXX and they confirmed that the document was received but it takes 7-10 business days to update my account. I called again on XXXX/XXXX/XXXX, which was 10 business days and was told the account was still not updated. This time, the person I spoke with called another person to check on the status. She informed me that there was no documentation as to why the name change had not taken place and that this person would call or email me. I never heard anything back from anyone as of yet. I am writing this to ask for assistance in getting US Bank to change my last name to my maiden name. I have made at least 20 phone calls since XXXX XXXX and I still have not been able to resolve this. There has been no communication from the bank to me, NO COMMUNICATION, I have current email and phone numbers with them. I need to file my taxes and can not do so because they have the wrong last name. They also sent me a refund check on my account, which I can not cash, as the check has my married name listed. Please help.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have made several attempts about a charged off account from Citizens one ( RBS ) bank. As this account has constantly been inaccurate, they are consistently destroying my credit report with unfair credit reporting. They have changed the information on the credit report XXXX different times in the past year alone, each time furnishing inaccurate and untrue information. I have disputed this multiple times with the credit bureaus. Further, they had a debt collector, XXXX, call my home an harass me at all hours of the night. Further they used inappropriate language telling me I am a " scumbag that does not pay my bills. '' They then threatened me that if I did not pay they were going to freeze my bank account and get me locked up in jail. The man I spoke to refused to give me his name and started to name all my family members insinuating that my family would be at risk if i do n't pay. 
XXXX XXXX 's address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX according to XXXX. 
Further, I 've attempted to contact the company to remove this debt, but the only information I 've received from the credit bureaus is a phone number that is inaccurate. I 've been harassed and my credit worthiness has been hurt by this! I am including a snapshot of the phone number that they are reporting, which gives a disconnected line every time you attempt to call.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

The Credit bureaus stated that account XXXX XXXX # XXXX was properly investigated, but how is that possible if the account number is inaccurate, the high balance is inaccurate the date of last activity is inaccurate, closed date is inaccurate and late payments are inaccurate. This ground for removal they have also violated my rights under 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 2022-06-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

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 : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (NY)

My XXXX XXXX XXXX only shows up / reports to only XXXX since XX/XX/XXXX. Not reporting to the other 2 credit bureaus * XXXX XXXX Experian*. 

XXXX XXXXXXXX XXXX XXXX XXXX has tried multiple times to insert the account to XXXX and Experian since XX/XX/XXXX. 

Account # XXXX Credit limit {$23000.00} Date of open XX/XX/XXXX Consumer status - Open Balance - {$0.00} Responsibility joint
Consumer complaint received 2016-12-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (PA)

Us bank located at XXXX XXXX in XXXX XXXX XXXX recently opened up some financial service in my name and private information. I am being forwarded recent letters from an address in XXXX in 2013 stating my accounts are active and to contract them immediately due to usps address change. They also sent emails which were forwarded to an investigation company where I learned that the account has been closed yet they are unaware as to whom is contacting me from the bank. I had a team of investigation on the phone mediating contact.And they kept trying to get more information from me
Consumer complaint received 2022-08-16
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. (LA)

Equifax/Equifax Credit Bureau sent letters stating they are unable to find my file. This is fraudulent because I call XX/XX/2022 and XXXX was able to verify me and pulled my file. I also applied for XXXX in XXXX and Equifax/Equifax Credit Bureau was the credit agency they reference and Equifax/Equifax Credit Bureau provided XXXX with my file with no problem.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX/XXXX/16, a sales rep from American Express came into my store and presented me with an offer of a credit card. Since my business very much depends on the XXXX season, I told him that the only card that would work for me would be one I could pay out monthly. He assured me that the card I would get would be what I needed. I got the card and proceeded to spend {$10000.00} on merchandise for my store. When the bill came, I noticed that the total amount was due, with no option for a minimum payment. I called the rep and he said, " Just call them and they will fix it, they do it all the time ''. So I did. Unfortunately, they did not fix it and told me they could not fix it or transfer my balance to a card that would be better suited for my business ; that a monthly payment was not an option for the card I had and too bad for me. Amex would not let me make payments online or with a check ; they insisted I give them my checking account number so they could take the money directly out of my account. I was uncomfortable with this, but felt I had no option if I did n't want to be reported to the credit bureaus. I called 3 or 4 times, but not until I mentioned your agency would they consider not taking {$2500.00} every Friday from my account ( which I did not have ). At that point, I spoke with a supervisor and she put my account on hold until XXXX, at which time I will have to pay close to {$5000.00} more ( I have already paid {$6000.00} ). I was lied to by the sales rep, even though he knew I would not be able to pay the bill until XXXX. I have not been able to pay my XXXX rent because of this deception and my landlord wants his money, too. I am afraid that if my XXXX sales are not what I expect, I will be evicted from the XXXX. I would never have gotten the Amex card had I known the stress it would cause.
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (IL)

I was in a Contract with XXXX when i decided to take XXXX offer to buyout my contract. I gave XXXX my XXXX phone and received my new XXXX activated phone. I followed the directions of paying my last bill. After paying my last bill i was to bring in a bill to XXXX of how much I owed to XXXX for the phone ( {$540.00} ), which i did bring in this bill. After i brought the bill in the bill and other paperwork was immediately faxed to a XXXX agency responsible for paying that bill. Two and a half months have went by and I start to get calls and and a letter from " Credence XXXX. '' I went in and talked to XXXX and they said that the company responsible for paying XXXX bill had, for no reason stated, not done any further action towards paying thus bill. XXXX employees stated that their company responsible for paying my contract switch bill would send me a credit card in the mail to pay it with, i have not received any such mail from XXXX or their company regarding this issue. I gave them my phone which is the reason for the bill i do not have the XXXX phone anymore. I tried contacting the Credence company and they insist that I immediately pay the bill that I should n't owe. I 've read that Credence is a Scam company.