davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

Dear CFPB, I am writing to file a formal complaint regarding my recent experience with Citizens Bank while attempting to close my online savings account and obtain a 1099 for the year XXXX. My issue stems from a wasted afternoon spent trying to get through to the correct person to complete this process. 
On XX/XX/XXXX, I made multiple calls to Citizens Bank 's customer service. Each time, I endured lengthy wait times of over 30 minutes, only to be placed on hold again for another 30 minutes or longer. The frustrating part of this experience was that on two occasions, I was fortunate enough to connect with a representative, but the calls were abruptly disconnected before I could resolve the matter. 
This prolonged and unproductive process not only wasted a significant amount of my time but also caused undue frustration and inconvenience. I have made diligent efforts to close my online savings account, but the bank 's customer service has not been able to provide the necessary assistance. 
I kindly request your intervention to help expedite the closure of my online savings account with Citizens Bank and to address the issue of excessively long wait times and disconnected calls experienced during this process. 
I have documented my attempts to resolve this issue, including dates and times of phone calls and any interactions I had with Citizens Bank 's customer service. 
Thank you for your attention to this matter, and I hope for a prompt resolution to my concerns. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (WA)

I attempted to withdraw {$200.00} from atm at XXXX XXXX XXXX in XXXX on XX/XX/year>. No money was dispensed but account was debited {$200.00} total. 

I filed a dispute with Paypal Debit card on XX/XX/year> and it was abruptly closed on XX/XX/year> and they said that a credit was already provided which it never was. I still have not gotten my {$200.00}
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (OH)

On XX/XX/23 I woke up to my accounts being drained by what seemed like a fake merchant. My checking account had 4 transactions for a total of {$870.00}. My credit builder had 4 transactions for {$710.00}. None of these merchant names were familiar and were international charges. I proceeded to call chime and file a dispute, explaining to them what happened. They filed the dispute and told me to reach out to the merchant, and shortly after it was declined. I filed and appeal and requested investigation documents and merchant information since I have no way of contacting them since I cant even pronounce the merchants name and nothing was coming up on XXXX. I also asked for the documents that were used to determine why my dispute was denied. A few days later I received the documents and the denial to the appeal. I was emailed one document that was the intake form from when I originally called. There was no investigation done and no added details that I mentioned on the phone added to the form. I spoke to them after receiving them and they told me to apply for another appeal and provide documents like police reports and communication screenshots. There are no communications because there is no way to contact this international merchant.
Consumer complaint received 2023-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (VA)

Applied for a mortgage. The lender stated that I need to settle the medical debts on my credit report. Called the hospital and spoke with the business office they said those debts were not in their system and it may be for XXXX XXXXXXXX XXXX XXXXXXXX. They gave me the number XXXX. I called this company. They could not find any debt in their system. I pulled my credit report, and it states AR Resources. I called AR Resources in FL being that the one in PA was not answering the phone. 
When I called the FL AR Resources, they also could not find any record of my debt. They then gave me a number to a lawyer to contact. Florida AR Resources stated that the PA office is not affiliated with them, and this was fraud to try and collect debt under their company 's name. I contacted the lawyer from XXXX FL. XXXX XXXX phone number XXXX XXXX XXXX. He told me to contact an attorney that specializes in fdcpa cases, and I can sue the PA company for fraud, collecting a debt under a wrong name.

I am requesting all debt be removed from all reports so I may purchase a home. This has been very frustrating and time consuming.
Consumer complaint received 2023-09-07
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. (FL)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX. XXXX  XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-09-07
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. (VA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  XXXX XXXX XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (NC)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC (WA)

They disclosed information about a debt to my son and a persons that identified themselves as my parent. According to my rights, this can not be discussed with anyone except myself, spouse, or attorney. They brought paperwork to my home stating I was being sued for a loan. Again, they did not hand me this paperwork, they handed it to my child and a person that identified themselves as my parent.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

I was in a XXXX XXXX Bankruptcy which just discharged in XX/XX/XXXX. I was notified that there was a delinquent balance on my loan and I asked for a summary of payments, 15 days later I asked again before it was finally sent. I was never notified of the supposed delinquency from XX/XX/XXXX, nor was my bankruptcy attorney.In fact on XXXX/XXXX/XXXX I called in to make my payment and was given a payment amount of {$1000.00} which was represented as the total amount due.I realize the XX/XX/XXXX payment was late but it was paid prior to a 30 day late and it was paid in the amount quoted to me by the lender 's representative. I was also notified in a separate conversation in XX/XX/XXXX with the bankrupcy dept, that I did not make a payment in XXXX of XXXX which is impossible. When I finally receive the accounting of all the payments, it shows a XXXX XXXX payment which was put in to suspense as was the XX/XX/XXXX and XX/XX/XXXX payments. Again I was never notified of any of this and when I became aware I did immediately pay the balance due with assurances that there would be no negative reporting. I have paid the outstanding amounts to avoid a late reporting on my credit while this was being investigated. I contacted the lender 3 separate times and was assured that I would not have a derogatory reporting as I am in the process of working on refinance out of this 10 year IO in which my payment just increased {$400.00} I pulled a credit report on XX/XX/XXXX and there is in fact a late reporting as of XXXX XXXX. I spent 35 minutes on the phone so far with a customer service rep trying to get this corrected. They acknowledge the reporting however they have required me to provide a credit report showing it. This will take weeks from when they receive it and I 'm sure they have records of what they reported so why require me to provide information on what they reported? When I asked to be transferred to a supervisor I was put on hold and 58 minutes later. was connected to a supervisor who found the payments I have made but is still requiring that I provide documentation for erroneous information that they have on file since they are the ones who reported it. This is a blatant disregard of federal bankruptcy law and a blatant lie to me as a customer. My attorney should have been notified of the increased payment if not me, the payments should not have been arbitrarily suspended and the lender 's bankruptcy department should have been fully aware of this.
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XX/XX/2023.
Consumer complaint received 2023-09-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GLOBAL CREDIT UNION (AK)

On XX/XX/2023 I applied for an auto loan and it was authorized. Come time for the first payment on XX/XX/2023, I set up monthly auto payments over the over the phone with a employee of the company " Global Federal Credit Union. They informed me that the auto payment will take one month to process, however I can make my first payment online, which I set up. They told me that I was not going to be able to set up automatic payments online. I was charged twice the second month in XXXX. 

I called them requesting that they correct the issue, which is where they informed me that their automatic payment system is through two entities. I continuously made phone calls to get the double payment corrected, and they ended up correcting it by cancelling both payments leaving me behind one month. When I called another agent to inform them of the error I saw, they informed me that it was nothing and they didn't appear to recognize any issue. Come later I was contacted by another agent stating that I was behind on month 's payment.

I walked into a Global Federal Credit Union and they had a few forms to complete and they completed an autopay enrollment in person with me. To the day of this report on XX/XX/XXXX. I have not seen the money " XXXX '' withdrawn from my account. This appears to be headed down the same pattern of them failing to properly set up the autopayments. 

For a consumer this is stressful and puts my credit at risk while I'm working off the grid for 2 weeks on/off in rural Alaska in a place where I don't have great access to internet. This company " Global CU 's '' poor management and training of their employees after the merge with Alaska USA has caused a giant flaw in their autopayment system. It's likely illegal that they charged my account without authorization and their lack of proper payment processing puts me at substantial risk of damage to my credit.
Consumer complaint received 2023-09-01
Product: Credit reporting 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.

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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer XXXX : XX/XX/XXXX I am filing this complaint because I am a victim of identity theft. Unauthorized accounts and transactions have been opened in my name without my knowledge or consent. These fraudulent activities have resulted in the following inaccurate items being reported on my credit report : The fraudulent activity includes the following items : An Account Opened at XXXX bank # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX # XXXX. 

Nature of Complaint The presence of these items on my credit report is in direct violation of my rights under multiple federal laws. Specifically : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 : As a victim of identity theft, I have the right to have these fraudulent items blocked from my credit report within four business days of notifying the consumer reporting agencies. These agencies have not complied with this requirement.

FCRA 15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. The continued presence of these fraudulent accounts demonstrates a failure to verify the accuracy of my credit report. 

XXXX XXXX ( 15 U.S.C. 6802 and 16 C.F.R. 313.7 ) : I am exercising my right to opt out of the sharing of my personal information. Despite this, these accounts continue to be reported without my verifiable consent.

Privacy Act of 1974 : The mishandling of my personal information, leading to the erroneous reporting of these accounts, infringes upon my right to privacy and the protection of my personal data.
Consumer complaint received 2023-09-01
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. (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.

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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I am a victim of identity theft and there we're two credit card accounts that was opened in my name with XXXX and XXXX  XXXX XXXX. I am contacted both of them several times and ask them to remove this from my credit report because and sent a police report stating im a victim of a identity theft but they still continue to keep reporting on my profile. They forced me to file for bankruptcy because how negatively these accounts have effected my credit report. I will be filing a lawsuit if they don't remove their profile from my credit report.
Consumer complaint received 2020-06-13
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 REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.