davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (PA)

( a ) IN GENERAL : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report only under the following circumstances : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681- Fair Credit Reporting Act : ( a ) Accuracy and fairness of credit reports : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

List of Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 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 related to any transaction by the consumer.

Enclosed are all relevant documents pursuant to the above section of the law. I demand that all the aforementioned fraudulent accounts be deleted immediately. Additionally, I demand an updated copy of my consumer file reflecting these changes, as stated by 15 USC 1681c-1 ( 2 ) - Access to free reports.

15 USC 1681c-1 ( 2 ) - Access to free reports : In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall : ( A ) Disclose to the consumer that they may request a free copy of their file pursuant to section 1681j ( d ) of this title.

Be advised that I will CC : The Bureau of Consumer Financial Protection ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX ( XXXX  ) The Attorney General 's Office in your state and mine Thank you, XXXX XXXX Enclosures : Copy of ID Utility bill showing proof of address Copy of Social Security Card FTC Identity Theft Report
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica (TX)

I have been contacting Comerica Bank for the past 3-4 weeks attempting to close my bank account. Initially on XX/XX/2021 I called to close the account after having paid it to a XXXX balance. I was advised the account could not closed because that payment was still pending. I was advised once it cleared the account would be closed. I informed them Id like the account block from further charges because it had been compromised at which time they informed me they was not possible but they didnt see any upcoming/pending transactions. On XX/XX/2021 I logged back in to find the account still open and negative for approximately {$120.00}. I immediately called and was placed on hold while the previous call and account notes were reviewed. The representative returned and advised she was completing a form to have the account closed and that management had approved the reversal of the funds. She stayed the account would be closed in 24-48 hrs. It is now XX/XX/2021 and the account remains open and has now been assessed Extended Overdraft fees and has a negative balance of {$130.00}. They are now advising that the account cant be closed and Im responsible for the fees. Theyve also indicated they will research the matter more. Im fearful this issue is not going to be resolved, I will be held liable for the fees, and my credit will be impacted. Please assist!
Consumer complaint received 2021-10-08
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 XX/XX/2020 an derogatory account was reported for {$9900.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) A. I am in desperate need of this account being removed.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX placed a collection account on my credit and sent me a bill in XX/XX/2021. 

I did not recognize this account/original creditor as it was for a retail card ( A Store Card which I actually have, but is issued by a bank other than the one this company represents. ) On XX/XX/2021 I submitted a debt validation letter, specifically the one found on the cfpb website requesting proof this debt was mine I received back from Midland Funding a copy of several " bills '' or statements showing my name but a different address. They DID NOT provide proof of ownership as I had requested in the cfpb letter - ie. a signature on an application. 

On XX/XX/2021 I wrote back to Midland Funding an offer to settle the bill to be rid of it, even though I do not recognize it. The offer was not accepted and Midland Funding has again contacted me demanding payment for the account. 

On XX/XX/2021 I wrote to Midland Funding again, explaining that they have NOT provided proof of ownership of the account and as such, I request that they stop contacting me and remove their entry from my credit reports. 

They have failed to remove the collection account or prove it was in fact my account. I request assistance in pursuing them for unfair practices.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, I entered Citibank in XXXX XXXX, CA and deposited a USD check drawn from a XXXX XXXX  for {$53000.00} into my checking account. I alerted the teller that the check should go through freework or collections. I anticipated up to a 1-month lag in being able to access the funds. At the time, I had around {$800.00} in this account. 
On XX/XX/2021, I checked my account online and saw that it was overdrawn by {$37000.00}. In the interim, I deposited an additional {$800.00} into the account, for a total of {$1600.00} of funds. 
On XX/XX/2021, I called Citibank and was told that there was an adjusting error that would be corrected within hours, and that I had {$1600.00} of funds available. 
On XX/XX/2021, I was now overdrawn by {$36000.00} and a check for {$240.00} that I had sent through the online banking system on XX/XX/XXXX was canceled due to lack of funds ( even though I had {$1600.00} on deposit ). I again called Citibank 's help number, and was told that the branch was at fault for withdrawing an unauthorized amount from my account, presumably in an error related to my depositing a foreign check, and that only the branch manager could assist me. I then called the branch directly, and I was told that no manager was available for the foreseeable future. I was not permitted to make an appointment to speak with the manager at a future date. 
I do not have access to the {$1600.00} I have on deposit, and I am being told that I owe the bank {$36000.00}, with no explanation given for why. My checks are bouncing due to this error, and I can not pay bills or access my account.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

These aggressive, and I'd say unethical, debt collectors continue to call my home phone number, though I have contacted them directly on their website, through the XXXX XXXX XXXX, via CFPB, and by written cease-and-desist letter. They are apparently trying to contact someone who USED to have my phone number, but no longer has, as I've had this number for nearly 3 years, and am not in default on any debt. By their own admission, they do not have an account in my name, yet they will not remove my home phone number from their database. My next step will be to contact the Attorney General for my state. I've reported every call of theirs to the FTC, but the calls continue.
Consumer complaint received 2021-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent 2 letters to Transunion. the first dated XX/XX/2021 and the second XX/XX/2021. I have not received a response to my letters and today is XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (NY)

On XXXX of 2020, I reached out to XXXX regarding my credit card ending in XXXX & made a payment over the phone. At the time my account was a few days past due ( but less than 30 days ) so I incurred a late fee, which they were nice enough waive. I inquired if they offered a hardship program, they offered a 3 month deferred plan which I accepted. A few weeks later, I got an alert from a credit monitoring service ( XXXX ) notifying me of a late payment reported on XXXX of 2020 by XXXX. I called them immediately and disputed the late payment, they told me it was a mistake & it would be removed. Till this day when I call they agree to the situation but can not send me a letter to the removal of the late payment. I was enrolled in a hardship program with them that was 3 months long. All these conversations were on a recorded line. I don't understand why all the trouble. My credit since then has dropped and it has been difficult to obtain a mortgage. Pleae help me remove this late payment. Other than this I have exceptionable payment history and would like it to reflect as much. 
Thanks XXXX XXXX
Consumer complaint received 2021-11-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AZ)

On XX/XX/2021 I went for a loan at title Max on baseline in XXXX to take a title loan out on my XXXX, then offered {$750.00} on a car that I paid {$20000.00} for. I made my first payment yesterday of {$110.00} and they are saying I still owe {$760.00} on the loan charging a rate of 179 % apr and 14 % monthly interest. This way I would end up paying them {$2800.00} on a {$750.00} loan over a period of 23 months. This is predatory lending! I would never get it paid off this way they arent applying the money Im paying towards the principal, only to the interest which they are charging, which is more than the Arizona law states they are allowed to charge
Consumer complaint received 2021-11-04
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. (WA)

I have previously disputed with XXXX, XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-11-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nickel City Group LLC (FL)

On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX " employees '' XXXX?? contacted me about a debt that I owe. After trying to ask numerous questions about the Debt and your company she got rude, ugly, nasty, belligerent, screaming and using ugly language to me and talking to me like I am just XXXX. She also gave all my personal information out to someone who called on my behalf without any consent on file. Please contact me please and thank you. I have filed a formal complaint with them but what if this lady is in the chain of commands and gets ahold of my report. I do not want her treating anyone else like she treated me.
Consumer complaint received 2021-11-04
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)

I have previously disputed with transunion, experian and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XX/XX/2020, I was on a forbearance plan with Citizens One. They offered me a loan modification to put my missed payments on the back of the loan. I called every month because my bill did not reflect that the payments had been put on the back half off the loan yet. I was assured every month that I was approved and even received the {$250.00} gift card for XXXX that I was promised in the letter in XX/XX/2020. In late XXXX, I received a letter stating, that Citizens had made a mistake and that the terms of my current loan did not allow for the modification. 
I am wondering if, this is legal, and also why did it take 9 months to deny me. Also, I have been told that this is normal to happen, and that ( after 9 months of thinking I am ok with payments ) I now owe {$12000.00} to catch up my mortgage. I was given the option to re-apply for a modification ( which I did ) but I have heard nothing still. I have called several times and can not seem to find anyone that cant tell me what is truly going on. 
Citizens loan # XXXX Estate of XXXX XXXX, C/O XXXX XXXX XXXX XXXX have also sent them al documentation showing that I am executor of the Estate etc )
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of the data breach & identity theft within 4 business days of you receiving this complaint. These addresses XXXX XXXX XXXX XXXX Mi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX, These accounts are inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX These accounts have resulted in several breaches, & fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, data breaches, identity theft, and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and are the result of a data breach and identity theft.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certegy Holdings, LLC (GA)

XXXX XXXX XXXX. 

XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX Dear Customer Relations : XXXX XXXX XXXXXXXX I XXXX XXXX, am addressing this correspondence to your Department regarding and incident and service that occurred at your XXXX XXXX XXXX XXXX # ( XXXX ) in XXXX, GA XXXX on XX/XX/2021. Upon initially entering your facility, I proceeded to your appliance area, whereby looking for a sales associate to inquire about the XXXX Refrigerators. Not alone, others and myself waited for a brief time after another associate ( a custodian ) had a page implemented for help to assist us. 
Approximately and additional twenty minutes went pass when the Manager arrived and apologized for the wait. She then appointed a young man to assist myself and the gentleman waiting on your cash and carry product appliances for his rental properties. My dilemma begins after inquiring about the XXXX XXXX XXXX he informed me that delivery would take place between XX/XX/XXXX or XXXX of the month. He then entered the computer and placed the order in the appliance department and there after we proceeded to the customer service area where I then wrote to your establishment a check # XXXX for the amount of {$2400.00}. at approximately XXXX XXXX 
Upon arrival at home, I began to look at the receipt of sale and noticed the model number did not coincide with what I had been viewing on the website of other stores within the area XXXX, XXXX XXXX etc. Upon going to the XXXX site, I then come to the conclusion that the wrong product had be ordered for my household. Upon returning to the store to correct the discrepancy on XX/XX/2021 I encountered XXXX XXXX and associate in the appliances area and she began to attempt to locate the order from the receipt and informed me that I would need to go back to your customer service department and get a refund. Upon presenting my request to the attendant in that department, she informed me that the check # XXXX had already been submitted and that I would have to receive a refund in appoximedtly five seven business days after the cancellation of the order. 
Instead to avoid another trip, I then contacted my XXXX XXXX XXXX XXXX and initiated the stop payment on XX/XX/XXXX on that morning after speaking with customer service. That brings this matter to your collection Department Source which I have no relationship with prior to this ordeal. 

XXXX XXXX XXXX XXXX... PLEASE I look forward to speaking to someone from your department. My contact information is email and telephonically XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (TX)

Around XXXX of 2020 Netspend decided to hold my account hostage with {$4500.00} than demand I send in bogus documentation only to no resolve. They then used scare tactics to threaten me but when everything they requested of me was submitted they decided that my account was linked to a PayPal account that was in arrears so theyre keeping the money to offset that with no documentation provided whatsoever. This is fraud. Theyre scamming people. Please help.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Social Finance, Inc. (TX)

I enlisted XXXX to assist me with credit card relief/negotiations. One organization they are helping me with is SoFi. I have two loans through them. 

On XX/XX/21 I sent Sofi two certified letters requesting they cease communication with me save for the US postal service. The letters also instructed them that I am working with XXXX to settle the debts. 

Starting on XX/XX/21 XXXX has called me 3 times a day, 6 days a week, at approximately XXXX, XXXX, and XXXX. These calls still ongoing as I write this complaint on XX/XX/21. This, to date, is XXXX phone calls just to me in addition to at least 7 calls to my wife.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX - CARD SERVICE Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ;