davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
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: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX, I received a text from Citizens Bank ( XXXX ) stating " FROM CITIZENS BANK : For account ending in XXXX : Did you attempt a debit of {$250.00} at XXXX XXXX XXXX XX/XX/XXXX? REPLY YES/NO/HELP '' I responded " NO '', and immediately called Citizens Bank. I spoke to a representative, and was told I received the text by mistake. I requested to speak to a manager, and the manager told me the same. When I asked the manager how I could trust Citizens Bank when I was receiving the wrong texts related to fraudulent transactions, she put me on hold. When I was placed on hold, I received a call from Citizens Bank ( XXXX, badge XXXX ), who explained that the fraudulent transaction was, in fact, attempted, but blocked. He also found another fraudulent transaction in process. XXXX did a great job.

However, it should be noted and reviewed that the other representatives 1 ). did not know what they were doing, 2 ). told me that I received the text from Citizens bank by mistake, and 3 ). provided no useful information to resolve the issue. If I did not speak to XXXX, I would have had additional money stolen from my account due to their poor training and bad customer service. The calls are recorded, and should be reviewed.

Overall, the customer service of Citizens bank has declined. They are clearly not appropriately staffed to handle their clientele given the amount of time you need to wait to speak to a customer service representative ( the wait is normally never below 10 minutes ), and the staff is not properly trained.
Consumer complaint received 2021-03-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Butte County Credit Bureau (CA)

I was given a summons in directly they gave it to the receptionist at my work who in turn eventually gave it to me. Then they went ahead and proceeded with the judgement against me and then a lien and a writ of execution. This debt is more than 10 years old. I believe the original debt was like two thousand and {$3000.00} and now they're saying it's almost 10 thousand after collection fees and interest accrued daily. I just lost my home in the camp fire couple years ago and I have received a work comp settlement and I'm concerned that they're going to go ahead and renew their writ of execution in judgment and try to freeze my account.
Consumer complaint received 2021-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Starting on XX/XX/21 I contacted the three major credit bureaus and notified them that I had several inquiries on my credit report that I did not notice or authorised. I called the credit agencies and requested that these inquiries be removed from my credit report and that a fraud alert be placed on my account. TransUnion did not remove any of the XXXX increase XXXX  and XXXX only removed four to five of the inquiries.
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

On XX/XX/2021 I received an email from Fifth Third Bank stating " We're reaching out to let you know that your account ending in xxxxx requires prompt attention. '' I called and was told Fifth Third wanted to provide a " friendly reminder '' that my mortgage payment had not yet been received. I asked whether I was in default, which the representative denied. I was also informed I had until the XXXX of the month to pay without any late charges being assessed. I requested that Fifth Third refrain from providing such reminders in the future. 
On XX/XX/2021 I received a phone call from XXXX from someone claiming to be from Fifth Third who asked for personal information to verify the identity of the call recipient. I informed the caller I was at work, and declined to provide the requested information since I could not verify the true identity of the caller. 
While at work on XXXX XXXX I again received a missed call from the same number. 
Then again, while at work on XX/XX/2021 I received a call from the same number, again requesting personal information to verify my identity. I again declined to provide the information. The individual informed me they had urgent information about my Fifth Third account and that I needed to call the company immediately. 
I returned the call about 30 minutes later and asked the representative to record the call and provide me a transcript. I asked why I was being repeatedly contacted by Fifth Third while at work. I was informed the Collections Department was providing " friendly reminders '' about my mortgage account, although it was not in default. I asked why I was continuing to receive these calls when I had specifically requested not to be contacted with reminders. The representative was unable to provide a reason and offered to refer me to the Collections Department. After a lengthy hold, she informed me she would again process the request not to be contacted. She also refused to provide a transcript or recording of the call, stating those are available for internal use only. 
I would like Fifth Third Bank immediately stop the predatory and deceptive practices of unnecessarily contacting me, creating alarm about the status of my mortgage, and threatening me with action about my account because I refuse to provide them personal information any time they choose and in any manner they deem appropriate.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank closed my account on XXXX XXXX without calling or sending an email to me ( I logged in the user page after noticing that and there was a letter sent to me ). Since I moved to a new address, I started writing letter to Citibank back office to request resend a closeout check with my remaining balance ( {$11000.00} ). Every month I've been trying to call to request an update on my issue. Every time I called, a representative asked for my phone number and email in order to reach me out later. BUT I didn't receive any update till now. ( XXXX. XXXX ) I have called at least ten times trying to properly request my money back, and I failed. I feel really hopeless and frustrated, is that how company treat costumers?
Consumer complaint received 2021-03-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

This is not a DUPLICATE, I have included new documentation. 1st contract that I was issued for your review. 
It's certainly clear that this credit application is fraudulent. Not my handwriting or signature or monthly income. You stated that proof of income was not a stipulation, well then how did you expect for me to pay for the loan? I am on a fixed income and XXXX. As I stated before obviously the dealer altered the application. I did speak to several call managers the results were still the same they said the information had been emailed. I have attached a copy of the 1st contract@10.50 annual percentage rate. It's worn a little, but you can do the math. I tried reaching out today XXXX to speak to someone to resolve the issue, got hung up on once again.
Consumer complaint received 2021-03-04
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. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-03-04
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. (FL)

I remember losing my wallet a few years back. I recently was looking to get a house with my husband. The lender told me that I had some accounts on my credit profile that needed attention. They listed a few of them and I do not recognize them at all. On XX/XX/XXXX, I pull my credit to see what they were talking about and come to find that those accounts were not authorized by myself. I contacted the credit bureaus to inform them of the incident and they told me to reach out to the FTC and get a report drafted from them. I have attached the FTC report along with my Driver 's License.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021, I made a mobile deposit with a Company Check number XXXX to a personal Checking account for {$1500.00} within Wells Fargo Accounts. The check was withdrawn from the business account on XX/XX/XXXX but was never credited to the personal checking account. 
I sent several emails asking for help or a solution to this problem, I called them several times and spent hours with different customer service representatives. I had an appointment at the bank with a banker but no answer to this mobile bank app mistake has been given to me, and the money ; today has marked 20 days and it still has not even been temporarily credited to my account having proved that the evidence is showing that the mistake is on their side. 
Today I received an email from a Bank Manager in the Complaint Department telling me that the case was closed without any explanation, and again, without crediting my account with the {$1500.00} and knowing that the Wells Fargo Bank took the money on the XXXX of XXXX. That's when I decided to ask for help in recovering our money from the Wells Fargo bank.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A payment was made on XXXX XXXX by a friend they paid off the full balance XXXX the payment went through my credit was available. Capital One approved the amount. I started using my credit card. On XX/XX/XXXX the payment was return I called my bank and they stated the person called their bank and cancel the payment saying it was fraud. The person made the payment by themselves they shouldnt be able to call and says its fraud if they were the one that made the payment so now my balance is over its limit XXXX and other pending charges keep going out. I try contacting the person they not responding. I didnt call their bank I have a XXXX job. This person made the payment themselves with their own account. I dont have access to their account. They are closing my account but said I need to pay the balance
Consumer complaint received 2022-09-14
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. (FL)

In accordance with the Fair Credit Reporting act Source Receivables XXXX XXXX XXXX  ) Account # XXXX and XXXX  account # XXXX has 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 a account without my written instructions
Consumer complaint received 2021-03-05
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. (NV)

Fifth request : On several occasions, the last being XX/XX/2021, sent via certified mail, I submitted disputes to Experian, regarding fraudulent account XXXX XXXX XXXX  reflecting on my credit report. On my XX/XX/2021 letter, I asked again, for Experian to provide me with all methods used to verify/validate ownership of this fraudulent account. They did not do so again, which is a violation of my rights. Experian also continues to actively report on this charged off account, which is also a violation of my rights. This is formal notice that I want mailed to me ALL documentation of the methods Experian used to verify the accuracy of this fraudulent XXXX XXXX XXXX account, within 15 days, as they have failed on several occasions to do as requested. This unverified item remains on my credit report in violation of Federal Law. I am prepared to take legal action. Experian is required to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Experian must properly validate these things as the furnisher of my credit report. Experian has not provided me a copy of ANY original documentation required. Because of this, Experian ) is required to " promptly DELETE all information which can not be verified. '' Secondly, I want to know why Experian is actively reporting monthly on this fraudulent charged off account?? The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance. '' I demand that the XXXX XXXX XXXX  account be accurately verified or deleted immediately.
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

By the provisions of the Fair Credit Reporting Act, I am sending this request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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
Consumer complaint received 2021-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to Continental Credit Control. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item Continental Credit Control is inaccurate because the balance was paid to the vendor and 2 months before they contacted the credit bureaus. This is totally illegal as I received nothing from them and have tried on numerous accounts to contact them and they have not responded. For a few lousy bucks they received, or didn't, they affected my credit and didn't contact me ever. I am requesting that Continental Credit Control have the item removed. It is invaid and incorrect, they have inflicted fraud on my account. 
Enclosed are copies of my credit report and payments made supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX : ID, CR, and paid invoice to Vendor paid in XXXX.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX is reporting a reposession to my report ... .By law EVERYTING should be reported 100 % accurately or it has to be deleted from my report by law ... .I have contacted them as well as all 3 bureaus 6 times to validate/Verify this account and no one can ... XXXX therefore deleted this account from my report and my understanding is that by law XXXX and equifax should do the same as this cant be validated ... they have yet to do so and i demand they do it now ... .There are multiple errors in the reporting which i have pointed out to them in the past and they have done nothing .... 

Monthly Payment : XXXX reporting {$0.00}, Equifax {$390.00} No. of Months ( terms ) : XXXX  reporting 78, Equifax XXXX Payment Status : XXXX reporting Repossession, Equifax 60 days late Date of Last Payment : XXXX reporting XX/XX/2016, Equifax XX/XX/2016 Date Last Active : XXXX reporting XX/XX/2016, Equifax XX/XX/2016 Look at the 2 year history on the bottom they do not match between bureaus ... .XXXX is actually reporting a late pay after a reposession..smh
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I recently checked my credit report and notice a balance of {$600.00} reported by your company. It was the balance of the car loan minus what GAP insurance should have paid.

I called your company and told them I didn't owe the balance. They said they didn't pay it because they thought I had a dui. The case was thrown out, I was never convicted of this dui. I sent a fax of my court documents to prove this. This account still appears on my credit report. I need this balance payed at once, and it removed from my credit report, or you are civilly liable according to the Fair Debt Collection Practices Act for willful noncompliance.
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (IL)

My wife went shopping at Best Buy, at the check out the check out person asked if she had her rewards card, my wife replied no thinking it was common practice to give the cashier your phone number to receive what ever discounts were available. Cashier asked her phone number and her address but when she politely gave her ssn number she caught herself a second to late. When she came home and told me about it I said something was n't right. After being warned never to give out to much information she was worried. Sure enough, we called the store the same night, only about 1 hour later and found out she was to receive a credit card. She did not want it so she denied she applied for credit and asked for the process to stop. Store insisted that they could not reverse the application and it had already went through. I checked our fico score only to find out that not only her credit was affected but mine as well for a closed account. We called again asking how did we close a account which we never receive a card or applied for XXXX all in a manner of 1 hour of time. But they did not want to help, I found out that the cashiers are pushed to open new accounts. I was n't even there and my credit score got hit by XXXX points for closing a credit card.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC (VT)

I received a letter from REVCO Solutions dated XX/XX/2021 which stated this was communication from a debt collector. The letter included my name, the creditor name, the creditor account #, service date, and balance. The letter did not include a statement of my legal right to request for verification of this debt. I have not receive any other communication from this debt collection agency about the right to request debt verification.