davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I took out a car loan with Citizens Bank on XX/XX/XXXX for approx {$36000.00} with a monthly payment of {$590.00} monthly acct # ending XXXX. I was laid off from my job in XX/XX/XXXX and my last payment on the loan was in XX/XX/XXXX. The car was repossessed in XX/XX/XXXX and charged off the same month for {$9100.00} after the car was sold by Citizens Bank. I have a checking and savings account with Citizens Bank and without my knowledge and permission, withdrew {$9100.00} on XX/XX/XXXX out of my savings account to satisfy the charged off account. Most of my income is from Social Security retirement and I have been receiving Social Security since XX/XX/XXXX. I had saved over {$12000.00} during ths time and was in my savings account at Citizens Bank. I thought is illegal to take money from an account if most of that income is dervied from Social Securirt benefits and if there was no activity on on account for at least four years according to debt collection regs. The telephone number for Citizens Bank Asset recovery is XXXX and address is Citizens Bank Asset Recovery XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX. Please see attached docs for additional verification. Please advise if you need nay further information from me. Thank you very much
Consumer complaint received 2020-06-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion did not properly investigate XXXX account. It show as me be late. I was never late. 

Transunion did not properly investigate my XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX XXXX XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and showing on my report. 

Transunion did not properly investigate my Us Dept of Education account. It is closed and showing on my report. 

Transunion did not properly investigate my XXXX XXXX account. It is close and show on my report duplicate. 

Transunion did not properly investigate my XXXX Account. I never had a XXXX account. 

Transunion did not properly investigate my XXXX account. I never had a XXXX account. 

Transunion did not properly investigate my Chapter XXXX. I never had a Chapter XXXX.
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-03
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX   XXXX {$350.00} EQUIFAX XXXX {$360.00} XXXX XXXX XXXX {$830.00} XXXX DEPT OF ED XXXX {$1000.00}
Consumer complaint received 2020-06-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AK)

I've got a mortgage from USAA BANK, serviced by XXXX XXXX XXXX As of late ( past 2 Mont 's ), they charge me 2 mortgage payments in the same month. When I ask to speak to a supervisor I'm being told that they do not have such person this is the case with XXXX and USAA. Do to their action I can't pay my truck payment this month, last time I had overdraft protection through my saving acct, but I discontinued it since they transferred so much money out of my savings that was down almost to XXXX, a lot more that was needed. I feel that they are cheating me on the escrow, charging me way to much money, when I asked about it they got no acceptable answers. I'm a XXXX year old XXXX Veteran with an advanced XXXX  XXXX, living on my XXXX. I can't afford this type of game that these two banks are playing with me. I can't find no one nor place to make a complaint, most of their agents have no clue how the Bank is set up. I would appreciate some help.
Consumer complaint received 2020-06-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX
Consumer complaint received 2020-06-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint : Both XXXX and Transunion Credit Bureaus have failed to verify the account listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ). 

Background : I filed a dispute with both XXXX  and Transunion per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for this account. In my dispute, I also demanded the account be Verified or Removed immediately : Account Name : RECEIVABLE ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Additional Facts : Both XXXX and Transunion received their Certified Letters on XX/XX/2020 ( See Attachment ) Deadline to Provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Neither XXXX  or TransUnion have provided Verifiable Proof that meets the standards of FCRA XXXX and this account still remains on both my XXXX  and Transunion credit reports.
Consumer complaint received 2020-06-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US DEPARTMENT OF EDU XXXX XXXX
Consumer complaint received 2020-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (NJ)

PNC no longer supports XXXX, which is a App that would allow you to invest by rounding up your linked account purchases and using that loose change to invest. PNC does not allow anything that helps or makes life convenient for the customers. They will only help if it helps themselves.
Consumer complaint received 2020-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Company showed up on my credit report without any personal correspondence until afterwards. I have sent 4 letters to the credit bureaus that asked for verification of the debt and haven't received any proof other than the fact that it was " verified '' and will continue to stay on my credit report for the next 5+ years. I wrote a letter to the company asking them to validate the account with a contract between us and they have only sent me statements, the last letter I received after telling them that is not what I asked for was a form to fill out about my identity being stolen, this is definitely not what I asked for. This is the last step I am taking before I have to sue. This is the only debt collector on my credit report and they haven't been able to validate the account with the information I asked for!
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (CA)

On XX/XX/XXXX I found out my CashApp Cash care was lost. I immediately blocked my card via the mobile App, ordered a replacement card, and found out there were 17 unauthorized transactions on my account totaling {$2000.00}. These charges occurred between XX/XX/XXXX and XX/XX/XXXX. 
I immediately contacted Customer Support through the App ( as there was no phone number to contact customer service ). The response was I will be receiving an email in 48 hours. I received an email same day XX/XX/XXXX at XXXX PST requesting additional information about my claim, which I responded to on XX/XX/XXXX at noon. 
On XX/XX/XXXX at XXXX PST I received an email from cashapp support, requesting additional information. I responded same day at XXXX. 
At XXXX of XX/XX/XXXX I received a response denying my claim. 
When I questioned how 17 fraudulent transactions with multiple Merchants could be investigated and concluded in 1 hour 17 minutes, I was told my account has been closed and that I can re-file a claim. 
I asked again, why my claim was denied, and the response was that Cashapp did not get a response from me in over a week. That is not true, because I just explained the timeline and Ive email thread, with time and date stamp. 
I know you cant investigate 17 unauthorized charges from numerous Merchants in 77 minutes!

I also bought 12 company stocks through cashapp mobile app. When I asked whatll happen with my stocks in a closed account situation, I was told to sell my stocks and cash out. It is illegal to force someone to sell their stocks against their will ; and this is what Square as an organization is doing. 
I have since re-filed the claim and cashapp hasnt responded. Thus, making me seek help alternatively.
Consumer complaint received 2020-05-06
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I had a 3 year lease with Nissan-Infiniti Financial from XX/XX/XXXX to XX/XX/XXXX I was current with payments from the time of the lease from XX/XX/XXXX to XX/XX/XXXX. I had some financial difficulties that prevented me from paying my lease payment on time to as a result the car was repossessed. I received a letter from Nissan-Infiniti stating they sold the vehicle at an auction and I was liable of the balance of {$7800.00}. My account was then turned over to XXXX XXXX XXXX who I agreed to a monthly payment of {$210.00} until the balance was satisfied and was told during the agreement if I wanted to present a settlement to call back and they could make arrangements. I made faithful payments on the XXXX of every month starting on XX/XX/XXXX of 6 payments until XX/XX/XXXX a total of {$1000.00}. I called XXXX on XX/XX/XXXX and offered them a payoff of {$3000.00} they put me on hold to contact Nissan-Infiniti with the offer and they counter offered with {$3500.00}. I called back a week later on XX/XX/XXXX and made the payment of {$3500.00}. I asked for a payoff letter they informed me it would be in the mail with in a week and it did. Nissan-Infiniti then reported that I was late from XX/XX/XXXX to the time off the payoff that information was incorrect and they closed my account with a balance that impacted my score tremendously. I need this resolved and removed from my Credit Report Please. I have read the policy from the FCRA and this is a violation thanks for your help.
Consumer complaint received 2019-05-06
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

Over several years, Navient has used harassing tactics in attempt to collect a student loan debt. Last XX/XX/XXXX, they called several times before XXXX asking for a payment I had already submitted. 

I preemptively called and informed them that due to personal circumstances, I nor my guarantor was able to make XX/XX/XXXX 's payment by the due date ( XX/XX/XXXX ). I stated that I would be able to pay it by the first week of XX/XX/XXXX and the representative stated that there was nothing they could do. I asked that they at least notate the payment would be late and they refused. 


I received a call XX/XX/XXXX at XXXX requesting payment, during which I informed the representative that I would be remitting payment shortly. I completed the payment XX/XX/XXXX, receiving a confirmation number and seeing the deduction from my bank account. 

Today, XX/XX/XXXX I received 3 separate phone calls from the number XXXX. One at XXXX, one at XXXX, and one at XXXX. I answered the third to discover that it was a Navient representative calling to say they were trying to collect the XX/XX/XXXX payment - the one I had already submitted. I explained that to the representative, who used the computer system to verify it. She said she would make a note that the payment was there and to stop the calls. I asked her to please check for payments before calling - especially 3 times back to back. She became argumentative, stating there was nothing she could do about it and that I should just make my payments on time. I explained to her that this has happened even when I made my payments on time and she became more argumentative, talking over me, and unwilling to hear my position or take responsibility for repeatedly calling me under false pretences.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> I found and unauthorized cash withdrawal on my bank account listed as NON-CHASE ATM WITHDRAW XXXX for {$270.00} on XX/XX/year>. On XX/XX/year> I contacted Chase to report the unauthorized withdrawal, I was credited the amount of the withdrawal but on XX/XX/year> I received a notification from Chase claiming that the withdrawal was deemed not fraud. I requested the address and company name and phone number of the ATM that was used and was not given a phone number but the name of the company is PAI ISO with an address of XXXX XXXX XXXX, XXXX, NY and the time and date of the withdrawal was XX/XX/year> at XXXX. I told Chase that I was no where near that location and when I looked the address up on XXXX Maps it showed that it was a residential neighborhood with no structure having the XXXX XXXX address. I tried contacting XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and the only information that they gave me was that the ATM was called XXXX XXXX which when I looked it up did not have an address that matched the on I received from Chase. PLEASE HELP, the amount withdrawn from my account might not seem to be a lot of money but to me it is.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc. (CA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-06-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX has not responded to me regardingmy request to validate the account in the amount of {$1100.00} on my credit report beginning in XX/XX/2020. This company has failed to provide the documents required by law to validate the alleged debt in question. They have not responded at all. 
Experian and XXXX has continued to report this invalidated information which is a direct violation of the FCRA.
Consumer complaint received 2020-05-06
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. ()

Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX  XXXX XXXX-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 3 ) XXXX XXXXInquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX  XXXX XXXX- Inquiry date : XX/XX/XXXX 9 ) XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 14  ) XXXX-Inquiry date : XX/XX/XXXX 15  ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX 18 ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXX XXXX Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/XXXX Please find attached documents, in case if you did not receive attachments below is the link to download them. 


Below is the link to documents for confirming my identity : XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia (FL)

This in regards to a validation letter that I sent to you on XX/XX/2020. You have yet again failed to reply back as required by the FDCPA. You claim to have sent several replies to me. That is a lie, I know this due to the fact that you do NOT have my current address on file. This makes violation number 5, and you are liable for statutory penalties of {$1000.00} per violation. You also further violate the FCRA every time you verify the account as accurate to the 3 credit bureaus, as well as updating the DOLA on a monthly basis. Close this account and send it back to the OC. You have been in violation since the beginning of this, I never received you first dunning letter, the only way I knew you existed is you were reporting on my credit reports.
Consumer complaint received 2020-05-06
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

!!! Hello, My name is ***XXXX  XXXX XXXX I have been trying to reach out several times to get my problem fixed and receipted no responses so far. There are some of wrong adresses and employment information that exist in my credit account for years. In addition to that there are also some derogatory information appear in my credit report that not belong to me or our business. Here are the addresses and employment information that need to be removed : ****************************************** _EMPLOYMENT INFO! PRIORITY EXPEDITE! XXXX XXXX +++++++++++++++++++++++++ _ADDRESSES REPORTED! XXXX XXXX XXXX XXXX, AR XXXX! XXXX XXXX XXXX XXXX XXXX, AR XXXX