davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received a check in the mail from my previous employer for {$5600.00} on XX/XX/XXXX and deposited the funds into my citizens bank checking account using the mobile app the same day. This is an employer I had worked for for XXXX years ( meaning i have additional proof from w2s and previous pay stubs ). Citizens put a hold on the check and would not explain why but assured me the funds would be available on XX/XX/XXXX. Much to my surprise I woke up on the morning of XX/XX/XXXX to find my bank account had still not been credited. I contacted citizens and was ultimately told until they could verify the check with either the bank the check was drawn on or my employer that it would be held INDEFINITELY. Naturally I was furious as this is a legal valid check and i am tax paying citizen. I called my HR dept and even merged the call with the citizens branch manager and my HR dept said theyd be happy to verify the check in whichever way citizens deemed necessary. They would not allow this and insist on holding my check and making my funds inaccessible to me for 90 business days. This is a check that was deposited on XX/XX/XXXX that citizens is refusing to cash until XX/XX/XXXX. Baffled as to how this is even legal considering they also wont allow me to cancel the deposit and cash it elsewhere. They have also refused to explain why the check is being held other than to say that some information on the check is inconsistent. I find that hard to believe considering I work for a XXXX XXXX XXXX XXXX XXXX XXXX based out of XXXX XXXX North Carolina ) that has been using XXXX XXXX for years. Hoping somebody can assist me with accessing my hard earned money. Thanks.
Consumer complaint received 2024-06-06
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. (GA)

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 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

I was a long-time cardholder of the XXXX XXXX XXXX XXXX issued by Barclays Bank . There has always been an annual fee, but since the pandemic, not only did the fee increase, but the benefits associated with the account did not justify the fee. I called customer service and first asked that the card be downgraded to another product ( with a lower annual fee ) -- and they refused. I found this odd because every time I travel, they are pushing the downgraded card. I then told them I had to cancel because the annual fee no longer was no longer justified, but I expressed to them that I only wanted to cancel if I could get a refund of the fee that was just paid ( XX/XX/year> ). The call occurred sometime in XXXX ( I don't have the exact date ). I did not schedule a payment for XXXX because I figured the offset of the fee would take care of the outstanding balance and the remainder would be mailed to me. Unfortunately, that was not the case. When I received notice there was a late charge on the account ( on or around XX/XX/year> ), I called and let the person know what happened and they reversed the late charge and finance charge. They said they would pull the previous call to verify our conversation ( i.e., that the agent told me I would receive a refund of the annual fee ), and that it would be XXXX business days and someone would contact me. I have yet to receive a refund or contact from the company. I am extremely upset because not only did they refuse to downgrade my card to a different product, but they kept nearly {$200.00} for a fee that they did not earn. If I would have known they would not refund me, I would have kept the card open for another year.
Consumer complaint received 2024-07-14
Product: Credit reporting 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. (DE)

I received a notification stating that there was an unauthorized inquiry from XXXXXXXX XXXX on XXXX. This unauthorized inquiry has affected my Transunion credit score and is hindering me from using my credit. According to 18 USC 1028A this unauthorized inquiry needs to be removed from my Transunion credit report immediately.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

I tried to use PNC mobile deposit to deposit a check for {$14.00} and the app crashed four times making it look like the deposit was not accepted. It was not showing in my current or available balance and there was no record of the deposit being credited So I cashed the check at XXXX. Turns out PNC did accept the deposit without any notification on my end and the check was returned. PNC froze my account for {$14.00} and held my direct deposit and a XXXX  payment totaling over {$670.00} for 4 days refusing me access to my payroll for a mistake that was caused by their app. The level of service I received was disgusting. They treated me like a criminal for a mistake.
Consumer complaint received 2023-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING, LLC has sued me and got a judgment against me without me being notified in the 1st place of the lawsuit. It does not state who my original debt is with. I do not recognize this debt or the amount ( {$1200.00} ). Their lawyer, XXXX XXXX XXXX XXXX, are demanding personal information that I should not hand over until I know exactly what debt this is and the detail of the debt or proper notice of trying to collect the debt. 
This is improper practice and this company has a long history of unethical practices and having their lawyers harass people. They are behind their lawyers bullying and threats of judgments.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

THERE ARE MULTIPLE FRAUDS HERE!!!! I have several credit checks on my credit score from at least XXXX different companies since Monday, XX/XX/2024. I HAVE NOT ASKED FOR ANY OF THEM!! I do not plan on applying for any more credit in the near future, so any of these are fraud. The first came from XXXX, then Bank of America, XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-06-06
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. (AZ)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2023-08-25
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. (CA)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance :- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I received compensation from a company called XXXX ( XXXX XXXX XXXX ) in the amount of {$11000.00}. This was transferred to my checking account at Bank of America by ACH. XXXX days later on XX/XX/XXXX the same company took an even larger amount of {$11000.00} from my account as a " reversal '' without my permission, authorization and any justification. This is complete fraud. I got in touch with Bof A but they didn't stop this fraud and refused to take the funds from the firm only blocked any future transactions from them.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXX XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

This is the follow up complaint for the negative items of my Credit report.I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  XXXX XXXX Balance {$0.00}
Consumer complaint received 2024-05-20
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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  XX/XX/XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OK)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc. (PA)

I am filing a complaint in regard to the consolidated loan that I share with my ex-husband who has not provided a payment to this company in months and months. I have consistently paid my half payment which is documented. New legislation was passed in regard to separation of this type of loan " joint consolidation ''. The XXXX XXXX XXXX has not provided the direction yet to this company in regard to how to separate. I continuously answer the calls from Nelnet and repeat the situation. The loan continues to have late fees and charges imposed due to my ex-husband failing to pay. He is now unemployed. I have requested an Administrative Forbearance on each call which I have been denied. Recently, I was told that this could be applied once Nelnet receives communication from the Ombudsman. I have been in this process to try to receive assistance as the " co-borrower ''. I am fearful of my credit being ruined by my ex-husband due to his failure to comply with the terms. I have applied for loan forgiveness due to my employment with a governmental agency for 20 years. The paperwork was submitted for the forgiveness. I am suffering and being penalized still for this decision to consolidate when we were married. I am asking for Nelnet to figure out how to handle the situation as I have consistently paid my monthly half payment. I have communicated for years my struggle and how I continue to be negatively impacted. I am filing a complaint for documentation purposes that I continue to advocate for myself to have the company recognize my need for help so that the loan does not go into default or damage my credit report because of the negligence of the primary borrower. I want an Administrative Forbearance!
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-20
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. (TX)

I recently obtained a copy of my consumer credit report from your bureau and wish to dispute the completeness and accuracy of certain information. These erroneous information is negatively impacting my credit report, and I request that you promptly correct them. 
I trust that you will conduct a thorough investigation within the next 30 days. Following your investigation, please provide me with an updated credit report, along with the names, addresses, and telephone numbers of the individuals contacted during the process. 

I insist that you immediately cease reporting these accounts as late on my credit report. Failure to comply with this request may result in legal action against your agency. 


These information I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (LA)

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. 

Company name XXXX  XXXX Account Number # XXXX Company Name XXXX  XXXX Account Number # XXXX Company Name XXXX  XXXX Account Number # 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 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 2023-02-16
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. (FL)

I've had this mortgage since XXXX of 2016. It's with XXXX XXXX XXXX XXXX XXXX and it has been a nightmare from the start. They are, extremely, unprofessional and criminal! I've never missed a loan payment and my payments have never been late! Every month, I've had to call numerous times and wait on hold for hours. When someone answers, I have to pray they speak XXXX and hope they don't hang up. They refuse to take the payment. They've, randomly, increased my monthly payment for several false reasons. My Credit report shows 3 1/2 years of late payments, which is absolutely incorrect! I've made several attempts to work with XXXX XXXX XXXX filed disputes with the credit bureaus, and even contacted XXXX XXXX  XXXX XXXX XXXX  has refused to fix the issue and they have refused to even respond @ any time over the past 7 years.
Consumer complaint received 2023-02-16
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

I tried to explain why they charge my credit card fee with no reason fees, They cant fix my problem, and no refund. They just want me to pay for it! I never pay late on the due date, and I never over the limit credit.