davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

In XXXX of 2023 I purchased an item from XXXX XXXX  using my Webster bank card in the amount of {$590.00}. The item arrived not as described and box was damaged on XXXX side. I tried to contact the company who was going to charge a restocking fee so I disputed the purchase with Webster Bank. I continually contacted Webster and was recently told they found in favor of the seller and I was not provided any reason as to why.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Groundfloor Finance Inc. (CT)

Its been more than 6 months now since this company have my money my XXXX which Ive work hard saving and this company takes my money after I invest it they said they will give me back my money after I get my original bank open back up which I did I get my original XXXX XXXX XXXXXXXX account ending XXXX is now open back after I plead my case with them now I want this company to refund back my money into my original bank account where my money came from. Ive made a complain more than a month now and no response from them that is to show you that this company wants to steal my money. I need back my XXXX to refund back u to my bank account i need it back!! This is the last time Im asking and making a complain else I will bring this company to the court of law!! I need back my money into my bank account it came from so I need this company to send back my money.
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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/year>
Consumer complaint received 2024-07-09
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. (MI)

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 Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XX/XX/2023 XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-09
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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 2024-07-09
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: Experian Information Solutions Inc. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

For the record and on the record, I XXXX XXXX ; XXXX reserve now and forever reserve my unalienable rights. TD Bank has some checking accounts listed in their system that are not mine. My identity was stolen and used to open checking accounts. I notified TD Bank of this in good faith with the hopes they would rectify this issue. TD Bank in bad faith has refused to remove these accounts out of my name. I demand that TD Bank remove these fraudulent accounts out of my name post haste.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-19
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle incorrect and unverifiable accounts that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. PLEASE GET RID OF THESE ACCOUNTS : 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NY)

I requested MRS BPO LLC remove this debt from my XXXX and XXXX credit report because I'm not liable for this debt they are reporting derogatory marks on my credit report which are having a negative affect on my credit I have never been in contract with MRS BPO LLC there are no signatures of mine on any contracts with MRS BPO LLC also they have been aggressively trying to get me to pay them I'm currently under duress because of there tactics to destroy my credit this is a violation of 15 USC 1692d Harassment or abuse, 15 USC 1692b, 15 USC 1681e, 15 USC 1681b
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (TX)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc. (TX)

While at work in XXXX  XXXX, I slipped on the floor and fell down in the medication room, landed on my left hip and left shoulder on XX/XX/XXXX. My co workers helped me to lift me up from the floor. I was sent to the employee health Department the same day, seen by the attending physician. I was sent for XXXX XXXX, I took therapy until XX/XX/XXXX XXXXXXXX XXXX XXXX has proof that the therapy sessions were approved which they sent me on my phone. I was told my sick leave that I have used during my XXXX XXXX hours will be reimbursed later, but my sick leave was never reimbursed. They made me close the case around XX/XX/XXXX in a rush, later I found out that my sick time will not be reimbursed anymore. In XX/XX/XXXX, I received a bill for {$2000.00} from XXXX XXXX XXXX XXXX. I tried to work with XXXX  and XXXX XXXX XXXX XXXX answered me stating that my case is closed. When they closed my case, I was not aware of this oncoming bill or loosing my earned sick leave. On XX/XX/XXXX, I received this letter from Benuck & Rainey , Inc. debt collector. Mean time I have requested XXXX to open my case which they rejected to open. 

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. I hope and request your honorable office to do justice in this case in a humanitarian basis.
Consumer complaint received 2024-07-09
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. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (FL)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2024-07-09
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. (AZ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-06
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: Experian Information Solutions Inc. (OR)

In 2023 I was fraudulently charged on my XXXX XXXX XXXX credit card. I reported the fraudulent charges to XXXX and they credited me with the money 's. XXXX has also sent me a letter that says they credited me with the money 's and that any late charges should be taken off of my credit reports. They sent the same letter to all XXXX credit reporting agencies. Experian has refused to take off the late charges, although they received the letter from XXXX. I talked to a representative who informed me to make a complaint with the CFPB about the late charges. Attached is the documentation from XXXX.
Consumer complaint received 2024-06-26
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

In XXXX I was contacted by SPS Servicing stated they bought a loan from XXXX XXXX in which you were investigating on my behalf for a loan they claim was mine and I know a loan I had from a company name XXXX was paid off. I asked for original documents and checks that I was to had signed and I received a document with a signature that is not mine which I informed them then they sent me a document which had my daughter and son in law name on it and the loan number was hand written in. I know that my daughter is paying a mortgage for her house and I think they added the mortgage to my house as well trying to get double money from us. I am almost XXXX XXXX XXXX my house was purchased over 50 years ago. XXXX sold this loan to them knowing they were scamming me to get money
Consumer complaint received 2024-07-09
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: Experian Information Solutions Inc. (NY)

I am writing to request the deletion of the late dates of the disputed item from my credit report. Despite my attempts to have the inaccurate and incomplete reporting verified by your bureau, still the inaccurate information appears on my report. 

Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. 

Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I submitted a complaint against Eastern account services collection since they did not follow proper procedures to contact me regarding an account of {$130.00}. the company 's response was that once they received confirmation payment was made they would request account to be deleted from credit bureaus. Later A representative emailed me saying they would not do that but report it as paid.
Consumer complaint received 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunnova Energy Corporation (NY)

Forged signature. False mis-presentation, omitted information. I purchased solar panels through a company called XXXX, XXXX. The sales rep through a XXXX  call presented his speech on how Solar Panels would be saving me a lot of money. He lied. I was told I would received a check from Federal in the amount of {$9100.00} and a check from State for {$5000.00}. which I could spend however I want or put back on the loan to pay it off sooner, which I intended to do. This was a lie. I never received any money. I was told I would have a fix loan payment of {$89.00} to Sunnova and {$19.00} to XXXX XXXX. This was a lie. I'm paying triple of what I use to pay. My loan was suppose to be for {$21000.00}, now it's showing an amount of {$47000.00} which is affecting me financially and health wise, it's literally making me sick. I was told I would have no electric bill, Not true. I was told my property value would increase, Not true. Warranty was 25 years, not true. Many other things were mislead and omitted just to make the sale. At end of the XXXX  call I was sent a square box by the XXXX, XXXX representative for my signature, saying I understood the meeting. Unknown to me, a XXXX, XXXX contract was generated and emailed, which I never read nor reviewed prior to signing on that squared box because they never show you a contract. To my surprise another contract appeared months later from Sunnova that I'm 100 % sure I did not sign. The signature is way different. I don't signed that way. I called XXXX and opened up a case. XXXX sent me the IP address/network/information of where that document came from and I had an IT department compare it to my home. The Sunnova document was not signed by me. Many are having the same problem. These documents are fraudulent. They are being signed by the representative themselves. I've reached out to Sunnova which told me the representative is contracted by Sunnova. The representative never disclosed that. He said he works for XXXX, XXXX. I'm still waiting for Sunnova to answer me on who signed the document. When you first call Sunnova, they just tell say, you still have to pay the loan or you can pay it in full, those are your only options.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

I walked in to the store and was trying to make a cash payment to my credit card the manager at the store told me that it was up to her discretion who she took cash payment from so she decided that she wanted to get approval from corporate to accept my payment so she called corporate and then corporate told me it was going to take up to 7-10 business days for the payment to process. Previously my debit card payments to this account were taking two weeks to process even though the money was immediately taken from my bank account, so the XXXX representative told me to make cash payments at the store from now on to correct this problem after leaving the store I called the customer service myself making a complaint about the incident. The representative told me that any payments over {$1000.00} take special recording and processing ever since XX/XX/11 and that I wasnt singled out. As a consumer I feel like the managers actions were very biased on the judgement of my appearance, XXXX has items in store that cost more then the payment I was trying to make, Ive also made payments in that past that was more then {$1000.00} and its never been a problem. The cashier also confirmed that these extreme measures are not normally taken. Im deeply offended by the actions that were taken against me. How can we solve this?
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

XXXX  XX/XX/year> my husband 's XXXX walked into Citizens Bank and XXXX XXXX at the XXXX XXXX XXXX, XXXX OH XXXX branch allowed him access to our joint account without my knowledge, permission, or signature. This is an invasion of my privacy. 

On XX/XX/XXXX I removed my name from the account. They took my signature, refused to see my ID, and did not notarize the paper. Any female could have signed that paper. 

This is an outright violation of my privacy and personal rights.
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

In XXXX  I was offered a settlement thru a 3rd party debt collector if I made 3 payments to them. I have forwarded the proof I have paid per their request multiple and even called and spoke with multiple people. They keep giving me the run around. This is a bad credit on my report and per the regulations they need to report it correctly.
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (AL)

The XXXXredit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.