davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Citizens Bank has XXXX entries on my Credit Report, with different amounts, and showing amounts as written off. 

These entries are for the same personal loan, which was settled with Citizens for a negotiated amount. This was the result of a sudden medical hardship which left me XXXX. 

This is the only creditor that I settled with that does not show a status of paid in settlement etc. They are also the only creditor that shows the sold loan as a separate item. Because the amounts are different and credit is not given for paying in settlement, it appears as if it is XXXX separate loans. 

I have tried to get this reconciled twice through the Experian Dispute Process and Citizens changed nothing ( confirmed through XXXX ). 

I then tried to get it reconciled through The XXXX XXXX XXXX XXXX for Citizens Bank. I was told that this had been elevated to the credit reporting team and that I would receive their response by mail within 30 days. This process began on XX/XX/2023 with XXXX by phone and email. My last correspondence from them was XX/XX/2023. I have followed up several times by phone and email and have received no response.
Consumer complaint received 2023-10-12
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. (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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX Account XXXX XXXX has violated my rights. In accordance with FCRA 1681a-Definitons ; rules of construction ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consume and the person making the report ; 15USC 1681b permissible purposes of the consumer report.15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (AL)

XXXX XXXX, XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE 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 XXXX XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX These hard inquiries are not mine this information is incorrect and needs to be removed from my credit report.
Consumer complaint received 2023-10-12
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. (AL)

XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE 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 XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XXXX CITIZENS XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX These hard inquiries are not mine this information is incorrect and needs to be removed from my credit report.
Consumer complaint received 2023-10-12
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. (NJ)

On XXXX i had XXXX hard inquires on my XXXX Credit Report. I have tried to contact all 3 companies to no avail. they could not give me any information. I did contact my XXXX but I would like to report abuse of my personal information. I have not applied for any car, home, or personal loans, or opened any new credit cards.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was told i was sent a email for a class action lawsuit for a data breach with capital one which capital one confirmed i was apart of but i never received an email. When asked what i would have to do i was told its nothing i can do because its to late. I then asked while if i never received an email how could i respond and if you guys are saying my data was included then why not make better attempts to contact me.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CT)

1.Experian Credit Bureau : Has been Reporting inaccurate Fico Scores & since XX/XX/XXXX to XX/XX/XXXX in the range of XXXX, While XXXX and XXXX Credit Bureaus have been reporting my FICO Scores i the range of XXXX XXXX. 
2. Experian has been consistently charging my credit card {$30.00} per month and has fraudulently been unable to provide me quarterly annual reporting on three major credit bureaus ; XXXX, XXXX and Experian since XX/XX/XXXX to XX/XX/XXXX. 
3. Dated XX/XX/XXXX, Experian failed to provide me identity theft protection services as guaranteed and contracted in my $ XXXX  monthly fees from XXXX XXXX XXXX. 
4. To date there is an account XXXX XXXX that was a result of identity theft filed in XXXX and Experian has failed to remove this from my credit report account. 
5. Experian Refused to refund me my monthly fees and provide me with accurate credit reporting.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

On my XXXX Citi Costco Anywhere Visa statement there was a questionable late fee of {$30.00} and an interest charge of {$32.00}. I contacted XXXX. who agreed and waived the late fee and interest charge and those credits showed up on my XXXX bill. 

But also on my XXXX bill, it also showed I owed {$8.00} interest! I called and XXXX XXXX said she'd credit me this " residual '' interest charge - residual from the {$32.00} above! I had never heard that term and that sounds ridiculous. ( The explanation sounded like while they credited me back interest, they did so at a time that it was in 2 different billing periods so the " credit '' of {$32.00} only covered one billing period but not the other even though there was only one interest charge in 1 billable month time frame : / ) So, she said she credited it - fine - lots of my time spent for this. 

Then I add up my charges so I can pay my bill and it doesn't add up to what they are saying is owed. Somehow, there is {$1.00} additional owed. I look at the statement and it says 2023 Interest is {$9.00}. Which is the {$8.00} ( that was just credited ) plus the mysterious {$1.00}! 
I get back on the phone with Citibank. XXXX explains that since I took an offer of a lower interest rate for a promo time, that some of the interest was on one rate and some ( the {$1.00} ) was on the lower rate during the same billing cycle and for standard purchases. ( Did I lose my mind? ) Anyway, she would not credit me that {$1.00} as she said she couldn't BECAUSE it was my choice to take the promotional offer! 

Citibank has been a decent company to work with, but not sure what is going on now with them. It may only be a few bucks to me, but that times a XXXX customers amounts to XXXX for them.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (MI)

NETCREDITXXXX account # XXXX is in violation of 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IN)

I was approved for the new SAVE repayment plan in XXXX and received a new statement XX/XX/XXXX. On XX/XX/XXXX received message stating that I failed to renew my plan for the year. When I speak to a customer representative they can only tell me things like well this is probably what happened. I need someone to actually look at my information and tell me why my payment went from {$86.00} per month to over {$360.00} per month.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OZK (GA)

About a year ago I opened an account at Bank OZK XXXX XXXX XXXX XXXX, XXXX, GA ( XXXX ) XXXX. During this time I had several overdraft fees and got charged several XXXX dollars. I kept looking at my transactions and they never were in the correct chronological order. On XX/XX/XXXX  I was had two transaction go through for under {$20.00}. My account went negative {$18.00}. I got cash and I went to an ATM in my town and I deposited {$20.00} cash to bring the account back positive. 
The next day I got paid by my employer. When I logged into my account I noticed that bank of OZK charged me {$70.00} ( 2 ) overdraft fees despite me bringing the account positive. 
I went by the bank at XXXX XXXX XXXX XXXX, XXXX, GA ( XXXX ) XXXX. I stated the same that the night before I deposited {$20.00} cash and the transactions were never in chronological order. 
The manager stated that her hands were " tied '' so couldn't give a refund for {$70.00}. Thank I asked her to close my account. Than she said if I kept the account open she could refund 1 time overdraft fee. I said no I'd like to close my account. They refused to give any refund. 
I also noticed that the bank changed the transaction for the overdraft for the prior day instead of the same day. On the XXXX the {$70.00} overdraft did not show. However on the XXXX they posted it as it was charged on the XXXX prior to me adding cash. This is like changing the chronological order after the fact. The already created transaction history was changed the next day which I noticed happened also in the past.
Consumer complaint received 2023-10-12
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. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The credit reporting agency has failed to appropriately address my complaints about debt posted on my credit report. Ive filled numerous dispute that they do not resolve yet continue to post Unkown derogatory remarks and items with inadequate information that continues to impact my credit score. These items have been showing up on a monthly basis for almost 5 years now. Each time I file a dispute they never get back to me with substituting evidence to prove the claim and my association with the companies who are posting on my report. All three companies do not have a names, just the amounts Im said to owe. This is a gross misuse of my personal data and unfair reporting practices that both TransUnion and XXXX are enabling in my credit report.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Late payment history is wrong. The late payments and/or payment history isnt reported the same on all XXXX bureaus. Dates do not match. Account is paid in full. 
XXXX shows late payment for XXXX XXXX. XXXX shows late payment for XX/XX/XXXX. Payments are incorrect. Close and open dates do not match. Comments do not match. Each report is different.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm writing to bring to your attention the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have unfortunately fallen victim to identity theft and have acted immediately by reporting this incident. 

It is of utmost importance to address this matter promptly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a comprehensive investigation into this issue. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation.
Consumer complaint received 2023-10-12
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. (GA)

I sent a letter on XX/XX/2022 to Experian. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2023-10-12
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. (GA)

I sent a letter on XX/XX/2022 to XXXX. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2023-10-12
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)

Certain accounts on my credit report have been connected to identity theft without my explicit authorization, including my signature. I've previously raised this issue with your organization and am now making a formal request for the prompt removal of these accounts from my report. Their presence has led to substantial emotional and financial distress as they inaccurately reflect my credit history and responsibilities. If this matter is not adequately addressed, I am fully prepared to take legal action to safeguard my rights and seek a resolution. These fraudulent entries on my credit report have impeded my ability to achieve critical financial objectives, such as homeownership and providing for my family.
Consumer complaint received 2023-10-12
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. (TX)

Certain accounts on my credit report have been connected to identity theft without my explicit authorization, including my signature. I've previously raised this issue with your organization and am now making a formal request for the prompt removal of these accounts from my report. Their presence has led to substantial emotional and financial distress as they inaccurately reflect my credit history and responsibilities. If this matter is not adequately addressed, I am fully prepared to take legal action to safeguard my rights and seek a resolution. These fraudulent entries on my credit report have impeded my ability to achieve critical financial objectives, such as homeownership and providing for my family.
Consumer complaint received 2024-04-05
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. (FL)

RE ACCT NO # : XXXX XXXX XXXX XXXX XXXX Notice of Improper reporting on credit consumer credit report Please be advised that this dispute is in regards to the improper reporting of the consumer report. It has come to my attention that your company is violation of title 15 USC 1681 ( a ) ( 2 ) ( i ). The consumer report is reporting the CREDIT UTILIZATION, which is EXCLUDED from the consumer report. ( 2 ) EXCLUSIONS.- EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ), THE TERM CONSUMER REPORT DOES NOT INCLUDE. ( i ) report containing information solely as to the transactions or experiences between the consumer and the person making the report. Finally reporting late payments are illegal and credit utilization reporting are illegal, these are XXXX  EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT. PLEASE REMOVE ALL TRANSACTIONS OR EXPERIENCES BEING REPORT WITHIN XXXX  DAYS