davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

In Wednesday XX/XX/2023 chime allowed an app called XXXX to take XXXX XXXX from my account.I called their hot line talk to some one that I couldnt understand. I open an investigation in to it thru chime. After about a couple of days they credit my account which was in the XXXX of the same month. On XX/XX/XXXX I got an deposit from my job. It was missing and couple of XXXX not alone the XXXX dollars the credit my account. I call more then 20 times. The said open another investigation which I did. On XX/XX/XXXX after they had to close the first investigation which was crazy. After that the next day I received an email saying basically they not giving me my money back that money was to pay bills that I could things I needed to get for my kids
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I have been a customer at Citizens Bank for more than 4 years. 
Over the past two years, my accounts have been frozen without any notice or explanation and I believe this has been targeted towards me based on my nationality. 
The branch manager where I opened the account personally supervised the last hold on my account ( XX/XX/2019 ) and was asking for documents to prove my legal status in the United States. They held my college tuition and caused me great distress. I asked about the nature of the investigation three times, and every time I was ignored. This year around the same time, there was another hold put on my account, and my credit card payments which are auto-pays were returned by the bank. I still do not have access to my account and I can not transfer any funds. I have been in touch with every representative from customer support to the office of the chairman at this financial group for two months and there has been no action regarding the matter. I was given this number ( XXXX XXXX XXXX ) to resolve the issue. After speaking to XXXX, and being promised full access to my accounts and a call back regarding the reason for the holds two months ago, I still can not access my accounts or even withdraw the funds.
Consumer complaint received 2024-03-09
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)

XXXX and Experian have some other people information on my account I havent consented to or agree to those accounts and or companies. This needs to be regulated a little more. Ive spent XXXX XXXX XXXX  on credit repair and monitoring f for identity theft protection. Theyre no good either. Please reference the consumer protection laws/rights that allows them to get away with this.
Consumer complaint received 2023-11-11
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. (MD)

I am writing to request the immediate removal of the fraudulent account ( XXXX XXXX XXXX ) from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

This account was opened without my consent and is negatively impacting my credit. Please investigate and remove it promptly, as required by FCRA Section 611 ( a ) ( 1 ) ( A ). Additionally, I have attached my FTC fraud report to this message. Provide written confirmation of removal, as stipulated by FCRA Section 611 ( a ) ( 2 ). I appreciate your prompt attention to this matter.
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the informationXXXX XXXX XXXX I say. I dont consider sending some computer-generated generic letter verification. I also reached out to the furnisher and they agreed to repair the account in my file. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2021. Please update and correct my account right away. 

XXXX XXXXXXXX
Consumer complaint received 2022-10-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

They called me every day all day long. They call on weekends starting at XXXX. Even on Sundays they start calling. At one point they were using a private number. I am paying for the XXXX XXXX already and this was supposed to be their bank cc. So who am I paying them or the company straight out. The company takes out a payment once a month already. 

This constant harassments is getting ridiculous .... 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This is some of the numbers they call from.
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AR)

This is a complaint for an aggressive and harassing debt collection process. XXXX Mortgage recently took over control of my mortgage. My payments are due on the first of the month. They are considered late after the XXXX of the month. Today is the XXXX and XXXX Mortgage has started making Attempt to collect on a debt phone calls to my place of work. They did not even try to contact me at home first. This sort of aggressive behavior to collect on a debt that is NOT even late is highly inappropriate and is harassing. I dont know how they even had my work phone number because when I checked my account settings the only number listed was my cell phone. When I told them to never contact me at work again and to not contact me at all unless my payment was actually late, the caller hung up on me.
Consumer complaint received 2023-06-20
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Experian about the horrible mistake. They sent me a letter stating that they verified the information. XXXX XXXX I say. I dont consider sending some computer-generated generic letter verification. I also reached out to the furnisher and they agreed to repair the account in my file. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2021. Please update and correct my account right away. 

XXXX  XXXX
Consumer complaint received 2022-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (MD)

I purchased a vehicle in XX/XX/2022 and my existing vehicle loan was to be paid off by the dealer during the trade off. The loan was not paid off until XX/XX/2022 which resulting in late payments on my credit report. The loan is now paid off however it still shows that I made 5 late payments.
Consumer complaint received 2018-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I demanded that the following accounts be removed from my credit report : XXXX XXXX XXXX XXXX  Account # XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2023-07-20
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)

To Whom this may concern, I have sent in Multiple disputes about following items on my credit report. and I am getting Extremely furious that nothing is being done, those accounts I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Furthermore, I have attached a police report and FTC report.
Consumer complaint received 2016-03-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I have applied for XXXX modifications on my loan and I have not received a response back in writing for either request. I have spoken with a manger who could not understand how my payments have been applied to my account. He also spoke of a {$5.00} a day penalty late charge that I have never heard of. XXXX was to research my payment history as well as the type of loan that has been enforce since Nationstar Mortgage took over and call me on XXXX/XXXX/16. I have not heard anything back from the manger XXXX as of today XXXX/XXXX/16. I called this morning and was told by customer service that XXXX was not available. The representative asked me if she could give me his extension and transfer me to his line and I asked for XXXX last name. At that time she asked me to hold and proceeded to transfer me to XXXX XXXX who is my account repersentive. I have sent {$1000.00} for the past two months and ready to send another {$1000.00} without any satisfaction from this company. My balance has not moved since they bought my account from XXXX XXXX XXXX. They are the worst company I have ever dealt with.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (VA)

In XXXX, an appliance was lease from XXXX. When the appliance was shipped it was defected ( there was a large dent and groove on the freezer door/ it was caved in ) and a report was made. XXXX offered to have the appliance picked up and replaced. A pickup delivery date was set. XXXX never replaced the appliance and a call was made to the company several times. I learned that XXXX filed bankruptcy and went out of business. In the meantime, my debit card was still being charged and payments were still being made. XXXX went out of business and never replaced the defected item. A new and functioning appliance was made from another company.
Consumer complaint received 2022-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

This debt collector all of the sudden started calling me regarding a debt from XXXX when I had an XXXX XXXX the insurance paid but there was some remaining balance. I don't recall receiving any written information since then. I moved from that address in XXXX and was ill for over 2 years living with family due to XXXX XXXX XXXX  I don't recall ever receiving any phone calls or mail from this debt collector until now, they are harassing me and from my understanding this debt is already date barred due to statute of limitations. Why are they calling me all of the sudden after 6 years?
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (NY)

my name is XXXX XXXX XXXX, on XX/XX/22 I sent {$2000.00} to my brother in the XXXX XXXX through RIA money transfer through the internet. the following day on XX/XX/22 when my brother went to retrieve the money, a teller at the bank told him that the money has already been given to the receiver. My brother told her that he is the receiver and he did not take the money. The teller told my brother to contact me who sent him the money so that I can contact RIA money transfer to report fraud. When I called RIA, they told me to give them one week for investigation, and after their investigation if my brother is not the one who received the money, they will reimburse my money. when I called them a week later, they sent me the ID of the person who took the money. The person used my brother 's name to make a fake ID to take the money. As you will see the person use another picture than my brother, different DOB, different profession in the back of both ID, different city of birth, different date that the ID was established and different day of expiration, different name of my father and my mother, different DOB of my father and my mother. when I called RIA money to return my money, they told me to have my brother to contact the local police in the XXXX XXXX, which he did. The police is asking him to provide the date, the time, the name of the bank, the city where the money was taken. I called RIA and asked to provide me this information. When I called them, they told me to call back.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

ON XX/XX/22 I sent Experian a letter for information they are reporting inaccurately. They have yet to respond or correct the inaccurate information The payment status is reporting " Current Was Past Due 60 Days '' This is an FCRA Violation, and this needs to be corrected to the CURRENT status of " Paid/Paid as agrees " Ive included the original certified letter as well as my credit report with errors highlighted
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is another attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy, and the reported history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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 XXXXXXXX
Consumer complaint received 2023-09-05
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-03-02
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. (NY)

I'm relocating to XXXX  and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in e. minute. While checking my report I saw items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX/DOFED. There are some inquiries on there thats not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. I have contacted the FTC and local police.
Consumer complaint received 2018-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

On my XX/XX/2018 my partner and I decided to proceed with the Loan assumption to be under my name XXXX XXXX XXXX XXXX, for the house located at XXXX XXXX XXXX XXXX, XXXX XXXX CA, XXXX. Normally the assumption process take 1 to 3 months according to the Mortgage company. on XX/XX/2018 the loan assumption got approved and my partner XXXX XXXX should be removed from the loan # XXXX from Nations Direct Mortgage. I call on XXXX to find out when the new bill under my name of XXXX XXXX XXXX XXXX will arrive, but XXXX XXXX, she told me I had to wait until the mortgage get recorder onto the Credit bureaus report which happen every XX/XX/XXXX of each month, that is mean they will update my information on the XX/XX/XXXX so it will recorder as a new loan owner, but did not happened, I call again to find out on XX/XX/XXXX and again XXXX told me it is missing documents so she can not summited to the credit bureaus and I have to submitted the Home insurance policy again and after she received she told me that I have to wait another month that is mean XXXX no later than XX/XX/XXXX so Direct mortgage can update all my information in their system. I been call several many time and no answer I received anybody avoid my call or does not want to answer why is taking so long to transfer my name to the loan. I am victim of discrimination and power abuse for part of the Nations direct mortgage located XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , IL , XXXX telephone XXXX because even do the Underwriting and the Direct Mortgage approved the loan on XX/XX/2018 I still paying my house and no Manager, no supervisor, no customer services return my call and I don't know what happened until now, why they are delaying to change the loan to my name,
Consumer complaint received 2023-09-05
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-28
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. (FL)

I am writing to dispute the accuracy of certain accounts listed in my consumer report, which I obtained from your agency. These accounts should not be furnished on my consumer report as they are in violation under 15 U.S.C. 1681b - Permissible Purpose of Consumer Reports.

I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX ( Unauthorized Inquires ) XXXX  XXXX XXXX  open date XX/XX/XXXX XXXX open date XX/XX/XXXX XXXX  XXXX open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX
Consumer complaint received 2020-03-02
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. (NY)

I'm relocating to XXXX and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in e. minute. While checking my report I saw items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX/DOFED. There are some inquiries on there thats not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. I have contacted the FTC and local police.