davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX, I opened an account with Citizens Access. That same day, the online account was locked. After a call to customer service I was able to access the account to fund it with XXXX dollars from another personal checking account at XXXX XXXX. One day later the account was locked once again. I called to request access again and was told they required a hold harmless letter from the depositing bank. When asked why they said it was flagged for fraud because they could not verify the account belonged to me. They did not disclose the reasons for flagging the account. This was told to me by XXXX XXXX supervisor ) and she gave me " request # XXXX '' for reference of my " case ''. I called XXXX and told them of this request which they found strange seeing as the account is under my name and a simple statement would suffice. I called Citizens Access again to explain this, once again they did not disclose much information but said I could request an ACH reversal or send the hold harmless letter because they could not " verify funds '' despite the account having been funded since the XXXX. Since I wanted to take advantage of their current APY rate I continued my attempt to provide this hold harmless letter. Panacea provided this on XX/XX/XXXX, they also faxed it to XXXX. I received an email saying my account had been funded which was odd because it had been funded on the XXXX. On XX/XX/29 I called once again and was told the funds were being sent back. I did not request them to be sent back but hoped to be rid of this headache. On XXXX I called once again because my funds had not been returned to my XXXX account at XXXX. I was told it was would take10 business, when asked what address it was sent to they refused to tell me, until I raised my voice they finally disclosed my address which was correct. I am not hopeful the funds will arrive, this is affecting my progress to secure a mortgage loan.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

I was scammed out of XXXX $ total by a fraud website called XXXX. I immediately disputed it to my bank Chime and they refused to get my money back or help resolve this issue. I've sent multiple letters to the bank showing the proofs and evidences of the scam that was done to me and they refused to help me. The dates which the scam took place were on XX/XX/2023 to XXXX XXXX XXXX for XXXX and XX/XX/XXXX  to XXXX XXXX XXXX for XXXX.
Consumer complaint received 2023-10-02
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: National Credit Systems,Inc. (FL)

In the previous complaint that was filed against this company, in the company response they clearly stated : NCS has closed the account. We are no longer pursuing recovery of this account, and will request that any credit bureau listing made by this agency in connection with this account be removed accordingly. But this company is still sending me letters attempting to collect the debt and also the account was only removed off of experian and still remains on XXXX and XXXX. The only thing thats changed on XXXX  and XXXX is the status was updated to current and that shouldnt be!
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. (IL)

Transunion, XXXX, XXXX is reporting inaccurate information to my credit reports based on wrong information given to them by the following collection agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give nor did I sign any contract given the original creditors the right to sell the account for the purposes of harassing me and damaging my credit. 
Also XXXX XXXX XXXX is reporting my medical information which is a violation according to the Hippa Law. XXXX is the second collection company that my medical info has been sent to.
Consumer complaint received 2023-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC (AZ)

I contacted XXXX XXXX with Nexa Mortgage to apply for a new purchase mortgage loan and wanted to obtain a pre-qualification so I could begin shopping and submitting offers. When I spoke with XXXX XXXX, he explained that he was going to do a soft pull of my credit just to get the pre qualification done so I could begin the buying process. Then, suddenly a hard inquiry was placed on my credit and then XXXX XXXX took an unreasonable amount of time to get the pre-qualification letter over to my realtor, which almost caused me to lose a house I was interested in. Then, I asked XXXX XXXX for additional information and he kept giving me the run around, telling me he'd get me information by certain deadlines, which he would miss consistently. I had to XXXX  XXXX XXXX and go with a different lender as he was not honoring what was promised. I contacted Nexa Mortgage to file a complaint and was told I would receive a call the next day but no one ever contacted me back. I called to follow up and the line was disconnected so I called back and left a message.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope this letter finds you well. I am writing to formally request the removal of outdated personal information from my credit report. I have noticed that my credit report contains old names, phone numbers, and addresses that are no longer relevant or accurate, and their presence on my credit report may lead to confusion or inaccuracies. 

Below, I have outlined the outdated personal information that I would like to have removed from my credit report : 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  PERSONAL STATEMENTS XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 
I believe that the presence of these outdated personal details is unnecessary and may lead to inaccuracies in my credit profile. Removing them will help ensure the accuracy and clarity of my credit report, which is essential for my financial well-being.

I kindly request that you initiate the process of removing the aforementioned outdated personal information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires credit reporting agencies to maintain accurate and up-to-date consumer information.

I appreciate your prompt attention to this matter and kindly request confirmation of the actions taken to remove the outdated personal information from my credit report within the timeframes specified by the FCRA.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-02
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)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (WA)

This account is supposed to be closed yet it is saying it is not paid, and hurting my XXXX XXXX. 


XXXX - XXXX  Credit Card | Reported on XX/XX/XXXX Balance {$0.00} Limit {$300.00} Account utilization : 0 % | Excellent Payment history XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On time XXXX days late CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status XXXX payments or less past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XXXX XXXX, XXXX Past due {$0.00} XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX My XXXX  XXXX cards and my XXXX card are now being paid off with monthly payments.
Consumer complaint received 2023-04-20
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2022-12-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (NY)

MB FIN SVCS XXXX My name is XXXX XXXX and i am not a third party. This company never sent me my bill for XX/XX/2020. It was my first bill with this auto loan ever. The creditor never sent me a bill so how was I suppose to know I was supose to be making a payment? Under the FCRA if the creditor doesn't provide all documentary evidence as defined under 15 usc 44 this will result in a billing error. I asked the creditor to show proof that I received the statement and they did not provide it. They are full of XXXX and forfeit all rights to collect the payment due on that bill and can not give me a late payment on the account unless they provide the documentary evidence. If it's a billing error then the enitre amount will not be able to be collected on. 

MB FIN SVCS XXXX
Consumer complaint received 2023-11-12
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. (IL)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Bankruptcy XXXX XXXXXXXX, 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 1681 c. ( 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 2023-09-02
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. (FL)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXXXXXX Balance Owed : {$44000.00}
Consumer complaint received 2023-09-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I got approved for a personal loan and they paid these other to l had and did not give me any money but paid it off they considered the two amounts on personal loan with each other the personal loan was for a companion dog.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC (TX)

The credit card REVVI requires a program fee of {$95.00} to activate the card for use. 
I paid the fee and my card would not work. I spoke with them and they said the card was not activated and they would activate it. I tried after that and it still would not work. I called back and thet said they would deactivate it and reactivate it. I stayed on the phone while I tried to use it again and it still would not work. I tried 4 placess. 
XXXX said declined. 
XXXX said not able to use XXXX XXXX  said security # was invalid XXXX said there was an error with the card. 
They said they did not know why it would not work. 
I requested to have my program fee returned and the account closed. 
I asked for a confirmation after they agreed to do so. I was told they could not provide a confirmation. I have now seen reviews that this has happened to multiple people after paying the program fee was paid and that the card would not work. After asking to close the account that they do not close the account. I have called this morning to confirm it was closed and was told yes but that they would start the credit for the fee. 
I spoke with a supervisor and asked why I was told they would credit back the fee and today it had not been processed. He said it had been and did not know why the other representaive said it had not been processed. At this point i can't believe them.
Consumer complaint received 2023-10-02
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. (NY)

They made the minor corrections such as phone numbers a employers but not the serious XXXX loan that was not mine. Repeated emails from them are now soliciting sales of services and they continue to ignore the XXXX matter. Yet the email headings imply they have taken action only to discover a sales pitch
Consumer complaint received 2023-10-02
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TrueAccord Corp. (SC)

This company has a collection that is not mine that is reporting on my credit report. These are the account numbers XXXX XXXX and XXXX XXXX However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

I made a payment on my credit card, but I accidentally selected the wrong checking account and the payment NSF 'd. I immediately made the payment using the correct checking account and called AMEX to ask them to stop attempting to debt the incorrect payment information ; however they refuse to stop attempting. So far AMEX has attempted 4 times to collect a payment that I already satisfied and refuse to stop. Amex customer service said they can continue to attempt to collect the payment until it is received because I consented to such. Well that may be true but it is completely unfair. each time they attempt I incur a fee, but AMEX wants to inflect pain for my mistake.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NY)

I have called and sent documents and filled out forms and spend HOURS on the phone either waiting to speak to someone or speaking to someone and still the issue has not been resolved. MOHELA is stating that I need to resume payments when I have made well over the XXXX payments required for forgiveness under the new XXXX criteria. When my loan was transferred to MOHELA from XXXX, all of my payments were not applied to my account and I have submitted documentation showing payments as far back as XXXX  when the XXXX program started. At this point, I am being told I need to resume payments when in fact, I should be owed a refund. I have asked over and over again for a manual count to get credit for all payments through XXXX and when I speak to a representative, they all agree yet NOTHING has been done. I have uploaded documents and mailed documents and faxed documents and still, nothing has changed. I am in the process of seeking legal counsel which I will also ask MOHELA to pay the fees incurred.
Consumer complaint received 2023-10-02
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)

Experian has yet to remove or delete my end loan off my credit report they claim they did an investigation but they have not they need to delete XXXX loan that is paid off and update my credit score
Consumer complaint received 2023-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

I have been receiving daily calls from this number which is supposed to be PayPal Credit since XXXX. Prior to that the calls were from Syncrony Bank and they started in XXXX. 
I do not answer these calls because I do not and have not done any business with PayPal Credit or Syncrony Bank. Also because according to XXXX this number has been associated with SPAM calls. 
I have been the victim of identity theft XXXX times since 2020 and do not answer calls from strangers, so I have blocked the calls. I can provide the times and dates of the daily calls. I have tried to text PayPal Credit, they do not respond. 
Additionally, I have logged into my PayPal account which I use for purchases and I have no debt or problems with with that account. I have reported these calls to them as fraudulent.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VA)

Debit card with Citibank has been blocked for a month. I can not access my money for a money and falling back on payments and living expenses. The bank can not verify me any other way that a letter which i havr not received for more than a month. The agenta disconnect the call every time i ask for an escalation or another method to help me.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (DE)

I made a purchased on XXXX marketplace last month. I paid for the item and the seller never shipped the item contacted cash app and did a complaint and they never refunded me so I gave away more than {$100.00} to a person that never shipped out an item. Cash app refuses to refund me.