davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

CITIZENSONE CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT ID COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE XXXX XXXX IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT. 


PLEASE DISCONTINUE THE THREATS AND VIOLATIONS OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, AND REMOVE THE CITIZENSONE FRAUDULENT IDENTITY THEFT ACCOUNT FROM MY CREDIT XXXX REPORT.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX XXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-31
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX, AND EXPERIAN ARE IN VIOLATION OF violates 1681e ( b ) FCRA FOR REPORTING FRAUDULENT ACCOUNT INFORMATION : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$970.00} Status Account charged off. {$970.00} written off. {$970.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$120.00} Status Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/XXXX.
Consumer complaint received 2022-12-13
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. (TX)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

A bank employee accessed my password protected account without my permission and did transactions without my permission and the CEO wants me to be responsible for what employee did and when I disagreed they turned me over to the three credit Bureau and ruined my credit and on credit sesame they turned me over for XXXX $ in XX/XX/2022 and there is no XXXX $ issue
Consumer complaint received 2022-12-13
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. (TX)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (PA)

I am reaching out seeking your assistance as it relates to a financial breach I have had regarding my bank account. I am currently banking with Chime ( online bank services ) and on Saturday, XX/XX/2022, at approximately XXXX, almost my entire savings was anonymously depleted. The timeline of events are as follows : XXXXXXXX XXXX EST, received an email bank alert from Chime stating unusual activity. 
XXXXXXXX XXXX ESTXXXX received another email stating {$5000.00} has been transferred ( to an email address ) XXXX XXXX EST, received another email stating my email address was changed XXXX XXXX EST, received another email stating my telephone number was changed I contacted Chime ( via phone ) financial services at the following times : XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX Upon each instance, I was told that a representative will be following up with a case number shortly. I have spoken to XXXX Chime customer service ( transferred ) representatives and I am yet to hear back from the Chime team with an update. 

I have been locked out of my account as a result, am not sure what are the next appropriate steps and have, so far, considered filing a police report in an attempt to rectify my accounts. I look forward to hearing from you soon and working together to resolve this major financial discrepancy.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

o Whom It May Concern, My name is XXXX XXXX, and I have recently become aware of several unauthorized accounts that have been opened in my name. Regrettably, this has occurred as a result of identity theft, and I have currently taken the necessary steps to rectify this situation. I have already submitted multiple disputes regarding these unauthorized accounts and have provided documentation to support my claim. This includes a copy of the police report that I filed following the discovery of fraudulent activity, as well as official identification documents to verify my current address. I kindly request that you take immediate action to remove the inaccuracies and damaged items from my credit file. It is essential that these issues are addressed promptly to prevent any further negative impact on my financial standing. I trust that you will prioritize this matter and proceed with the necessary steps to rectify the errors on my credit report. enclosed is a copy of my police identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2024-03-11
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. (TX)

I am writing to you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an account listed on my credit file, which I believe to be inaccurate and incomplete. 

The account in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate this account and take appropriate action to correct any inaccuracies. 

Furthermore, I would like to request verification of the aforementioned account. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the account without delay. Kindly assisst me to correct this account : OAG XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ROC Asset Solutions, LLC (CA)

My family and I have been receiving harassing calls from a debt collector company called API Recovery Solutions. One of their representatives calls my mothers house multiple times per day and called both of us at XXXX today. When I called back the representative was very rude and said if I did not make a payment arrangement on a default loan today he was going to submit my file for review so they could sue me or set up wage garnishments as I am refusing to make payments on the loan. I told the representative ( a XXXX XXXX that he no longer can call my family any more and that him calling me so early in the morning is a serious problem. The rep then advised me is company is not a debt collector but a " mediation company '' so he does not have to put my family on a no-call list and refused to transfer me to a manager/supervisor when I asked for one. He then proceeded to hang up on me after telling me I do n't sound like someone who wants to handle my responsibilities.
Consumer complaint received 2022-11-03
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. (WA)

I submitted a letter to the 3 Credit Bureaus to adjust this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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. (TX)

This is XXXX XXXX submitting this CFPB complaint to follow up the previous CFPB complaint I submitted. I sent a letter on XX/XX/XXXX requesting the Credit Bureaus to remove reported account that are UNKNOWN to me. I came across the law and and have read and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX and # XXXX, and I am including the following fraudulent accounts once again : XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance XXXX XXXX  XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$510.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX  and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2017-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

XXXX XXXX, 2014 ( 3 yrs, 5 mos ), {$710.00}, XXXX XXXX XXXX Never respond back to my letters. Because I have never been to this hospital.
Consumer complaint received 2022-12-13
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. (GA)

I have disputed numerous errors on my credit report and the reporting agencies have failed to follow FCRA and FDCPA guidelines when it comes to verification of alleged debt. 

Numerous have not been factually documented. 

They have not been physically verified as true. 

They are not complete as reported. 

They have not provided sufficient evidence to me that shows known responsibility and ownership ( not one person has sent an original contract with my signature showing I agreed to conduct business or enter into a contract with alleged debtor ) The compliance of reporting is a minimal of standard. I feel that not all items that meet collection standards meet the requisites of reporting. I am asking the credit bureaus to review every last item being reported to meet these standards and to be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

I have XXXX set up on Discover so that they withdraw the minimum amount every month. I also make additional payments throughout the month to offset any charges I incur during the week, and in fact pay more back because I round up to the next {$10.00} so as to work on decreasing my principal balance, and I also try to make additional payment just for the interest charged. So then I expect my minimum XXXX to also go through, thereby further decreasing my balance. Well Discover instead of putting the additional payments to principal, they deduct it from my minimum due, until it gets paid first, and my payments then do not go to the principal. I have requested that they not do that, but to keep my scheduled minimum payment as is, and put the additional money toward principal. They say they can not do that, which is untrue. I would understand if I did not have XXXX set up/scheduled, that any amount paid would have to go toward minimum first, but in the case of scheduled payments, any additional payment should go to principal. This is just infuriating bc it prevents people working to get out of debt, to actually get out of debt and so that large companies continue to make huge profits off of us.
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed numerous errors on my credit report and the reporting agencies have failed to follow FCRA and FDCPA guidelines when it comes to verification of alleged debt.

Numerous have not been factually documented.

They have not been physically verified as true.

They are not complete as reported.

They have not provided sufficient evidence to me that shows known responsibility and ownership ( not one person has sent an original contract with my signature showing I agreed to conduct business or enter into a contract with alleged debtor ) The compliance of reporting is a minimal of standard. I feel that not all items that meet collection standards meet the requisites of reporting. I am asking the credit bureaus to review every last item being reported to meet these standards and to be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (GA)

I have disputed numerous errors on my credit report and the reporting agencies have failed to follow FCRA and FDCPA guidelines when it comes to verification of alleged debt. 

Numerous have not been factually documented. 

They have not been physically verified as true. 

They are not complete as reported. 

They have not provided sufficient evidence to me that shows known responsibility and ownership ( not one person has sent an original contract with my signature showing I agreed to conduct business or enter into a contract with alleged debtor ) The compliance of reporting is a minimal of standard. I feel that not all items that meet collection standards meet the requisites of reporting. I am asking the credit bureaus to review every last item being reported to meet these standards and to be verified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NH)

I applied for the XXXX limited waiver in XXXX of XXXX. Since then the process has been excruciating. Customer service through one company located my qualifying payments from XXXX and XXXX forward but then nothing else was done. I spent at least XXXX hours on hold, to get no answers, or misleading information. No one ever tried to or did locate my payments made between XXXX, so I found and submitted them. 

My loans were transferred to Mohela in XXXX and I sent XXXX separate messages asking for clarification about these missing payments and did not get any response until XXXX. The response was generic and it told me to call a phone number. I was placed on hold for approximately an hour to locate a supervisor from the Customer Advocacy Team. She could not and did not help, except to tell me that 6 years of my loans were not eligible or ineligible, but couldn't even be counted because I was allegedly a XXXX XXXX XXXX. I was not a full time or even half-time student during those years and was informed to submit a letter stating this, which I have now done on XXXX different websites. 

No one can find my loans from XXXX STILL and the Customer Advocate told me that since I just submitted them ( which was not my responsibility ) it will likely be another 90 days on those and there is nothing she can do. 

Because it has been a year since I applied, I then had to re-submit proof of my current employment, which I have done and again, no-one has reviewed it. 

I have spent about XXXX hours of my life trying to engage with this system. I have been on hold for a total of at least XXXX hours with no real help. I am a highly educated and motivated individual who happens to have some time to do this. If I was a single working mom it is likely I would have given up by now. As I told the woman who was supposedly a customer advocate, this is a system intentionally designed for failure. They need and want people to give up. 

The government should create a real advocacy system for borrowers who may still be working XXXX jobs to make ends meet and do not have the time for this. The lack of communication is astonishing. The waste of time and taxpayer money just on my case is astounding. Why doesn't someone just take my file and work with it until it is done? Instead it is shoved from one system to another with more and more people throwing their hands up in the air and saying " sorry, I can't do anything ''. 

I spent XXXX hours of my life on this yesterday. I feel that nothing will come of it. The system is a sham. Someone should be hired to re-vamp and fix this whole system.