davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I have a checking account with Citizens bank, I recently used them to deposit a check that had been sent to me by a family member I am not the only family member to receive this check. I used their mobile deposit option thinking I would use the feature and within 5-7 days my money would be deposited into my account. This check is for XXXX and is a big deal to me, after I used their mobile deposit feature I received a letter in the mail from citizens bank stating I would be seeing my deposit in my account on XX/XX/23, when it became XX/XX/23 I became worried and called them. They told me that they were having trouble verifying where the funds were coming from and then told me over the phone that I would not be receiving the deposit until XX/XX/23 because of verification problems, that to me was unacceptable and in some way can not be legal due to regulations on banking, after this phone call I called the person that sent the check to me they said that the funds were taken out of their out of their bank account on XX/XX/23 all XXXX XXXX after a couple more days I decided to call again because I was frustrated and wanted more answers as to why it would be XX/XX/23. I asked to talk to a supervisor and was put on hold until then I finally reached a supervisor that told me that if I was able to get a number from the other bank stating they verified the funds and that it was taken out of the account that that would speed up the process. They told me they can not cancel the check, that they do have the XXXX $ and they also stated nothing on the check was unusual. I am writing this now because even after I gave them the information from the other bank they still have not updated me about anything, they still have not called me and I do not believe they are making efforts to make this resolution come true. I am never using citizens again as I feel they are scammy and thiefs. If there is anything you can do thank you I appreciate the help thank you.
Consumer complaint received 2023-05-19
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. (CA)

Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 15 USC 1681 section 602a. States I have a right to privacy. 

15 USC 1681 section 604a. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 7 years.

15 USC 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 2023-05-19
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2017-03-20
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

This is an ole Debt. which was misrepresented by neglect or " breach of agreement ''. I am a veteran, XXXX. at time of XXXX I agreed to the amount of $ XXXX monthly on the XXXX of each month. I explained to the representative that I was a Veteran. My check is the XXXX of the Month. According to the date the XXXX falls on. At the time of the Agreement {$250.00} was there but from Previous Month. The Representative drafted the amount, that is what caused the " Insufficient Funds ''
Consumer complaint received 2023-05-23
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. (CA)

I have been a victim of identity theft due to my information being involved in XXXX, XXXX, and Transunion data breaches. I have many unauthorized accounts listed on my reports that are ruining my reputation with the banking system and hurting my chances with getting a mortgage. I also sent in all necessary document evidence and the credit bureaus are willingly infringing on my consumer rights. Not only are the accounts inaccurate but they are being reported without valid evidence.
Consumer complaint received 2023-03-02
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. (PA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : DEPT OF EDUCATION/XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : XXXX ; DEPT OF EDUCATION/XXXX XXXXXXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {XXXX} ; DEPT OF EDUCATIONXXXX  XXXX Date opened XXXX XX/XX/XXXX Balance : XXXX} ; DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : XXXX} ; XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX XXXX XXXX {$110.00} ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX on XX/XX/XXXX.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

The charge of {$710.00} with XXXX is being disputed due to their failure to provide full credit for a returned order, despite promising to do so. The items were returned within the specified XXXX time frame outlined in the merchant 's return policy, yet the credit received was less than the total amount charged. To support this claim, we have attached the necessary documentation including the merchant 's return policy, proof of return with the full address to which the package was returned, and confirmation of delivery tracking number. 

I contacted Citibank on XX/XX/2023, XX/XX/2023 and XX/XX/2023 to address an issue with Case ID : XXXX and requested that Case ID : XXXX be reopened. I am composing this letter to request that the investigation be reopened. To support my claim, I sent proof of return tracking via XXXX XXXX delivery confirmation, and a copy of my receipt from the merchant indicating that my Citibank Mastercard ending in XXXX should be credited {$710.00}. These documents were emailed to XXXX on XX/XX/XXXX, XXXX, and XXXX of XXXX. Please note that all documents were submitted before the investigation for XXXX ID : XXXX was complete. 

On XX/XX/2023, I received a letter from Citibank requesting additional information and a signed letter, which I provided and returned via email to XXXX on XX/XX/2023. However, on XX/XX/2023, the investigation was closed by Citibank, stating that the merchant issued a voucher. 

Nonetheless, I have not received a voucher from the merchant, rendering the dispute 's closure and my account 's rebilling invalid. As far as I know, there is no substantiated proof that a voucher was issued, and the merchant has not provided Citi with a copy of the voucher or any information on how it was issued. Therefore, I am requesting that the case be reopened. The merchant should provide a comprehensive explanation of how the voucher was issued, rather than implying its issuance.
Consumer complaint received 2023-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (NY)

Reference number XXXX Creditor account number XXXX My XXXX XXXX XXXX didnt get this and was not able to process this payment at the moment, I tried to notify, if tried again my XXXX XXXX XXXX Member ID number is XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I submitted XXXX different letters to the transunion credit bureau XXXX on XX/XX/23 & the other on XX/XX/23. Both letters specifically requested a copy of my free credit report, full validation and a copy of the original page by page contracts of XXXX student loans with my full name, social security number & signatures on them. Both letters were sent certified with tracking numbers but the only response I received was validation but nothing else both times. I contacted XXXX years ago for the copy of the original contract but they refused stating since I was only the co-signer I would have to contact my ex for permission to access that information. The problem with XXXX response is that even if I wanted to I no longer have contact with my ex because she fled from Colorado to parts unknown in Texas and changed her number after I put out when she cheated on me.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (IL)

I'm experiencing distress, dissatisfaction, and anxiety due to the recent updates in my credit report. Despite consistently making timely payments, there are now late payment remarks on certain accounts. I have not missed any payments, and it's crucial that this issue is rectified urgently. I need your assistance to ensure that my credit report accurately reflects all payments made on time, ensuring its complete accuracy.
Consumer complaint received 2023-03-29
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. (NC)

XXXX XXXX  This is stopping me from getting a house and car loan I have tried several times to get it remove the company didn't find anything wrong they couldn't send any proof no just saying the account was verified 15 U.S.C 1681 there shouldn't be any damages on my report
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC (FL)

XXXX sent me a credit card in the mail claiming " Here is your new XXXX Card '' with a credit line of $ 150XXXX. They put my name and my company name on the card. The card had a " call now to activate '' sticker on front, just like a new credit card would have. Neither I nor my company requested a card or line of credit. When I looked on back of the letter in fine print it said, " This is not an offer of credit. We reserve the right to verify your financial information and confirm your credit worthiness. Includes but not limited to verifying banking and credit info. I believe this is a ploy to get you to give your info over the phone and they prey on unknowing people who trust the mail they get.
Consumer complaint received 2021-01-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (MO)

I told them that I don't have the money right now. I would be able to pay on this bill next month. They said NO, and that I needed to make a payment now. I owed some where around XXXX. My payments are XXXX monthly. They call 5 days a week sometimes I answer and tell them the same thing over and over.
Consumer complaint received 2023-05-19
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. (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 : US DEPT ED Account Number:XXXX  Account name : U S DEPT OF ED/XXXX Account Number:XXXXXXXX Account name : XXXX  Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or 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.
Consumer complaint received 2018-03-13
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. (AK)

Equifax has falsely verified several accounts in question. They claim that XXXX XXXX is my accounts. How??? The so called charged off accounts of the that XXXX claims is the Origional creditor is nowhere on any credit file .... Not Equifax, Not XXXX, not XXXX. Tell me, how can a company collect on a non exsistant account??? Equifax not only falsely verified these accounts, but refused to disclose how and any documentation that was used to verify these accounts. XXXX sent me a 4 year old statement dating back to 2015. How is this validation???
Consumer complaint received 2023-03-28
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. (IN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (TX)

The recent changes in my credit report have left me feeling distressed, dissatisfied, and anxious. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.
Consumer complaint received 2024-03-29
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. (MD)

On XX/XX/XXXX, I filed disputes with Equifax, XXXX and XXXX regarding XXXX ( dba XXXX XXXX, servicer " XXXX XXXX  ) regarding the errors and account history. On XX/XX/XXXX, the date of the last reported update to the credit reporting agencies by XXXX incorrectly reports the mortgage balance as {$350000.00} ; date last payment XX/XX/XXXX ; actual payment {$5700.00} and date of last activity as XX/XX/XXXX. On XX/XX/XXXX, XXXX ( aka XXXX XXXX ) sent a correspondence to me indicating the have provided updates to the CRA disputes. I went online to my accounts to all three of the Credit Reporting Agencies to review the dispute results and credit report updates reported. XXXX 's reported to the CRAs that their information was accurately reported and made no corrections. I submitted a dispute second dispute with all three CRAs on XX/XX/XXXX, and requested a reinvestigation of XXXX ( aka XXXX XXXX ). I submitted copies of my mortgage statements from XXXX to the CRAs as evidence that the mortgage balance is {$350000.00} and timely mortgage payments for XXXX and XX/XX/XXXX were paid. On XX/XX/XXXX, I received correspondence from XXXX indicating that the received the inquiry from XXXX regarding my dispute and that they responded to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called the Equifax and XXXX CRA dispute resolution departments. I was informed that the only way that the corrected mortgage balance ; and monthly historical account information for XXXX, XXXX and XX/XX/XXXX could be changed is initiated by XXXX, regardless that CRAs have the document evidence that the information proof that XXXX is failing to accurate report the mortgage balance and monthly historical payments since XX/XX/XXXX. On that same day I also called XXXX ( XXXX XXXX ) to express my complaints that they have negatively impacted my XXXX score which has discreased by XXXX points as a direct result of their failure report my mortgage payments since XX/XX/XXXX. The XXXX score show that only three months of mortgage payments have been by XXXX XXXX. I am directly being severe harmed financially and my ability to obtain XXXX  financial aid ( XXXX  loans ) is directly harmed by the decreased credit score. My daughter is going into her second  year of XXXX  for XXXX XXXX. My credit score is directly used in the XXXX XXXX XXXX XXXX XXXX Loan Application. Further, I am not able to apply a Home Equity Line of Credit with my Federal Credit Union, who told me to wait 6 months for the XXXX to show my mortgage historical account information. I will not be able to send my daughter back to XXXX  in the Fall XXXX if I am unable to secure XXXX XXXX XXXX XXXX XXXX loan because of the harm that XXXX ( XXXX XXXX ) has caused for their failure to fairly and accurately report to CRAs.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was a victim of ID Theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : XXXX XXXX XXXX | NXXXX XXXX XXXX | XX/XX/XXXX | Equifax. 
XXXX XXXX | XXXX XXXX XXXX | XX/XX/XXXX | Equifax. 
XXXX XXXX | XXXX XXXX | XX/XX/XXXX | Equifax. 
XXXX XXXX | XXXX XXXX | XX/XX/XXXX | Equifax. 
XXXX XXXXXXXX XXXX XXXX | All Banks | XX/XX/XXXX | Equifax.
Consumer complaint received 2023-05-19
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. (TN)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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