davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Approximately late XXXX XXXX, I have been working with XXXXXXXX XXXX to obtain a Mortgage Loan. My Lender ran my credit report, initially, I was told there were two files under my name, and I would need to send a letter to them to verify my name, and address and provide a copy of my Social Security Card. I was told there was a fraudulent alert on my credit file. I was told once I submitted these documents, then my file would be updated. I provided Equifax with copies of my documents, I contacted them to verify that my credit file has been updated. My lender has since ran my credit report a couple of times to which it is still showing fraudulent. I contacted Equifax today, I spoke to XXXX to verify my address and to find out why my credit report is still showing fraudulent. I was assured by XXXX my credit file has been updated, I was told there are no freezes, or fraud alerts, and my current address is what they have on file. My lender ran my credit again, which it is still showing fraudulent. Because of this, it is affecting me from proceeding further in the mortgage process and is damaging my credit score, which I have worked very hard to improve.
Consumer complaint received 2017-08-21
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. (TX)

I have sent multiple disputes to XXXX about excessive unauthorized inquiries on my report which is a clear violation of Fcra regulations and XXXX sent the response that companies do not need my permission to run my credit which is not true the Fcra says if creditors do not have my permission they are unauthorized
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

The bank closed my account XX/XX/23 I went to a local branch in XXXX PA and pulled out XXXX and was told I could pull the rest out at a later date. I went for 6 days in a row to different branches and was unable to withdraw my funds only to be told they are mailing a check out. No one knows where the check is going or when it will be delivered.
Consumer complaint received 2023-10-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION (GA)

XXXX XXXX XXXX I was told to make wire transfer on XX/XX/2023 XXXX funds through XXXX XXXX XXXX The Company Information provide to me did not work, and I purchase a Cashier Check XX/XX/2023 and mailed to this address over night. To XXXX SN Servicing Corp XXXX XXXX XXXX XXXX XXXX CA XXXX, Cost about {$85.00} next day. I sent a copy to by email to XXXX XXXX XXXX of the Cashier Check for {$2000.00} and Recievied a call from ask what happen and I told her, I found a buyer for the House ans would close XX/XX/2023 and She replied call and make sure SNC recieved payment. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX. Company blocked my attempts to save my home.They provided incorrect information. Failed to honor in-process modifications.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (GA)

I purchased a XXXX XXXX XXXX from US Auto Sales in XXXX. I have been paying them on time.They went bankrupt and Westlake Portfolio management which is a debt collector has been calling me trying to get money from me for this car. but they do not have my contract with a wet signature nor are they a lien holder on my car.They sent me information saying i have to pay them {$25000.00} for this car.i only bought the car for XXXX and have been paying for a year so that isnt correct. i call them and try to talk to them about it and my concerns but they just keep demanding payment or they are going to re-po my car.i am a XXXXXXXX XXXX  and i am under enough stress.i feel like what this company is doing is illegal.how can they start a new contract for more money? i do not trust this company and only get angry representatives on the phone.
Consumer complaint received 2024-02-06
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. (LA)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I am writing to file a formal complaint against Citizens Bank regarding several accounts ( Checking, multiple CD accounts ) My father passed away on XX/XX/2023. His accounts at Citizens were designated as payable on death to me, his son and only heir. 

On XX/XX/2023, I downloaded, completed, notarized, and submitted the appropriate Citizens form with an original death certificate to begin the process of closing the accounts and transferring the accounts. 

On XX/XX/2023, after not hearing back from Citizens, I attempted to inquire about its status by contacting Citizens Bank 's customer service. However, I was directed to my father 's bank branch in XXXX XXXX, PA. The bank representative at the branch confirmed that they had received the information about my father 's passing and requested additional documentation, specifically a funeral bill, which I promptly provided. The next day, I was informed that the release of funds hinged upon my submission of a short form from the Pennsylvania court system. 

I told the bank that I will not be able to provide a short form as there is a delay in processing the will ( which does not affect a payable on death account. ) XX/XX/2023 After consulting with an attorney, I have come to understand that such documentation is unnecessary for accounts designated as payable on death. Furthermore, there is a time constraint as I have less than a month left to take advantage of the opportunity to settle estate taxes ahead of schedule to receive a discount in relation to these accounts. 

I sent a registered letter to Citizens corporate address, XXXX XXXX XXXX, XXXX, XXXX XXXX. They confirmed that they received the original form, but then sent then forwarded my letter back to the branch that is denying the account transfer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I requested an update by XX/XX/2023 and have not heard back from the bank handing the account. 

It's important to note that Citizens Bank is the sole financial institution requesting this additional, unnecessary information. 

This situation has become increasingly frustrating, exacerbated by the fact that despite my efforts to seek assistance from Citizens ' customer service and to connect with someone knowledgeable in estate planning, I am consistently redirected to the branch that has deemed these extraneous documents necessary.
Consumer complaint received 2017-07-17
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. (CT)

My current credit report lists   XXXX   XXXX   XXXX   XXXX   XXXX   as being 120 past due with  XXXX  missed payments since   XXXX   2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made  XXXX  payments since   XXXX   of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with Transunion. I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my  FICO   down  XXXX  points.
Consumer complaint received 2023-02-24
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)

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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX is an account showing wrong late payments in my credit report .... when is not ... ... .I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NJ)

i do not want   XXXX   XXXX   to answer this complaint first answer was in refernece to wrong account.
  XXXX   XXXX   XXXX   ending in   XXXX   non profit account deactivated in   XX/XX/XXXX  last year while service fees were charged i did not know about want fees waived  and time needed to meet requirements so i want a waiver on fees. i shoud have been noticed about fee changes and deactivation. please dont respond look at statements did not get them. i should have been noticed about deactivation. no  XXXX  please do it NO   XXXX   answering this. someone else he always stonewalls
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (NY)

On XX/XX/2023 I opened an account with XXXX united mortgage and submitted paperwork that I earn money and that I dont have monthly only taking out as I can and I made my payments and then I was late I spoke to them and tried making partial payment and they did not let me so I had to wait till I can make the payment and it became even latter and now they have on my report that I was XXXX 90 days late which is not true and as I am looking they still have not posted it and or removed the late as I was promised
Consumer complaint received 2023-06-14
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. (FL)

My name is XXXX 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 2023-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

In late XXXX of 2023 I received an advertisement in the UPSP mail from Chase saying if I opened a new checking account and deposited money electronically by XX/XX/XXXX than I would get a {$220.00} bonus for opening a new checking account. In addition to the physical mailed advertisement I received an email from Chase also saying I would get a {$220.00} bonus if I opened up a Chase checking account and set up electronic deposits into it. I opened my new checking account and my first electronic deposit of {$500.00} happened around XX/XX/2023 followed by another electronic deposit of {$500.00} XX/XX/2023 followed by a third electronic deposit of {$500.00} that is happening right now for a total electronic direct deposit of {$1500.00}. I have not received the deposit from Chase, so I called them and the representative told me I need to look at the fine print and not look at the large bold print in both advertisements Chase sent me. In the fine print Chase says you have to deposit a paycheck directly from an employer or a government agency like Social Security to get the check. If this are the rules or hurdles Chase is going to create for consumers to receive the bonus they are promising then these rules need to be in the visible and large print of the multiple advertisements Chase is sending in their solicitations. I went to alot of trouble to open this checking account and follow the rules, and I feel like Chase is doing a bait and switch. I want them to pay me the new account bonus of {$220.00} because I followed the rules they explicitly advertised in large bold print in their advertisements inducing consumers to open a checking account. I would not have opened a checking account with Chase if it were not for these written advertisements.
Consumer complaint received 2023-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Albert Corporation (CO)

XX/XX/XXXX I opened a claim with the banking app Albert. I had them cancel my existing card & send me a new card. My debit card ultimately was used as credit for {$140.00}. They denied my claim because The transaction pattern and associated activities arent indicative of fraud. 
The transaction pattern isnt indicative of fraud. 
Deposit ( s ) occurred immediately before disputed transactions, indicating awareness of the balance and authorization.
Consumer complaint received 2021-12-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX is calling using an fake or spoofed caller id. They have called numerous times with fake caller id.
Consumer complaint received 2017-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

On  XXXX   XXXX ,    2015 I re ceived a call fro m Chase to verify  some activities on my account. I told the rep then that I have n't done anything in my account and did n't recognize any of the transactions from the particular account they were referring to. ( At the time I had  XXXX  accounts wit h Chase ).  So that 's when I realized that I had lost my debt card and also informed the rep of this as well. Not only were they able to gain access to my online banking but also made changes on my account. On this same date  XXXX  check deposits were made for {$740.00} and {$760.00}, then on  XXXX   XXXX ,  2015   XXXX  more check deposits were made of {$740.00} and {$740.00}. Which were desposited via ATM in  XXXX , IL, I live in  XXXX   XXXX , NJ. They were some construction company checks that I 've never heard of.     In my account at that time was my rent amount of {$1500.00}, which was taken out via ATM withdrawal on  XXXX   XXXX ,    2015. On ce these checks were in the account they withdrew the monies as money orders for those same amounts listed above. I went back and forth with Chase for almost a week signing documents, questionnaires and dealing with some supervisors over the phone with nothing to be accomplished.     Even until after the holidays I was n't able to get this matter resolved until they finally decided that they were going to close all of my accounts with Chase and not be refunded {$1500.00} the monies that was withdrawn from my account at the time the whole fraud case began. But they are also penalizing me for monies owed to them in the amount of {$2300.00}. And wo n't be able to do business with them for the next 7 years
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANKERS HEALTHCARE GROUP LLC (FL)

Received XXXX texts from an XXXX XXXX XXXX asking to speak to me regarding " changes in my account. '' I that any changes to an account agreement has to be sent as a written notice. I also asked that he stop texting using the number he had used, as I had not consented to text messages. 

He replied that he would send the " changes '' in writing via email. 

I was expecting changes to the terms, however, what I got was a XXXX request to fill and signs forms for auto-pay. 

I imagine some people who don't read or feel flustered by this type of communication from a bank would just fill and sign the form without question. 

This is a PRESSURE tactic to have consumers agree to automatic debits from their accounts. This was not a requirement of the agreement to have a credit card with Bankers Health Group, and clearly is an underhanded attempt at having customers agree to a service they did not ask for or wanted in the first place. Of course, for those who sign without reading or knowing any better, the tactic allows BHG to say they did actually agree to direct debiting and have a signed document to prove it. I agreed to open this account because it was promoted by a professional organization I belong to - I regret having a business relationship with this company as this is not the first time they use pressure tactics to try to get me to agree to more of their products.
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX Name : XXXX XXXX XXXX XXXX, 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 an account without my written instructions
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern : All collection accounts You're reporting this collection as a " OPEN ACCOUNT '' which isn't under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

The agency cant prove I owe them the debt Ive asked for original documentation stating I contracted with them Have asked for it to be removed from credit because one or more is a Hippa violation Sincerely, XXXX XXXX
Consumer complaint received 2024-02-06
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. (MD)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NV)

Hello, Receiving notes from a XXXX XXXX XXXX  stating that we owe a {$110.00} payment to XXXX XXXX, which is not true. I do not believe this is my account as any activity with XXXX many years ago was paid and equipment returned.
The collection attempt is erroneous.
Thank you.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I called Experian Consumer Credit Reporting Agency to dispute several inaccurate entries on my consumer report such as outdated addresses, additional names, and speaking with representative I was told that an outdated address could not be removed because it was tied to an account and could not be removed, I expressed concern and verbally asked representative was he deliberately violating my constitutional rights to privacy and accurate and complete information per Fair Credit Reporting Act. 

Because he don't have my consent to control my consumer report at free will. I received an email later that day XX/XX/XXXX saying my dispute has been updated. On XX/XX/XXXX I checked my credit report and to my surprise an old outdated address from XXXX has been added to my report. Experian constantly, knowingly, willfully deprive me from liberty, life and the pursuit of happiness and abridge on my Constitutional Rights. 

I have never had a XXXX credit score evidence from XXXX that is within their system, I have been subjected to the custom and usages of Experian violating FCRA, FDCPA, Bill of Rights. Experian has defamed my character, willfully confined me financially, denied me of accurate, complete information within my consumer report and deny my right to privacy according to the The Privacy Act XXXX. Experian constantly add old outdated information to my report every time I dispute outdated information. As a consumer I have rights that should not be violated.