davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XX/XX/XXXX, I XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX made a deposit of {$6000.00} usd to my business account, when i made the deposit i was advised that because it was and international certified bank check it would take anywhere from 3-6 months for the money to be available. On XX/XX/XXXX i got tired of waiting and went to talk to the branch manager of Citizens bank located at XXXX XXXX XXXX XXXX RI XXXX. At that time we spoke with man by the name of XXXX XXXX. At that time i was told that the back had actually lost the check and did not have a clue as to where it was. My daughter and i spoke to this man and he told us that we would have the funds available by the end of the day or by the latest Tuesday the XXXX he just needed to speak to his boss and he would call us back by the end of the day. He did not call me back my daughter called at around XXXX to speak to XXXX XXXX he then told my daughter to give him the rest of the week to get what he needed to make the funds available to me. So, i waited until the end of that Friday XX/XX/XXXX and no call back. On Tuesday my daughter called to speak to XXXX XXXX and he was not available, so my daughter left a message for him to call us back. Only to get a phone call back with in a few minutes by two men that said that their name were XXXX and XXXX, they would not disclose their last name or their job titles. My daughter was then asked again what happened to the check she explained the same story again and they told her that I would have to get a replacement check. I cant afford to go back to XXXX where the certified check came from wait 7-10 business days for their police department to address the lost check then wait another 7-10 business days for the bank to do their check up to see if the check was indeed cashed or not. My mother passed in XXXX of XXXX which is why i was in XXXX. and to be safe instead of traveling with cash i opted for a certified bank check. Now Citizens bank wont own up to their mistake and want me to do all the work while they have me waiting for something that they lost. I need my money back i am not even asking for anything other than my money. My daughter went to the bank again on XX/XX/XXXX and after being ignored by XXXX XXXX for a good 30 minutes he walks back into the building to tell her that they close at XXXX and if she did not leave they would call the police on her. She did call the XXXX police department and they advised my daughter to place a complaint and try to speak with higher ups at citizens bank.
Consumer complaint received 2024-03-22
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 have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TIDEWATER FINANCE COMPANY, INC. (MN)

I obtained a Tidewater credit line from one agent in a XXXX XXXX store ( XXXX XXXX, MN ) in XX/XX/XXXX. While he quickly walked us through the terms, I believe he intentionally concealed / lied/was deceptive about interest and falsely represented this product to be interest free for one year upon which interest would resume on the balance. I signed up and paid without fail, over {$200.00} a month in hopes to pay off ASAP and avoid interest. When the year was up, they added {$500.00} of interest in the balance and warned to increase daily interest at 34 % daily if I don't pay immediately. I paid {$290.00} which was owed and requested to have the interest cancelled or resolvedas I believedI had been fraudulently misguided. 
They refusedandhave sincecalled several times harassing me and more recently ( XX/XX/XXXX ) an agent called XXXX ( ID ) called and asked me to use my stimulus pay to off the balance. At this time, they are refusing any attemptto resolve the issue of stop the interest accrueduntil the issue is adjudicated. 
I am writing in hopes that you are able to intervene in any way to prevent furtherdistress and offer relief to me as their customer.
Consumer complaint received 2024-03-22
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NV)

A few days ago, I submitted a dispute to an item in my Experian credit file via their online portal. Since that time, I have been receiving daily email advertisements from Experian that are unrelated to my dispute ; the latest was an ad for some sort of " dark web scan. '' Clicking the unsubscribe link in the message shows You are currently unsubscribed. However, the message itself also states : This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian XXXX XXXX, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. 

15 U.S.C. Chapter 103 requires senders of commercial email messages to provide a working opt-out mechanism. They can not choose to simply ignore my previous request to unsubscribe. 

Experian does not have my consent to promote their goods and services to me via email. I provided my email address because it was required in order to dispute the false information in their report. Using it for advertising purposes is immoral, and refusing to honor unsubscribe requests is illegal.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO)

I have been in good standing with carhop for XXXX and not a single loan for the now XXXX vehicles have been reported on my credit report. None of my early payments none of the payoffs nothing, it's as if I never did business with them. From 2016 to today.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (DC)

As an investor affiliated with this company, I am compelled to address the closure of my account on XX/XX/XXXX, followed by its charge-off on XX/XX/XXXX, attributed to " non-payment ''. This matter perturbs me due to the provision of an application I did which turned into a security which can be sold to a third party which makes it a promissory note. Not to mention they make all bonds out of all applications from which they have indeed realized guaranteed returns. Despite this, my account remains closed. I am keen to rectify this situation by tendering the appropriate payment through the prescribed method. Furthermore, I wish to draw attention to the commitments delineated in the company 's prospectus submitted to the Securities and Exchange Commission ( SEC ), emphasizing the obligations incumbent upon them, which I believe merit further consideration.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

On my credit report ( XXXX ) for the XXXX main credit agencies, the accounts noted in the enclosure were " charged off ''. According to IRS Publication ( s ), charge-offs are considered income, and income can not be reported on credit reports.
Consumer complaint received 2021-01-06
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. (CA)

As an XXXX  CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Federal law protects the privacy of my personal information. In order for ChexSystems to be sharing my personal information to any third party, they need to have consent from me. I never gave them consent to be sharing my information to any third party.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (TX)

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.
Consumer complaint received 2024-02-16
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. (TX)

From the previous complaint, Equifax 's response said that the problem is fixed, and I should be able to sign on to my.equifax.com now. I have told Equifax over and over and over again that signing into my.equifax.com IS NOT THE PROBLEM. I have ALWAYS been able to sign in. THE PROBLEM IS AFTER I SIGN IN, NO CREDIT REPORT IS DISPLAYED! Please see the attachment which consists of screen-prints that show what is displayed on my.equifax.com AFTER I SIGN IN. Thank You, XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I applied for an account at a credit union. Shockingly, the credit union denied my request to open an account stating that I had to contact Chex Systems. 

I attempted to obtain a report from Chex Systems online but the website did not work. 

I would like to see my Chex systems report so that I can identify what information they provided to the credit union. 

I would like to obtain a report from Chex Systems as soon as possible. 

XXXX XXXX
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nobilis Credit Management, LLC. (VA)

I received several recordings from a different numbers indicating that this company was trying to locate me. Number from different states the last number was XXXX. These people also contact my aunt with the same recording. 

When I called the number back they indicated at first they were from NCM I looked up that company and could not find it then they said they were from Noblis Credit Management. I asked if it was a collection company and they said no. They said that they represented their client and I was being contacted because of criminal breech of contract and falsification and he was there to let his client know if he should proceed with legal action. Or if I wanted to settle the debt. I again asked if he was the debt collector and he said no.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (GA)

BBVA report to my credit report that I was late on account XX/XX/XXXX. I had did a XXXX complaint on this company! They only fix XXXX reporting. Today I noticed this company havent reporting my information correctly or posted my payment correct. 

I made a double payment on account for XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called in XX/XX/XXXX, for A deferred payment! Due to a injury and a loss of a family member XXXX
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NM)

I was offered a streamline refinance with Freedom Mortgage, which was supposed to be a quick process by what I was told. I agreed to proceed and have my rate reduced as well as my payment and believed I was in good hands. I was told this process was to take about a month to process. This was started back in XXXX and it is now XXXX and I have not heard from my main contact named XXXX XXXX. The last contact I received was to supply a survey for the tile company and after this was completed I have received no emails or call backs to answer my questions about this process. I have sent multiple emails to XXXX XXXX, XXXX XXXX, XXXX XXXX, and Customer Care with the only response of " we will direct this to the proper department ''. Note : this response was from a customer care representative, not from any of the individuals named above, they have remained silent and have yet to reach out to me over the many emails I have sent. The main reason to proceed with the streamline refinance was to help ease financial stress due to the current global situation. Now 5 months later I have yet to reap from the benefits of this program which I believed was being handle by a competent team of individuals. I would greatly appreciate if I can receive the lower rate in which I was promised and locked in over a recorded line as well as signed documents. I would also like to have up to date communication on this process and have it actually " Streamlined ''.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I have been a victim of identity theft through cash app. Someone impersonated my friend on XXXX and scammed me {$900.00} on cash app as well as took over my XXXX and stole my identity. 

As soon as I realized what happen I put a fraud claim in work my bank- Bank of America and contacted the police for a police report. 

I followed up weekly to see the status of my claim as well as unfreeze my account everytime funds came in to withdrawal them and refeeeze my account to avoid any further funds being stolen. 

After about 2 weeks the bank told me they filed the wrong claim and needed to file another claim.

I was randomly checking my account one day and saw the claim was closed- no letter mailed to me- when I called they said I was at fault- when I once again explained the situation the said they were doing another claim, the previous person I spoke with never corrected the first claim. 

I am already 90 days in the process at this point, and trying to buy a house so this is more frustrating and I am told that the new case can take another 90 days. 

Meanwhile through all this I have been told conflicting information from various employees on the process of freezing abs unfreezing my account, come to find out my account is not being property notated- and this is how the fraud department handles things? They cant even get procedures straight, very alarming I submitted numerous complaints and ask that they be followed up on, never received a follow up. 

The initials fraud took place end of XX/XX/XXXX, last week once again I am looking at my account to find out they are now closing my case again with me at fault because the fraud happened through cash app- which was known the very first say the first claim was submitted, why Put me through over 3 months of waiting, and misinformation? 

They are now saying I am responsible for the {$900.00} taken from me and they will try and deduct the funds XX/XX/XXXX I am enraged with how horribly this was handled. And that my complaints were ignored, I work in banking and know this is unacceptable.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (TX)

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (TX)

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capitol One is constantly sending a debt to my credit report from decades ago for XXXX plus dollars about a credit card debt they say I had but never had. It results on my report update XXXX XXXX. I never had a Capitol One Card in my entire life only Visa.