davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (WY)

This started in 2017. My father and I were doing just fine making the payments on yhe house and then my father was injured and ending up in the hospital and ended up passing away. I then started speaking with XXXX XXXX XXXX  in regards to assuming and modification of the mortgage on my fathers house. So I filled out the application they had sent me and and sent them all the documents at the time they requested. This process continued to go on every month almost with them until Citizens bought them out. I now have been doing the same exact process with them, filing the application, sending them documents and then them saying they don't have everything and sending them the same documents I had already sent. This has happened pretty much every month because they end up stating they didn't receive all the documents and they close my file out and require me to go through the whole process again. I ended up getting another company involved that I have paid to help me to see if I would get anywhere that way but they have continued to do the exact same thing. Its to the point where it is getting absolutely ridiculous. Half the time one department has no idea what the other department is doing or has or doesn't have. 

Also, at the beginning of this process in 2017, I had requested a payout to bring the mortgage current and contacted them to see if they would work with me on the amount. Well the gentlemen I spoke to told me I had to contact the attorney and they could do that. I contacted the attorney numerous times with no call back and then finally reached them and was told the mortgage company was who I needed to speak to. So I was passed back and forth numerous times. Then found out from XXXX XXXX with the VA that neither one has that authority only the VA can decide that. So they wasted almost 2 months of time on my file giving me wrong information.. 

So needless to say with both of these companies, XXXX XXXX XXXX  and now Citizens I have been giving the same exact treatment and put through the same stuff each and every month. When they were staying that they hadn't received documents we resorted to mailing them certified with return receipt requested and they were signed for and still they stated they had not received them.

So, I am asking that this mortgage be allowed to be assumed and modified by me and to quit being put through a bunch of unnecessary XXXX. Also, I would like a formal apology from Citizens.
Consumer complaint received 2022-05-26
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. (AL)

n accordance with the Fair Credit Reporting act 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 XXXXXXXX and 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, have violated my rights as a consumer.

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 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (FL)

I closed out my account with XXXX fulfilled all obligations. There was a {$59.00} charge for some odd reason so I went to the XXXX  store in XXXX XXXX FL and spoke with a rep who I handed the equipment to. She made a call and they concluded that I didn't owe any money, that my account had been XXXX out. 

I had never heard from XXXX after that but about a month or so ago some random collection company was claiming I owed them {$59.00} for an outstanding XXXX bill. I told them the same thing, that my account was XXXX out by a XXXX associate at that specific store and they were saying that they only know what they have. 

I contacted XXXX again, and again they confirmed I had no outstanding debt so now I'm questioning if that was a scam company trying to get my credit card info. 

Today, I see on my credit report a collection notice which has harmed my credit score. 

This seems criminal to me but I reach out to the CFPB to help me with this issue. 

Kind regards and respectfully, XXXX XXXX
Consumer complaint received 2022-05-26
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: AMERICAN EXPRESS COMPANY (CA)

XXXX claims that my purchase valued at {$2500.00} was delivered by XXXX  to my home address and signed by me on XX/XX/2022 at XXXX pm. However, I didnt receive the package, let alone signed for it. Ive tried to file a missing package claim with XXXX but I was told only XXXX, the shipper, could initiate that claim. When I contacted XXXX, they refused to do so without providing me with any reasonable explanation why not. Then, I contacted Amex, my credit card company, and filed a charge dispute and provided them with proof documentation from my employer that clearly showed on XX/XX/2022 I was at work from XXXXXXXX XXXX to XXXX XXXX located XXXX miles away from my home address. That clearly disproves XXXX allegations that I personally received and signed for the package. In short, Ive never received the package and unable to file a missing package claim, sadly, neither XXXX, the merchant, nor Amex, my credit card company take my complaint seriously so I hope you do. Amex clearly states that Im not responsible for merchandise I didnt receive. Facts speak for themselves. Ive provided them with indisputable evidence that I didnt receive the merchandise I ordered.
Consumer complaint received 2019-12-12
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: AmeriCollect (DE)

XXXX  Unfortunately after the results of an investigation into HIPAA violations, XXXX  continues to report these violations on my credit report. AMERICOLLECT, the company in violation has placed the burden of correcting and updating my credit report squarely on XXXX. I am including in this complaint, AMERICOLLECT 'S first response to my request ( validation ) which shows their clear HIPAA violation as well as their attempt at placing responsibility on XXXX. I am also including a copy of a letter that will be sent via certified mail as I am documenting my case without error.
Consumer complaint received 2024-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kason Credit Corporation (CT)

Kason Credit claims I owe an amount of XXXX, this debt is medial debt, in which case, my health insurer, XXXX should have paid. Previously, XXXXXXXX XXXX  attempted to collect on this debt, appears to have sold account to Kason. The amount, {$830.00}, appears higher than previous, it appears Kason may have added on bogus fees for themselves.
Consumer complaint received 2022-05-26
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 XXXX Account # XXXX and 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 a account without my written instructions
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (TN)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (CO)

I received letters from Penn Credit that stated I had 2 XXXX utility  accounts that have gone to collections. One was a water bill and the other was an electric bill. I have had my identity stolen and recognized the address used for these accounts as the same from an internet account that I successfully proved was fraudulent. I called Penn Credit and they gave me the steps on how to prove this that these accounts in collection were due to fraud. They provided me with a " fraud packet '' which included instructions to send documents to a specific address. I followed the directions and I got the certified mail back as " return to sender '' there's a note on the envelope that says the company I was addressing the fraud packet to has not been at that address since XXXX. I told Penn Credit that they provided me with inaccurate information and that they need to provide me with the appropriate information in order to dispute these collection accounts. They have not responded to my email.
Consumer complaint received 2022-05-26
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. (GA)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received the following email the other day that reminded me that I had an open account with XXXX not that long ago ( much less than 7 years ago ) so why doesn't it show up on my credit reports? XXXX is still blocking my access to my own account ( apparently someone has changed my personal history so much that I can no longer prove who I am ) Anyway, here 's the email ; XXXX XXXX, we disabled your current password for security reasons. 

Hello, XXXX XXXX XXXX Please create a new password At XXXX, safety and security are our top priorities, and we routinely monitor accounts for any suspicious activity. We spotted something unusual, and as a precaution, we disabled your password. Dont worry, your account is fine. You just need to create a new password to continue using your account as usual. 

To create a new password : 1. Go to PayPal.com and click Log In.

2. Click Having trouble logging in?

3. Create a new password thats unique to your account. Make sure it hasnt been used before and is hard to guess. 
Once you've created it, your new password is effective immediately. If you have any questions, please contact us. 

XXXX Help & Contact | Security | Apps XXXX XXXX XXXX XXXX XXXX is committed to preventing fraudulent emails. Emails from XXXX will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact.

Not sure why you received this email? Learn more Copyright 1999-2021 XXXX, XXXX All rights reserved. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX : en_US ( en-US ) XXXX : XXXX So, apparently the account is still open, but I have no way of accessing it, but apparently someone else does. Who is the criminal here? The credit reporting companies? Someone stole my identity and then reported 'incorrect ', info and got my own name off of my own account? I still have an outdated credit card from XXXX, but the other person apparently has possession of the other card. Most importantly is that I receive monthly government assistance which I received via XXXX XXXX, from which I often loose funds from, apparently, due to this very same individual, this person must have another card to my account, an account that I have now, except for the debit card itself, I have been locked out of, and apparently, because of this other individual 's address I am blocked from changing the financial institution that handles my government Social Security funds.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

the attached letter is regarding a XXXX  XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX  XXXX XXXX has reported an inaccurate late payment delinquency for the XXXX of 2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as experian, XXXX  and XXXX are not updating their reports, please help to have this inaccuracy updated from the reporting agencies thank you
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

The following inquires are due to fraud and a very misrepresentation of my name and ssn. Please remove the following inquires from my credit file immediately, 1 ) XXXX  XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 3 ) XXXX  XXXX   XXXX ( XX/XX/XXXX ) 4 ) XXXX  XXXX  ( XX/XX/XXXX ) 5 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX   XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX  XXXX  ( XX/XX/XXXX ) 12 ) XXXX  ( XX/XX/XXXX ) 13 ) XXXX  XXXX  ( XX/XX/XXXX ) 14 ) XXXX XXXX  ( XX/XX/XXXX )
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (AL)

Hello! my social security number was used to apply for any used for your company WITHOUT my permission & its causing hard inquiring on my credit report. I feel that it doesnt belong there if I didnt apply to these companies.
Consumer complaint received 2021-10-01
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)

There is an account reporting on my credit file that I requested the bureaus look into because the balance did not seem correct. After several request and they not trying to help they then reported the accounts with a new open date. It is the same account with XXXX XXXX XXXX in the amount of {$540.00} opened XXXX XXXX that showing on my report as of XX/XX/XXXX now that very same account shows XXXX XXXX XXXX opened XX/XX/XXXX they just re-aged the debt!! This needs to be removed. This is a huge violation with the FCRA!
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

Hello Before I file formal complaint with the FDIC XXXX XXXX XXXX and whoever else will listen my name is XXXX XXXX, I have a personal checking account with Chase Bank. My teenage son just started working, and I ran a {$340.00} paycheck throu 3 weeks ago that was cashed and released immediately. I put a second check in, {$770.00} that they have been holding since the deposit was made saying it would be released the XXXX th of XXXX. Now they are saying they're going to close my account if I don't go to a local branch to show my son 's ID which he doesn't have yet because his money had been held since he was paid, and the local branch for is is over an hour and a half away. What is going on with your bank. I would like some answers ASAP. I have been doing business with your bank for years and this is the worst customer service I have ever had. You can't cash one check and not another from the same person same account. 

Sincerely XXXX XXXX
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: REGIONS FINANCIAL CORPORATION (FL)

In 2017 I was contacted by a company called XXXX about installing XXXX in my home. 

They recommended Enerbank to do the financing, I was told that total would be about XXXX And no money would be paid out until I signed off that the installation was complete. A date was set for the work to be signed off on the day before that date the bank contacted me to sign off that the work was complete. As they installation was not completed I did not sign The equipment was taken off my wall and roof and EnerBank started contacting me for payment on XXXX. I asked them to send me a complaint form to no avail. I was told that they were closing my case. They started messing with my credit, also my wifes credit they have dropped our scores by as much as 30 points
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is the several time I've complained about being a victim of identity theft. TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XX/XX/2022
Consumer complaint received 2022-05-26
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION # XXXX, US DEPARTMENT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDDUCATION # 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 that a consumer reporting agency can not furnish an account without my written permission or instructions.
Consumer complaint received 2022-05-26
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US   DEPT OF EDUCATION # XXXX, US DEPARTMENT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDDUCATION # 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 that a consumer reporting agency can not furnish an account without my written permission or instructions.
Consumer complaint received 2021-10-01
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)

There is an account reporting on my credit file that I requested the bureaus look into because the balance did not seem correct. After several request and they not trying to help they then reported the accounts with a new open date. It is the same account with XXXX XXXX XXXX in the amount of {$540.00} opened XXXX XXXX that showing on my report as of XX/XX/XXXX now that very same account shows XXXX XXXX XXXX opened XX/XX/XXXX they just re-aged the debt!! This needs to be removed. This is a huge violation with the FCRA!