davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I have been charged {$510.00} in overdraft and sustained overdraft fees for XXXX XXXX transactions from XXXX. 
{$290.00}, {$240.00}, {$190.00} and {$190.00}. 
Citizens Bank sent me no notifications of any kind, but between XXXX and XX/XX/XXXX they recharged the same {$140.00} overdraft and {$30.00} sustained overdraft charges every three days for the same items. Despite the fact that they never paid them. 
My account is now overdrawn {$500.00} - all overdraft fees. 
I called customer service on Saturday XX/XX/XXXX at XXXX and was told I would get a supervisor callback. No one called me that night despite being open until XXXX. 
Today they claim they can do nothing to reverse any of these charges. 
Can someone please help.
Consumer complaint received 2022-11-14
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX  XXXX  XXXX  XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$0.00} XXXX  XXXX XXXX  : {$3700.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} NATL XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$900.00}
Consumer complaint received 2022-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My home was in foreclosure process. I went through Nc Homeowner Assistance Funding for help. I was awarded funding and they paid for my reinstatement. Now I had already been having issues with Bank of America customer service. The nchaf had paid over {$19000.00} on XX/XX/XXXX, for reinstatement and any fees that was owed on the mortgage account. They also are paying an additional XXXX months of mortgage payments, the last would be XX/XX/XXXX. In XX/XX/XXXX I was sent a statement bill saying I owe an additional {$380.00} fees. I had contacted my funding counselor, and I was informed that all debts and fees should of been already included in the first amount that Bank of America received, I then called back to Bank of America and discovered that now account statement balance had increased again to {$430.00}, when I ask about all these extra add on fees they couldnt explain and keep transferring to another representative causing me to start the entire inquiry process again. Now the XX/XX/XXXX mortgage payment is due, and my funding counselor informed me that a payment of {$850.00} was sent on XX/XX/XXXX, but the bank is saying that the payment wasnt received or that it may had been applied wrong. I keep trying to get some kind of understanding but they saying they cant pull up information due to that its not there department so now Im just getting transferred to person to person not getting anything resolved making my mortgage payment late. My issue where are my funds going and why are unexplained fees being added to the mortgage account.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX I was notified my info was in a EQUIFAX data breach and to check my reports for fraudulant or or inaccuracies on my report. 

I reached out to all 3 credit bureaus and some inquireis were removed but many still remained.

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit but, yet XXXX XXXX and EUIFAX has refused to remove these unauthorized inquirieis. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have never given consent nor have any knowledge of ever giving my authorization for these inquiries on my credit report. 

I want these inquiries removedd immeiately or pay me {$1000.00} per unauthorized inquiy and in accurate info. 
I have enclosed my FTC ID THEFT AFFIDAVIT to prove I did report these errorss back in XX/XX/XXXX and present the inquiries are still there have violated my rights by not removing them.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (GA)

In accord with the fair Credit reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX, has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can't furnish an account without my written instruction
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I received an offer from Citi bank to open a checking account with them and I would receive XXXX bonus miles if completed within 90 days. I opened my checking account on XX/XX/2023 and completed all the requirements to receive the highest amount of XXXX miles within 30 days after opening. To this date I have yet to receive anything into my XXXX XXXX XXXX account XXXX have attached screen shots of the offer to confirm.
Consumer complaint received 2023-07-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I was lead here to file a complaint against Caliber home loans. I was approved for {$45000.00} to assist during the pandemic for the XXXXXXXX XXXX  Caliber agent advised me to do a loan modification so that I wouldnt loose my property. They said that even though I was approved for XXXX that all checks were back logged. They stated that even if my account becomes current that they would still apply the {$45000.00} to the principal and that they would not send the check back. Well turns out they lied to me. The check was received in XXXXXXXX XXXX XXXX and XXXX sent it back. They told me I would have to contact the state in order for them to change the instructions in the letter to specifically read, Funds must be applied to principal due to our account being current after the loan modification. You can only get approval once in your lifetime. We were approved but XXXX is refusing to help us during a time we need it most. They refused to give us the necessary number to the state in order to request the letter be changed. I need your help please.
Consumer complaint received 2023-07-14
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: EQUIFAX, INC. (IL)

XX/XX/23 I received an alert for application on credit report. I didnt apply for XXXX XXXX I only did the prequalified application which shouldnt have affect my credit score
Consumer complaint received 2023-12-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MD)

In XXXX of this year my savings account was erroneously debited {$990.00}. I submitted a complaint to one of the branch and was credited back the funds. Yesterday, I received a letter from the credit union stating that an Investigation was done and the charge would be reinstated. I believe that a properly conducted Investigation have proven that I did not debited those funds.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/XXXX Social security # XXXX Birth Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH. XXXX TRANSUNION FRAUD VICTIM ASSISTANCE DEPARTMENT XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I have been a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 

ACCOUNT ( S ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PLEASE REMOVE FROM CREDIT FILE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Enclosed are the following : IDENTITY THEFT REPORT A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business day and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX : PROOF OF IDENTITY : PASSPORT FAIR CREDIT REPORTING ACT SECTION 605B IDENTITY THEFT REPORT
Consumer complaint received 2023-12-27
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: Experian Information Solutions Inc. (NJ)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I just opened an account with Wells Fargo as my employer gives benefits for using Wells Fargo. I deposited a cashiers or Bank Check from XXXX XXXX XXXXXXXX with my funds from my last account. First, after having my deposit at the ATM rejected I was told that new accounts were not allowed to make ATM or mobile deposits that I would need to go into the bank. I had to speak to 5 different people to finally get to the true answer and that I could make a deposit at the ATM and the alert was taken off my debit card. The debit card had been held to not allow for any ATM deposits which was wrong. The bank is not open when I am off work. I finally was able to deposit the check at the ATM and was given the receipt stating the check would be available the next business day which is appropriate as this is a GUARANTEED bank check. Then the next day I was told the check had a maximum hold of 10 business days. This is not a personal check or a check from anyone. It is a CASHIERS check with my previous checking account funds. I really wish I had not changed banks. I now have no access to my funds.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc (OH)

I AM FILING THIS COMPLAINT against CONSUMER COLLECTIONS MN # XXXX I have never received any notification of an account in their office this is a violation of FDCPA as well as FCRA. There is an issue of 15 U.S. Code 1692e - False or misleading representations that still need to be addressed as well. The above-mentioned account has never been verified or validated. The account was filed and is in violation of the XXXX XXXX-compliant standards.
Consumer complaint received 2022-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CO)

My lender, XXXX, has not paid property taxes for my home. As a result, a XXXX has been placed on the property and goes to auction this Wednesday. 

I've communicated with my lender who claims that payments were sent, however the county treasurer notes no payments have been made. I've reached out to my lender several times and have not recieved any updates on the status of taxes. As of this morning ( XX/XX/14 ), the county treasurer still has my taxes as unpaid. Seeing as the XXXX goes to auction this Wednesday, it is likely I will need to pay taxes out of pocket. 

I am writing this to make other lenders aware of XXXX 's lack of follow-through and communication.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (CA)

There are hard inquiries showing on my credit report that I did not give the company approval to pull my credit report for, and its greatly effecting my crefit rating. I had or have no knowledge of these hard inquiries, this is not of my doings and I want these hard inquiries removed from my credit report. I tried to do an online dispute for these hard inquiries with experian, but it directed me to call them instead and I did on Monday, XX/XX/2023. Experian started the dispute process and I received an email advising that the next step is to file a fraud identity report with an agency such as yours. I did not request, or give permission for these companies to pull my credit report, and I have no idea who did this, I feel that someone else is trying or have tried to get credit in my name.
Consumer complaint received 2022-11-15
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the correction of these items from my credit report. Under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be adjusted is : NC XXXX XXXX
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (FL)

I received an email from Chime stating that an account was opened using my email address. I called chime and they were unable to use my email address to confim an account without providing them my personal information such as name, DOB, and social security number.
Consumer complaint received 2022-11-14
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. (GA)

Transunion and LCI continue to report a XXXX  on my report while XXXX, XXXX and XXXX have removed it. This needs to be removed immediately from my report as it has been removed everywhere else per the attached letter from XXXX
Consumer complaint received 2022-11-14
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. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681Account Name & Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2022-11-14
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. (GA)

In XXXX of this year I got a bill from XXXX XXXX XXXX for a past due account that was not mine. I called the customer service phone number on the bill and requested to speak with a supervisor on all three attempts at various times between XX/XX/2022 and XX/XX/2022 to advise of this fraudulent account in my name. 

Upon speaking to someone of an XXXXXXXX XXXX on all 3 attempts who on each separate call all confirmed themselves to be a mangers at XXXX XXXX XXXX. I repeatedly, on all 3 calls insisted the account that I was being billed for was not mine. I explained that my mobile service for the last 6 years has been through XXXX and with XXXX prior to that time frame. I also advised that my current internet and cable service is with XXXX XXXX and prior to that XXXX XXXX. Upon explaining this, at no time was any of the managers I spoke with able to find the source of the account. They repeatedly on each call transferred me to other departments in hopes someone else could find the account, which each transfer gave as little insight as the previous. No one at XXXX XXXX XXXX ever could confirm the source or service on the account. This made it impossible to address with XXXX XXXX XXXX so how is XXXX XXXX XXXX now able to just randomly report a fraudulent account from a company who could not explain the service or time frame of service being billed. 

XXXX XXXX XXXX and XXXX XXXX XXXX are both culpable parties in the perpetuation of the fraud. I was repeatedly asked by each XXXX XXXX XXXX manager if I knew what the service being billed was for, this is problematic! If XXXX XXXX XXXX was billing me and the company itself had no knowledge or record of the service account why has this fraudulent account been sent to collections with a third party that I have no affiliation, no signed contract, and no service agreement with either? An investigation of the business practices of both XXXX XXXX XXXX and XXXX XXXX XXXX is warranted here. 

The fraud that continues to persist with companies selling these account to third party collections agencies and not even investigating when fraud has been indicated.This clearly appears prevalent that the crime of fraudulent and deceptive business practices of XXXX XXXX XXXX and XXXX XXXX XXXX is a normal business practice. Neither of these companies are practicing fair business standards and I want their business practices of knowingly reporting fraudulent accounts to be investigated Immediately.