davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (NJ)

Hello, I have received an e-mail from XXXX on behalf of Credit Systems International stating that I owe a balance of {$850.00} as of today, XX/XX/XXXX. It stated that the Original creditor is XXXX XXXX XXXX XXXX After seeing this collection, I further investigated and realized this was a collection that I have already dealt with from XX/XX/XXXX. Before filing a complaint with CFPB on XX/XX/XXXX about my identity theft matter, I called Credit Systems International on XX/XX/XXXX and spoke to their representative, XXXX, to resolve this matter of identity theft and dispute this fraudulent account opened under my identity. After this, I contacted CFPB about this collection and informed them that I was a victim of identity theft. The Complaint ID # XXXX was submitted on XX/XX/XXXX with CFPB, which resulted in Credit Systems International removing this account and collection from my name and the credit agencies removing this collection from my credit reports. The collection I am be charged for in the amount of {$850.00} as of XX/XX/XXXX from Credit Systems International is the same identical amount I was being charged for on XX/XX/XXXX in the amount of {$850.00}. On XX/XX/XXXX, Credit Systems International responded and stated the collection was Closed with explanation. The statement read, " Credit Systems International regrets any inconvenience that XXXX XXXX may have experienced due to this matter. We understand that he is alleging identity theft, and we have submitted a request for deletion to the credit reporting agencies. '' I do not know why this collection was reopened under my credit report and why it is reappearing again after being resolved and removed from my credit report after many months. I ask CFPB to take the necessary actions to resolve this matter once again and investigate XXXX and Credit Systems International since this is not right to me as an identity theft victim. In addition, all of my credit reports with all three credit bureaus have been frozen since last year so I know this is not a new collection. This is truly taking a toll on my mental health every time I have to deal with this. Thank you.
Consumer complaint received 2019-12-21
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. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry or view my credit report.
Consumer complaint received 2023-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for any purpose.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX. I have no other variations or spellings. 
My address is XXXX XXXX XXXX XXXX, Texas XXXX. I have no other address nor have I ever.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have received email notification of opening Merrill XXXX XXXX account. I have not authorized the opening of such account. I have called Merrill Lynch to put a stop on the approval process and flag the opening. I received email confirmation but no one can provide me with a written confirmation and validation that such account has not been opened and that my identify is flagged from opening future accounts. 

I have also requested proof of my identity, which I would assume was needed to open an account and no one was able to provide or confirm that such validation happened.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Columbia Debt Recovery is attempting collecting a purchased debt in a state which they are not licensed to conduct business. According to XXXX XXXX XXXX upon searching " Columbia Debt Recovery LLC '' I have found that the company is not licensed to conduct business within the state of XXXX ( I have included a screenshot of the search results which show that they are only licensed within the states of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. ) XXXX  state statute reads as follows, " XXXX of consumer collection agencies required ; exemptions. 
( XXXX ) After XX/XX/1994, no person shall engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. 
( XXXX ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. XXXX. 
( XXXX ) A prospective registrant shall be entitled to be registered when registration information is complete on its face and the applicable registration fee has been paid ; however, the office may reject a registration submitted by a prospective registrant if the registrant or any principal of the registrant previously has held any professional license or state registration which was the subject of any suspension or revocation which has not been explained by the prospective registrant to the satisfaction of the office either in the registration information submitted initially or upon the subsequent written request of the office. In the event that an attempted registration is rejected by the office the prospective registrant shall be informed of the basis for rejection. ''
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX The reports need to be updated to the correct status and information for all XXXX XXXXXXXX XXXX accounts. Please update the status as I and the creditor have asked you to multiple times now. The balances are {$0.00}
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (NE)

I've been trying to contact the XXXX XXXX XXXX XXXX XXXX, Experian and XXXX ) since XXXX but they never get back to me. Kindly resolve this matter today and I insist that you must take off these items from my credit history promptly. 

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
Consumer complaint received 2019-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-09-25
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. (TX)

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX X, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Consumer complaint received 2023-03-01
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX CT XXXX, GA XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (NY)

I had a case XXXX ( that was just closed with CFPB ) to address inaccurate information on my credit report. The issue was resolved with XXXX but not with Experian or XXXX. The information was coming from XXXX XXXX XXXX. I provided proof that I had paid the lease in full and was being wrongly identified as having terminated my lease early. I paid the lease off and turned the vehicle in because NY state was shutting down all businesses due to the pandemic. I had called XXXX and was told that I could 1 ) keep the vehicle until the business reopened and continue to make lease payments or 2 ) return the vehicle as long as the lease was paid in full. I chose to return the vehicle, paid the lease off in full, and avoid continued payments for an unknown length of time. I have attached paperwork showing that XXXX recognizes that my lease was paid in full. I also attached my response to the only letter I received from XXXX in XX/XX/XXXX. I had to write to XXXX as I could not get the issue resolved by phone. XXXX has not responded to any of my letters. If I call XXXX, I am transferred and eventually hung up on. I have not been able to resolve this issue with XXXX. I did provide all of my evidence that this early termination charge is inaccurate to all three credit bureaus, and XXXX has removed it. Experian removed a completely paid off and in good status XXXX XXXX XXXX account from XXXX but left the XXXX account from XXXX that I was disputing on my report. I have no idea why. I have tried to contact Experian to clarify and am not able to resolve the issue or get a rational answer explaining why this happened. I am awaiting results from the dispute I filled with XXXX. I am attaching documents verifying this information. Please note that my name was XXXX XXXX at the time of this lease and is now XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I have constantly contested the inaccuracies in the following information with Experian and XXXX and unfortunately, the issue remains unresolved to this day. 

Experian : Public Record : Type : XXXX  XXXX Bankruptcy Reference XXXX XXXXXXXX XXXX : Public Record : Type : XXXX  XXXX Bankruptcy Reference XXXX XXXXXXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2023-03-14
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: CITY NATIONAL BANK (OK)

City National Bank shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and City National Bank, they have failed to investigate and have failed to provide me with any documentation.
Consumer complaint received 2023-03-05
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: SYNCHRONY FINANCIAL (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also state a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is in regards to XXXX.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened an account, deposited a check and then was notified they were closing my account. The check cleared and now has been sitting in the account for over 3 months with no movement. I submitted a claim over this previously at the end of XXXX and they still have my funds hostage. They claimed they would return the funds but the funds are from a check from the state of oregons revenue for a tax return so there is no returning it. The state can not reissue a check because capital one has successfully cashed it into the account they are now holding hostage.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

I noticed my information was compromised including my ID, social security card info and my credit in XXXX of XXXX. I ordered my credit report and noticed two XXXX XXXX accounts. I went to the XXXX XXXX XXXX XXXX police department and I received a police report for the two accounts. PLEASE have them REMOVE FROM MY CREDIT REPORT. These are fraudulent accounts and I did not authorize these accounts to be open in my name. I spoke to XXXX XXXX and they are refusing to remove the fraudulent accounts. XXXX XXXX : Account number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5000.00} XXXX XXXX : Account number : XXXX Dare fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1200.00}
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$180.00} ; XXXX XXXXXXXX Balance : {$250.00}.
Consumer complaint received 2023-10-26
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. (GA)

I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX OPENED ON XX/XX/2023 FOR {$7900.00} ON XXXX XXXX XXXX ACCOUNT NUMBER : # # # # # # # # XXXX ON XX/XX/2023 FOR {$7900.00} AND ACCOUNT NUMBER : XXXX ON EXPERION ON XX/XX/2023 FOR XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.
Consumer complaint received 2019-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have a checking account at Citizens Bank and feel that they intentionally hide their fees and when asked ( multiple times ) simply refuse to answer.

I asked Citizens Bank Customer Service a few times if there would be a Citizens Bank fee assessed by Citizens Bank for a withdrawal initiated from another bank ( ACH ) and I was given vague answers and boilerplate copy paste non-answers.

Finally Citizens Bank Customer Service responded today as pasted below : " Dear XXXX, Thank you for your email regarding External transfers. 
If the external transfer is initiated from another financial institutions website we are unable to determine if there will be a fee from our end. 
If you have any further questions or concerns, please contact us via email or by calling our 24-hour Online Banking Department at XXXX XXXX. 
We value you as a customer and appreciate your business. Thank you for choosing Citizens Bank. 
Sincerely, XXXX XXXX. 
Email Team Advocate '' I believe a bank must be upfront about their fees and that if the " can not determine if there will be a fee on their end '' they should not be in the banking business. 

Thank you
Consumer complaint received 2022-11-11
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. (TN)

It has been an encounter going over this and I am submitting this complaint AGAIN to remove the fraudulent account in my file that is reporting on Transunion Credit Bureau. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DELETE IMMEDIATELY!
Consumer complaint received 2019-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received this a few years ago and was contacted several times. I paid it off bit by bit, and this was fine as of a year or two ago. 

I recently was notified by XXXX XXXX of a derogatory mark, and saw that I have a new debt collector for this debit that was already paid off, and it was for a very small amount ( {$180.00} ). 

So I don't understand why I am being contacted for this AGAIN at a much later time, and then receiving a mark that severely affects my credit score ( down 60 points from the mark. ) I would like assistance in getting this resolved.