davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I had three accounts with XXXX, they were bought out by Citizens. I have tried to contact Citizens, if you call by phone the wait time on all four calls has been 45 minutes to 90 minutes. They offer no chat feature on their website, and they refuse to list a email to contact them. I wish I had the time to contact them, but I don't have 90 minutes to sit on the phone, it speaks volumes for how little Citizens values Customer Service. All I want to know is how do I access my accounts that were transferred, how do I change the auto withdrawal from XXXX to Citizens. I called XXXX, they told me that they have had so many calls complaining about Citizens, but they couldn't help me. I went back through emails, I found one from Citizens, but when you open it, it gives you little info other than Welcome to Citizens, if you hit contact us, you get three options, call us ( see above on the wait ), chat with us ( doesn't exist if you hit link, says coming soon ), email us ( says we wont take emails because they are unsecure ), thus impossible to contact. Since both XXXX and Citizens offer no help, I'm reaching out to you, so that I ca nat least access my accounts. Granted, I dont have a lot of money is the XXXX accounts, typically I use them as a pass through, but still it shouldn't be this difficult.
Consumer complaint received 2019-07-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

The number that calls me nonstop for 18+ months now, sometimes up to 8 times a day!!! Is XXXX ( XXXX ) XXXX along with about 150 other numbers Ive had to continuously block as new ones call me. Portfolio Recovery is the name of this collector, and no exaggeration I have 2 separate lists of contacts named collections 1 and spam 1 both contacts have had over 100 # s added to them, which makes blocking them easier, but that is overkill!!
Consumer complaint received 2022-02-07
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)

I received a copy of my credit report and found two accounts that do not belong to me. The two accounts are XXXX XXXX  XXXXXXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had over 7 years of charge off reporting activity. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I opened a new account at citizens bank on XX/XX/XXXX. I was not told when I opened it ; however, when I called them today, I was told that it was in the fine print I signed regarding a mandatory 27 day hold on all checks deposited in a new account. I began to inquire because this could cause my auto pay to have insufficient funds. From here, the inconsistencys began to spiral. I was told all checks must follow this federal regulation and there is no leeway the bank has on this. Ironically enough two of the checks were available within 48 hours. The third check, which was a larger amount, is still not available. All three checks were done on mobile banking consecutively. When I called today, I am told they can see it cleared from my bank and the fund are there but not available until the 27 day hold is up. Frustrated with the inconsistency, I contacted to federal reserve board. The gentleman I spoke to there stated, if the bank knew the funds were there, they could release the hold. This definitely seems like a problem with inconsistencies, incorrect information and unfamiliarity with the federal regulations.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation ()

The problem started back in XX/XX/2021 and after sending numerous emails I am still unable to access my cards. I have seven cards in total each to the value of XXXX making it a total of XXXX. I earned this money answering surveys on a survey panel internet site. The company asked me to send copies of my identity which I have done but they have still not released my funds. They either don`t reply to my communication or if they do reply they include links that I am unable to click on. I have told them about this issue but they just don`t reply to my email.
Consumer complaint received 2019-05-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (HI)

The companies involved are already aware as I have written to all of them. Barclay is claiming that I have not made any payments since XXXX towards a bill I owed them. They are claiming that I still owe {$1500.00} when I have proof from my bank and from their debt collector that I have made a one time lump sum payment of {$640.00} plus $ XXXX/mo every month to their debt collector. My bank has all the records of these payments as it was automatically withdrawn from my account every month. Their designated attorneys known as XXXX negotiated with me. XXXX went out of my business in XXXX when my account was paid in full. They told me that Attorney XXXX XXXX would review my file as these were the new collectors and they would send me the needed " paid in full '' paperwork. That NEVER happened, XXXX instead wrote me and said that I haven't made payments since XXXX. This is inaccurate. I have sent letters and proof to XXXX XXXX and three credit bureaus. They won't even let me " add a statement '' to my credit report. This is unfair and an unethical practice of bullying a consumer, namely me. I have all proof and documentation I am more than pleased to provide. Additionally, the first invoice I ever received said that I purchased an XXXX product which I did not. The invoice dated XX/XX/XXXX has all of my information on it, except it has the wrong account number on it, # XXXX. They argued with me and said it was mine so I tried to pay this fraudulent claim, just to get it off my record. I tried to pay it, but this is not my account #. Every invoice after that had the correct account # on it which ended in # XXXX. # XXXX is my account number, the original " XXXX XXXX' invoice is not.
Consumer complaint received 2019-07-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

My initial student loan with ( Sallie Mae-Navient ) started on XX/XX/XXXX. Since that time Ive struggled financially to repay this loan. Navient steered me towards forbearance options early on from XXXX. So the initial amount of the two loans were {$27000.00} and XXXX. 

In XXXX I was told that there was no more forbearance left. I asked for affordable payments based on my income. I got enrolled in a repayment plan in XXXX. However, my student loan balance had doubled. Since that time I keep having to do Repayment plans that are only increasing more debt on the loan. The repayment plan is supposed to be from XX/XX/XXXX to XX/XX/XXXX. After 10 years of payments this is ridiculous. This loan should be forgiven. I owe a little over XXXX with interest accruing every day. 
I hope something good can be done to help struggling borrowers like myself with these debt wrenching loans. I feel like I was misled regarding these payment options.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is the subject of this complaint : 1. Equifax was notifed and provided all supporting legal documentation in support of my name change. My name is not XXXX XXXX XXXX, however Equifax continues to report this incorrect name 2. The correct spelling of my name is XXXX XXXX XXXX. 3. There is a hyphen between my two middle names. 4.  There is an upper tier underscored XXXX  followed by a capital XXXX in XXXX. 5. Equifax is erroneously reporting XXXX XXXX as late. This car payment has never been late. 6. Equifax is reporting an XXXX XXXX past due balance of {$20000.00}, when the payment is not past due. 7. Equifax and XXXX XXXX are over reporting the current loan balance of {$17000.00}. 8. Equifax is reporting unauthorized hard credit inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I did not authorize any hard inquiries from these institution, but I was contacted by each regarding pre-authorized card offers which [ they each ] promised would not impact my credit score. 9. Equifax is improperly reporting XXXX XXXX, XXXX XXXX and XXXX as my employer when none of the aforementioned are my employer.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CURO Intermediate Holdings (TX)

On XX/XX/22 Ad Astra Recovery Services Inc. gained access to my checking account and I am unsure how they did it but they wrote themselves out a payment check for the balance I owe Speedy Cash ( speedy cash sold my debt to Ad Astra ) of {$590.00}. I did not give anybody permission to do that nor did Ad Astra have a court order. I called Ad Astra today ( XX/XX/22 ) in order to find a solution to paying of my debt and was basically told by the woman I spoke to that it was an attempt to collect a debt and that they had sent letters and had called me about AND that if I didn't resolve the issue they would basically gain access to my account again and attempt to take out the money again.
Consumer complaint received 2022-10-09
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct. 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 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 2022-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (SC)

I opened a Navy Federal Savings & Checking back in XXXX noticed in XXXX that there was a card opened under my name & some charges on my debit card that I didnt authorized as well.I spoke to numerous reps about the issues with the credit card & debit card.I sent in a police report about the issues and spoke with the credit bureaus about the credit card and it was removed from my file.I even sent the results to show the deletion of Navy Federal and I still owe XXXX XXXX.I dont understand how the bureaus deleted the Navy Federal & informed the bank about but the debt is still at the bank since XXXX.I tried reaching out to corporate about this several times.I left voicemails & I spoke to the bank & the fraud department numerous times and the debt is still there but its not on my credit report.The bank is taking {$110.00} from my account since XXXX XXXX.I had my account since XXXX, I spoke to a guy name XXXX from Navy Federal fraud dept back in mid XXXX was working with me to help me with my issues but I had to get medical attention and I lost contact with him, I tried looking back into this matter again and its still nothing resolved with this fraudulent credit card opened under my info without my knowledge & my debit card was compromised & used without my knowledge.I spoke with the bank about the credit card and the fraudulent transactions on the debit card and I was treated wrong behind my issues and I was told that the credit card that was opened fraudulently was denied when I was on the phone in XXXX with a banker and my debit card claim was denied as well afterwards.I reached out to the bank numerous times about the issues, I sent a police report since XXXX and the credit card was removed from my credit report in XXXX gave XXXX from the fraud department back in mid XXXX some numbers from my statements that shows the fraudulent charges from my debit that I have no knowledge of and XXXX advised me to go on the online banking and he sent something to me to help with my issues and wanted the bank statements with the fraud charges.I had to get medical attention and had to put that on hold I still have the statements and Im looking for closure with this with my Navy Federal account & with the credit card I have no knowledge of and the account was removed from my credit report back in XXXX due to fraud.Please help me resolve this matter.Thank you
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (CA)

I got a phone call from XXXX XXXX in XXXX XXXX, CA in XXXX, XXXX asking me to join. I declined and stated that I already have a membership at another gym in XXXX XXXX. In XXXX I got a call from Kingston Data and Credit attempting to collect a debt that I do not owe to XXXX XXXX. I have never been in an XXXX XXXX gym and I have never had a membership at XXXX XXXX. I called XXXX XXXX and they agreed that I dont have a membership there and said they would cancel the record. Then Kingston Data and Credit posted a negative remark on my XXXX XXXX credit report that I owed XXXX XXXX a debt. That is a false statement on my credit report that I demand be removed.
Consumer complaint received 2022-02-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company
Consumer complaint received 2022-02-26
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. (AL)

I have requested that this company update my personal information multiple times and they refuse to do so. By reporting misinformation they are leaving me susceptible to identity theft. I would like my profile to be updated to show only my current address.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX I woke up to my car gone and when I checked my phone somebody had emptied my bank account. I ended up finding out it was my childrens father and immediately called the police. The police came to my home but after talking to them, I was told that me and my childrens father was common law married and that it was a civil issue. They did not furnish a police report. I called Bank of America when they opened and explained to them what happened but since I could not furnish a police report, they closed my account and reported me as fraud. Something I was not aware of until last year. So I contacted XXXX XXXX police and asked if they could provide me with the original call for proof that I did call the police. They furnished this report I am attaching. I have reached out to Bank of America and also chexsystems so that they can remove this negative item but they have refused. They are illegally providing information that is untrue and has been proven to be untrue. Im also receiving the original call recording for that day.
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

This company failed to address my complaint, lied and are non responsive. 
Last complaint XXXX The provided false statements in written form and are trying to extort money from us. 
XXXX is the 'escalations analyst ' that wrote the false statements. The number she provided for contact results in dead end! 

The attachment covers it all!
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

In XXXX, XXXX, I entered into an investment contract with XXXX XXXX XXXX : XXXX XXXX  Crypto ( the Scammer ) to transfer XXXX XXXX. Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my money within a very short period of time. 
I advised Coinbase of this fact on XX/XX/XXXX and I didnt receive any satisfactory response so far. 
I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money. 
Since XX/XX/XXXX, I have been attempting to resolve this matter with Coinbase, but they have failed to settle this matter satisfactorily. I have been dealing with Coinbase in good faith and am deeply disappointed in how they have handled this matter thus far. 
I must emphasize an important point that I was not experienced, wanted a long-term investment during the difficult period of circuit breaker, but instead, the Merchants so-called guided strategy staked with my money. Their promised bonus credits and repeated reassurances of making returns did not materialize but had lured my money.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from XXXX and XXXX as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.
Consumer complaint received 2021-04-14
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. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2024-03-06
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. (SD)

I opened my XXXX XXXX account for the first time in a long time and noticed that my credit score was atypically low. I usually have excellent credit and it is now average. Upon further investigation, I noticed that XXXX XXXX XXXX was listed many times over, across several credit agencies. I have never opened a XXXX XXXX XXXX card in my life. 

I spoke with XXXX ( ID Number : XXXX, Department direct line : XXXX XXXX XXXX ), from their Fraud department. He informed me that someone had opened an XXXX card in my name in XXXX and charged around {$4500.00}. I also noticed that on my credit report, my social security number is listed several times, as well as my email, as " compromised ''. To compound the issue, I just relocated to XXXX so I am limited in what I am able to do from here. I reported it as fraud with the company and now I am submitting reports with any agency I am able to.