davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens bank has been charging outrageous overdraft fees. The fees are so much that I can never get ahead and when my paycheck gets directly deposited I have no money. They will charge {$37.00} for each overdraft. And additional {$30.00} each day you are negative. And, if they return a payment to a creditor they charge you another {$37.00} for each transaction. Other banks give you more time to satisfy your account without all of these crazy fees. Citizens now gives you one day to credit your account " peace of mind fee '' which is not. Because you not only have to pay the overdraft on your account you have to pay all of the overdraft fees as well. It just isn't fair and they make so much money off of people having money troubles, especially with the pandemic. 

I contacted them on XX/XX/XXXX and asked that they freeze or close my account, because I am still getting charged a lot of fees ; due to my returned payments to creditors being resubmitted which again causes {$37.00} for overdraft and additional {$37.00} to return ; it's like a never ending cycle. I was told by the bank that they can not freeze or close my account until it has a zero balance. I told them I was concerned about more fees being charged to my account that is now out of my control ; and I was told there was nothing I could do until I brought my account positive. I can not do this ; I now owe over {$1000.00}, if I wasn't charged all of these fees to begin with my creditors would have been paid. The other thing they do is you look at your account one evening to make sure everything is paid ; then the next morning I find things posted over night and overdraft fees charged ; when I thought my account was okay. 

This is a never ending cycle, I can not get out from under this and I have no money to live on. I have a disabled daughter who may need to have surgery very soon and I have no money to take her to her appointment which is over 3 hours away. I begged and pleaded with the bank and they didn't help at all. 

I am hoping someone can please help me. My account number is : XXXX, XXXX XXXX XXXX XX/XX/1969 ; last 4 ssn XXXX. 

I would like all of these fees be returned to my account and then close my account. I am done banking with this bank ; I have been charged thousands of fees and they are making so much money off of me ; and now I am behind on my bills as well. 

Thank you, XXXX XXXX PS you will most likely receive something from the Federal Reserve Consumer Help Center, because I filled my complaint with wrong bureau and they told me they would forward my complaint to your office.
Consumer complaint received 2022-10-07
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. (AZ)

XX/XX/2022 To : XXXX, Experian and XXXX, Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, Executor XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, consumer, and I have been appointed and accepted being executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it : whereas, I of age, majority, give this herein notice to all, I make a solemn oath to the one and only most high of the creation only, whoever that may be, and I depose the following facts, so be it, now present : In accordance with the Fair Credit Reporting Act the following accounts have violated my federally protected consumer privacy and confidentiality laws under 15 USC 1681. 
Accounts : BANK XXXX XXXX ACCT XXXX # XXXX, XXXX  XXXX  XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX XXXX  AZ XXXX ID NUMB # XXXX, 15 USC 1681 ( a ) ( 4 ) states I have the right to privacy.

15 USC 1681 ( b ) states that reasonable procedures to be fair and equitable to the consumer, with regards to the confidentiality and proper use.

15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish any information on an account without written instruction of the consumer to whom it relates.

15 USC 1681c ( a ) ( 5 ) states that 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 7 years.

15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681n ( a ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

REMOVE ALL ACCOUNTS INSTRUCTED BY ME AND SEND ME COMPENSATION FOR EACH FEDERAL VIOLATION PERSUANT TO THE FAIR CREDIT REPORTING ACT.

THIS IS MY WRIITEN INSTRUCTION AND MY REQUEST TO PRIVACY AND CONFIDENTIALITY UNDER MY FEDERAL PROTECTED RIGHTS. 
I have requested these be removed and deleted several times now next notice will be an intent to sue. 
RESPECTFULLY, XXXX XXXX
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Dear sir/madam, I have noticed these two illegal removal of funds from my account : 1. On XX/XX/2022, the amount of XXXXXXXX XXXX was transferred out of my account without my authorization 2. On XX/XX/2022, the amount of XXXX was removed from my account as closeout withdrawal without my consent. 

Kindly ask XXXX XXXX XXXX to return all my money in full. 

Thank you.
Consumer complaint received 2022-10-07
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. (IL)

Company reported delinquent payments missed to my Credit Report. After the Vehicle was in there possession for months prior. Shared my Report with third Party. Violating my Privacy. 
Account # XXXX XXXX XXXX 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. 
Account name XXXX Account : # 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 person knows or has Reasonable cause to believe the information was in correct.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX on account deposited a mobile check Sunday XXXX. Understand we don't have that in our account but there is some cash. Entire account placed on hold, can't access any money. Had available balance of {$200.00} prior to check being placed on hold. Call center rep. private called XXXX an threatened our family. Someone has applied for a XXXX XXXX business account with my XXXX information. Why am I not able to access my money that was deposited before the check? No one can tell me why it's Thursday and still NO MONEY. I bank with Huntington bank.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT 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 EQUIFAX MTG 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TN)

I have filed disputes with all three credit bureau 's and NCA regarding a collections account showing on my credit report. That account has been paid in full and closed. I have a letter from NCA stating as such - but my disputes continue to be declined with the following reason : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I most recently refiled disputes on XX/XX/22 and it was processed the same day with no resolve.
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (KY)

After working with Ditech Financial LLC for several years to get a settlement, they approved the settlement, but left only a few hours for the settlement amount to be submitted, and then denied the settlement for being late with the amount of settlement. As well, I was charged for insurance from their provider, at the same time paying for insurance from my personal provider, and receiving collection calls at all hours of the day and night. Please investigate this matter. Thank you so much.
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NJ)

On XX/XX/XXXX I submitted a refund request with Edfinacial Services for all the loan payments I made between and including XX/XX/XXXX - XX/XX/XXXX. The total refund would amount to {$5400.00}. 

Upon submitting the request I was informed that there would be no confirmation of this request sent to me. I was told the only way to find out information about the status of my request would be to to call their customer service line. This is my first complaint as I find that very unprofessional when dealing with one of the largest loan providers in the country. 

On XX/XX/XXXX I called to check on the status of my request ( XXXX business days later ). Not only was I told that there was no change in the status of my request I was also informed that the processing time could be up to XXXX business days ( over 5 months ). 

On XX/XX/XXXX I called again ( XXXX business days later ). There had again been no change to the status of my request and I was then told that the provider would no longer be providing a timeline for the processing time of refund requests. When I asked if I could speak with someone more informed about the process I was told that was not possible. 

Both of these replies to the status of my request are unacceptable. I understand that loan service providers are dealing with an increased amount of loan refund request but, to say I will not receive my refund for 5 months and then not give any timeline is something that needs to be addressed.
Consumer complaint received 2022-10-07
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)

Delete Late payments from XXXX XXXXXXXX XXXX Installment Loan of {$520.00}. Account # XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, TransUnion, and XXXX.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect.
Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX UNIVERSITY Creditor : XXXX *In reference to XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MEDICAL CENTER, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate.
Creditor : XXXX *In reference to XXXX, account past 7 yrs. and balance is in error.
Creditor : XXXX XXXX XXXX XXXX has deleted XXXX  XXXX has deleted XXXX XXXX XXXX, XXXX XXXX XXXX  TransUnion has deleted XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX I sent a letter regarding Inaccurate and unknown things on my credit report and to this day over 30 days letter I have not received a response yet. I feel disrespected and taken advantage of and I am being ignored of my disputes. Section 611 ( a ). it is clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION (GA)

I have a special needs daughter who has a checking account where someone did fraudulent activity on her account writing 3 unauthorized checks totaling XXXX. She gets XXXX dollar check for her XXXX per month. The bank refused to do a refund to her account even though they are federally insured. The reason for denial to the claim was due to failure to safeguard your checks.they told us we need to keep the checks in a safe deposit box. We filed a police report amd they actually have pics of the suspects, but could not find them.teller cashed the checks without properly looking at the check. Definitely not her signature at all. I belive bbt is discriminatory practices against special need people. Pls help get her funds returned to her account. She depends on her little money to help her live
Consumer complaint received 2022-12-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

I have a Traditional IRA account with Synchrony bank. In the past few months, I tried to move out my funds from Synchrony with no luck. 
- Tried to send it to XXXX in XXXX, they send a check, and then they put a stop payment on it. 
-tried to transfer $ XXXX to XXXX bank in XXXX, and nothing happened, I was told by Synchrony they never received the documents, while XXXX had faxed confirmation to synchrony. 
-tried to transfer funds to discover with no luck ; Synchrony said they have never received the funds. 
-in a most recent case, on XX/XX/XXXX, I request XXXX to transfer my entire Money market account from Synchrony ; they faxed the paperwork to Synchrony on XX/XX/XXXX at XXXX pm ; since then, I tried to have synchrony wire transfer my funds, and I was told my synchrony that they received the paperwork on XXXX, but the paperwork dose does not have " signature guarantee, '' and they can not transfer my money when I reached out back to XXXX XXXX they said they send the docs with " signature guarantee, '' and they provided it to me, I uploaded the paperwork on XX/XX/XXXX with '' signature guarantee '' again in synchrony bank portal and reach out to them I was told they can not transfer my funds.
Consumer complaint received 2024-02-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

This disregard for the law, specifically the Fair Credit Reporting Act ( FCRA ), which mandates investigation of disputed information, is unacceptable. I am writing to express my extreme dissatisfaction with your company 's failure to address the inaccurate information on my personal credit profile, particularly concerning the account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

Debt was paid. A letter of debt satification was provided to me. I have spoken to repesenative for the company and even provided the same Letter of Debt Satifaction. It been almost 2 years since the debt has been paid and it still reporting negative status.
Consumer complaint received 2022-10-07
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 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, 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 2022-10-07
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. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Transunion made. And Im sure that there agency didn't Report 100 % correct Information. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX  XXXX XXXX XXXX .... Balance : {$5800.00} ; XXXX XXXXXXXX XXXX XXXX .... Balance : {$6200.00} ; XXXX XXXXXXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX