davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I called Citizens bank on numerous occasions to have my mailing address changed as I have not received any statements from them - they advised me I must go into the bank to change my address. I went into the bank and changed my address as directed. Still no statements. I called again to change my address. I was told it was all set. Still no statements. This account went delinquent due to no statements and effected my credit score by numerous points. I called again and brought the account current ( {$1100.00} ) and to emphasize my address needed to be changed - the rep assured me it had been changed. To this day i still have not received a statement. This has resulted in a much lower score and have suffered higher interest rates because of this. I receive no letters, phone calls or any type of correspondence from this company
Consumer complaint received 2019-02-07
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: EQUIFAX, INC. (WA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
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: Freedom Mortgage Company (MA)

I have just been notified by the credit reporting agencies of a negative report by you, ( Freedom Mortgage ) that has significantly impacted me financially.. 
After multiple inquires to customer service and the Tax and escrow dept. going back to XXXX of this year, Re : the increase in my mortgage payment due to a shortage in my escrow account I was continually told to keep paying my current mortgage until a resolve to the matter was completed. A conversation to justify my position was with the Tax dept. notifying me that they were not in receipt of a Veterans tax exemption by the city of XXXX, Ma which would have affected this account. I immediately sent via electronic and US mail an official transcript of this exemption to this person who after receiving this and verifying it with the named city accepted it's exemption, and was told it would be adjusted. I was than transferred back to customer service who once again told me to continue paying the current payment until I was notified. To this date I have NEVER been notified. 
In my last conversation with you, you explained that the discrepancy in funding would need to be satisfied by me and I complied with the intent that a escrow analysis would be completed by XX/XX/XXXX of this year, as told to me by you, and that I would be notified. Again to this date I have NOT been notified of the results of that analysis and resulting final determination of payment.
Consumer complaint received 2022-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

15 U.S. Code 1681s2 - 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 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. 
Also IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. 
This charge off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-18
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-18
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. (MO)

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 states a consumer reporting agency can not furnish without my written consent 15 usc 1681 investigation ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1681 a. Defintion rules of construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX  # XXXX
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-21
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)

While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Is still on mu report it needs to be remo ed thier was just a multi state law suit in which a judgment against them inthe amouunt of XXXX milliin doklars.tbey also were ordered to fix ctesit on reposessed cars ect.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (CA)

In XX/XX/2019, I received an offer for a 0 % balance transfer to a Discover " It '' card and decided to apply. My intent was to open the credit account so I could move and pay down a balance currently being carried on a different account. During the application process, Discover asked me the amount of money I would like to transfer and also collected the account information for my account at the other financial institution. I requested approximately {$17000.00} as part of the transfer request, a balance that was the result of a few recent large expenditures that I put on credit only to earn points. I originally planned to use savings to pay off the balance, but Discover 's offer looked to be a great alternative. 

I am a responsible credit user with more than a decade of spotless credit history, a high credit score, and low utilization across my accounts. 

Though the application was approved, the credit line was for a fraction of the amount requested in the balance transfer. I was granted just a {$3600.00} credit line, which equates to less than 3 % of the total credit I had available to me at the time. I tried to contact Discover immediately after seeing this, and the agents were unable to see anything regarding the account since it was " too new. '' They asked me to call back once I received the card in the mail. 

I called when the card was received in the mail, and the agent I spoke with informed me that they would continue to process the balance transfer request, but only for 95 % of the total credit line I had been approved for. This was approximately 19 % of the total amount that I had requested to transfer in the first place. 

Ultimately, I have decided to cancel the account and to not bother activating the card. The targeted marketing materials led me to believe I would be able to open an account with a credit line up to the amount that I was requesting to transfer. Since this was not the case, I have no value in the new account but now have a negative mark ( hard inquiry ) on my credit report. I feel that Discover should clearly explain in its application that if approved, an account will be open with a credit line that is not at all informed by the amount in the balance transfer request. Had I known this or had I had a chance to withdraw the application before opening an account with such a low line of credit, I would not have opened the account at all.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

i ordered on XX/XX/2020 a mattress set from XXXX XXXX for {$740.00} online, i cancelled order after XXXX XXXX told me they could not deliver until XX/XX/2020. i have not receive refund from XXXX XXXX as of today. 

My bank citibank is acting indifferent about giving me a refund for my money paid to XXXX XXXX on an cancelled order.
Consumer complaint received 2019-02-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Main Street Personal Finance (MI)

A company claiming to represent XXXX XXXX- A payday loan company that I neglected to pay contacted me threatening to seize my vehicle, claiming that I committed fraud and other allegations Company name is XXXX XXXX XXXX XXXX Phone # XXXX
Consumer complaint received 2024-02-09
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. (OH)

my consumer rights are being violated ive tried more than twice to fix this situation this is non compliance which is a violation pursuant to 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) this has went on far too long
Consumer complaint received 2019-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services (GA)

RE : Account Validation To Whom it May Concern : This letter Is in response to your recent claim regarding account XXXX*, which you claim you have verified, such as I owe XXXX! 

You have failed to provide me the copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my wet ink signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau ant the Attorney Generals Office, should you continue in your non -compliance of Federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, ant the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 

Furthermore, on your behalf to provide a copy of any alleged contract or other instrument bearing my wet ink signature may result in a small claims action against your company. 

I would be seeking a minimum of {$1000.00} in damages per violation for ; -Defamation -Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX. XXXX   XXXX XXXX, Ga XXXX SSN : XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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)

XXXX, XXXX, EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-10
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. (FL)

Please refer to documents attached to this complaint. As it has been more than 30 days and this company has failed to verify and/or send any response. As per the fcra, Equifax is in violation.
Consumer complaint received 2019-02-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I requested documentation from XXXX XXXX XXXX ( XXXX XXXX Bank ) concerning a debt you have listed on my credit report with you agency. I have request multiple times through the Consumer Federal Protection Bureau that XXXX XXXX XXXX refuses to provide legal documents according to the FCRA and FDCPA law and regulations. This included being denied copies of any signed contracts, accounting and statements to prove the debt they are reporting- Without proper documentation this information is being reported to my credit report illegally and I ask that it be removed today
Consumer complaint received 2022-08-18
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. (FL)

in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-18
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)

in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e. '' THE ALLEGED DEBT CAN BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANTOHER VIOLATION UNDER THE FCRA.