davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

Because of an illness, I recently contacted  Navient on  or around   XXXX   XXXX   XXXX     to defer my student loans until I regained my health. During that phone call, without my knowledge,  Navient tra nsferred me to a third-party company. Somehow this third-party company gained access to my personal and financial records without my consent. Soon after, this third-party company fraudulently took out funds from my bank account, which required me to submit a claim to the bank and change my account information. I called  Navient on n umerous occasions in order to inquire about this problem and each time was told a supervisor would call me back. However, no one ever did. Finally, on   XXXX   XXXX   XXXX    , I called  Navient to co mplain about the fact that no supervisor ever got back to me. The next day I received a call from   XXXX   XXXX  , a lawyer who represents  Navient. Duri ng that phone call,   XXXX   XXXX   discussed my complaints in a belligerent manner. He also questioned the legitimacy of my and my son 's answers to his inquires. He told me that he would verify my statements with the company 's phone records, but then, a few days later, he told me that he could only access records as far back as   XXXX   XXXX   XXXX    , which is well after the date in which the fraud took place. At the end of our conversation, he told me that the burden of proof fell on me. I would like to know how my personal financial records ended up with a third-party company and whether or not I should take legal steps agai nst Navient for t heir actions.
Consumer complaint received 2021-04-16
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I recived an email from XXXX XXXX regarding Hard Credit Inquiry and closed account for something labeled as " Khols/CapOne ''. I did not apply for any credit recently and I am confident that this is fraudulent activity. I attempted to dispute the Hard Inquiry online with but they did not have an option to dispute a hard inquire. I need to do what I can to dispute the Inquire, it is negatively affecting my credit and I'm concerned over further fraudulent activity. I would like an investigation so I can take proper measures to insure my credits safety and security. Thank You
Consumer complaint received 2019-08-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Good time of the day! 
In the beginning in XXXX in a mail I received an offer from Citizen bank to open a checking account. An offer condition stated that in 60 days after opening account and depositing amount over {$500.00} you will receive a bonus of {$300.00}. I included copy of the flyer for your review. Offer code : XXXX I opened an account over the phone on XX/XX/XXXX and transfer my pay checks on it. After 60 day I called to the Bank to check on a status and Representative XXXX told me that I will have my bonus deposit on XX/XX/XXXX. 
On XX/XX/XXXX I called to check on a status of the deposit and Representative XXXX informed me that I can expect deposit to be made to my account on XX/XX/XXXX. 
On XX/XX/XXXX I spoke to another Bank Representative ( unfortunately dont have a name ) and he told me that I will need to the end of the month of XXXX. 
On XX/XX/XXXX I spoke to two Managers in the Citizen bank XXXX and XXXX who said that my deposit will be will be on the account by the end of the week and if it is not happened my account will be credit for the bonus amount. NOTHING OF THIS PROMIS WAS DONE and then I received a phone call from XXXX ( bank Representative ) who informed me that my case STILL UNDER REVIEW!?!? She left me her phone number ; I called back and left a message asking to explain me WHY It is investigation and WHAT is the problem, but no one called me back!!! 
I spend so much time listening to fake promises! I am very disappointment and absolutely not happy with all procedure and service related to my case!
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: First Data Corporation (AZ)

On XXXX XXXX XXXX Telecheck took a return payment that was coming to me from XXXX. The amount is {$490.00}. The case number for Telecheck is XXXX. Telecheck has admitted this was in error however provided no solution other than filing a claim which they stated could take up to 30 days. Telecheck is also reporting an issue with me as a consumer during this time which does not allow me to write or get checks cleared through merchants. Telecheck has confirmed this is there error. Telecheck stated they have attempted to refund these funds to a closed bank account and again have not offered a resolution. I have been without these funds since my refund processed through XXXX on XXXX XXXX XXXX. Hard to believe a compnay can withdraw funds without your consent and take up to 30 days to resolve their issue. Also the fact they are negatively reporting me as a negligent consumer should not be legal.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on OUT the account youre currently reporting is : XXXX XXXX XXXX XX/XX/2021. 
To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing this false account on my consumer credit report .The account that is being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS XXXX XXXXXXXX XXXX XXXX LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW TRANSUINION IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings . ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE COLLECTION ACCOUNT ALONG WITH OTHERS BUT YOU TRANSUINON ARE REPORTING THE FALSE INNACURATE INFORMATION.
Consumer complaint received 2021-08-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (VA)

Paid the company off inXX/XX/XXXX they still proceeded to place a lien on my property in XX/XX/XXXX and then went out of business now I can't get the lien off my property XXXX  placed on it because they went out of business. ( Security National Automotive Acceptance XXXX ) was paid off and proceeded to not handle the paperwork properly and did not close my loan but yet while liquidating assets and accounts were negligent and proceeded to hire a lawyer and place a lien on my home without proper communication. I can provide my account number for Security National Automotive Acceptance XXXX XXXX. 

I will like a letter emailed by CFPB or mailed stating that Security National Automotive Acceptance XXXX is no longer in business so I can get my lien removed through the XXXX of GA.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

The addresses that are posted do not belong to me I have never lived at these addresses delete immediately XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, LA XXXX
Consumer complaint received 2020-02-19
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. (AL)

UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX, XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX   XXXX  Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ALL IN CREDIT UNION Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Furniture, Etc. 
XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc. (TX)

On XX/XX/2021 hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on OUT the account youre currently reporting is : SELF FINANCIAL INCXXXX XX/XX/2021. 
To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing this false account on my consumer credit report .The account that is being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS SELF FINANCIAL INCXXXX BY LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW TRANSUINION IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings . ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE COLLECTION ACCOUNT ALONG WITH OTHERS BUT YOU XXXX ARE REPORTING THE FALSE INNACURATE INFORMATION.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION (IL)

I have an HSA account managed by UMB Bank from a former employer. I have been unable to access or utilize my funds for medical expenses via their online portal since XX/XX/2021. My employment ended on XX/XX/XXXX, at which point I lost all access to my HSA account via the employer 's benefits portal. Upon working with UMB Bank, they informed me I would not have access to my funds until 'sometime in XXXX ' after the employer has 'released my full account ' to them. In the meantime, they have provided me with a temporary read-only access into my funds on their system, but this temporary view does not provide me with access to my money. Meanwhile, UMB Bank continues to invest and profit off my roughly {$7000.00} in HSA deposits and investments. I have asked the bank if I could close my account and roll my funds into a personal HSA at another institution, however, I was told that this would not be possible until 'sometime in XXXX  '. I find this practice to be unacceptable, unfair, deceptive, and abusive. Their current policies and procedures have made it impossible for me to fully access my HSA money for almost two months at this point -- without a clearly defined end date. In the meantime I've had to pay for medical expenses out of pocket and on high interest credit cards.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (WA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-11-18
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. (FL)

This is XXXX XXXX XXXX  who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The XXXX Credit Bureau has not complied with the XXXX XXXX XXXX XXXX XXXX XXXX Sections XXXX and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2021-11-18
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)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX  has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-18
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. ()

The victim discovered on XX/XX/XXXX on his Experian report a fraudulent XXXX  XXXX XXXX XXXX account. The account was opened in XX/XX/XXXX, had an outstanding balance, overdue payments, and eventually was charged off in XXXX ; however, this record only showed up for the first time on his Experian report 8 years later in XX/XX/XXXX and on his XXXX report in XX/XX/XXXX. The fraudulent credit line significantly lowered his credit score, and prevented him and his wife from taking out a mortgage to buy a house. Victim has disputed the fraudulent account with XXXX  XXXX XXXX and Experian, which had led to no results after months of efforts. His Experian report also included incorrect addresses and birth date which may or may not be related to the incidence. In addition, he was also a victim of the XXXX data breach back in XXXX, and in XXXX during the COVID 19 pandemic, a victim of another identify theft where someone else attempted to claim unemployment insurance on his behalf, which he reported separately to the authorities. 

Very similarly, on XX/XX/XXXX, the victim 's wife also discovered on her credit report another fraudulent XXXX XXXX XXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the report for the first time 7 year later in XXXX. The report also includes several incorrect addresses in XXXX, which she had never been to yet. Fortunately, the account had not been overdrawn yet, but the couple jointly can not take out a mortgage anyway due to the severe negative impact of the husband 's credit score. 

Frustrated by the non-result of XXXX XXXX XXXX and Experian, the victims are now filing a complaint to CFPB and hope that justice will be done to restore their credibility as good citizens.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. ()

The victim discovered on XX/XX/XXXX on his XXXX report a fraudulent XXXX XXXX XXXX XXXX account. The account was opened in XX/XX/XXXX, had an outstanding balance, overdue payments, and eventually was charged off in XXXX ; however, this record only showed up for the first time on his XXXX report 8 years later in XX/XX/XXXX and on his Equifax report in XX/XX/XXXX. The fraudulent credit line significantly lowered his credit score, and prevented him and his wife from taking out a mortgage to buy a house. Victim has disputed the fraudulent account with XXXX  XXXX XXXX and XXXX, which had led to no results after months of efforts. His XXXX report also included incorrect addresses and birth date which may or may not be related to the incidence. In addition, he was also a victim of the Equifax data breach back in XXXX, and in XXXX during the XXXX XXXX pandemic, a victim of another identify theft where someone else attempted to claim unemployment insurance on his behalf, which he reported separately to the authorities. 

Very similarly, on XX/XX/XXXX, the victim 's wife also discovered on her credit report another fraudulent XXXX  XXXX XXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the report for the first time 7 year later in XXXX. The report also includes several incorrect addresses in XXXX, which she had never been to yet. Fortunately, the account had not been overdrawn yet, but the couple jointly can not take out a mortgage anyway due to the severe negative impact of the husband 's credit score. 

Frustrated by the non-result of Bank XXXX XXXX and XXXX, the victims are now filing a complaint to CFPB and hope that justice will be done to restore their credibility as good citizens.