davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I deposited a check into my account on XX/XX/2019. The receipt that printed once the deposit was completed stated that {$200.00} of the check would be released on XX/XX/2019 and the remaining total would be available on XX/XX/2019. On XX/XX/2019 I checked my account to find that the {$200.00} that was released on XX/XX/XXXX was removed from my account, and the entire check amount was placed on an extended hold until XX/XX/2019. I called the customer service number at XXXX on XX/XX/XXXX to find out what happened, and was informed that the only person that could release the hold was the branch manager. I called my local branch where I deposited the check and spoke with XXXX XXXX, as she said the branch manager was out for the week. XXXX helped me submit documentation to prove the check was legitimate so they could release my funds - the documents included a picture of a check ( from the same company ) that was deposited and cleared through my XXXX XXXX  Account, and another picture of a check that was deposited and cleared through my XXXX Account. I also provided monthly statements to show that the checks never bounced. XXXX also called the company that cut the check and spoke with the accounting department in order to further prove the legitimacy of the check. On XX/XX/XXXX, I spoke to XXXX and she told me they were waiting on an answer from the fraud department. I called the customer service line again and spoke to XXXX in the claims department, and he told me that the only person that could remove the hold was the branch manager, which was not what XXXX had stated to me, as she said it was now in the hands of the fraud department. At this point, this bank account is overdrawn with 2 overdraft fees and I had bills scheduled out of my other account that posted and caused 3 overdraft fees because I did not have the money to transfer into that account to cover the previously scheduled transactions. As I was originally told the funds would clear on XX/XX/XXXX, I am now a hostage in that the bank is holding my check and not releasing my funds and they will not give me my check back so I can take it to a different bank. They have cost me {$170.00} in overdraft fees, and have made it so I can not buy food, gas, pay rent, or get my car back from the mechanic. On top of that they are giving me the run around and acting like there is no person I can speak to that can actually resolve this issue for me.
Consumer complaint received 2023-01-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX  has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NC)

Getting ready to upload 4 page cover letter providing detail of transaction where merchandise was never delivered/installed and communication with XXXX aka Elan was ignored. Elan Dispute personnel claim " XXXX XXXX '' denied dispute iao {$1900.00} for purchase of gazebo XXXXXXXX XXXX  XXXX which was never delivered/provided to cardholder. Also submitting 8 pages of documents further evidencing failed transaction. Dispute process at Elan does not adequately investigate dispute and fails to protect cardholder rights!
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I was not enrolled in College of XXXX XXXX XXXX XXXX XXXX - only reporting to Experian and XXXX XXXX at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XXXX / XXXX ( responded in XX/XX/XXXX XXXX, XXXX / XXXX ( responded in XX/XX/XXXX XXXX and XXXX of XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XXXX of XXXX. The amount is {$1300.00}. I have included the original XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all XXXX bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all XXXX credit bureaus and they refuse to remove.
Consumer complaint received 2022-02-19
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. (NJ)

NOW I WAS OVERLY NICE LAST TIME!, NOT THIS TIME.  PROSPER MARKETPLACE HAVE REPORTED A BALANCE THAT WAS DISCHARGED IN XXXX XXXX OVER TWO YEARS AGO.  THE BALANCE IS ZERO, NOT $10,200.  ITS NEGATIVELY AFFECTED MY REPORTS FOR TWO YEARS NOW.  ONLY A MONTH AGO THEY PROMISED TO FIX BUT HAVE NOT.  THEY DO NOT CARE, AND O THOUGHT YOUR FIRM WOUKD HELP, BUT YOU HAVE NOT AS WELL.  WHAT NOW???

XXXX
XXXX XXXX XXXX
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (MI)

I was notified by email that I was charged {$750.00} for an XXXX XXXX XXXX and charged to my Pay Pal account! I called Pay Pal and they told me that I had cancelled my Pay Pal account on XX/XX/XXXX in 2021!! They gave me a transaction number, and order number! They also gave me this telephone number to XXXX in XXXX XXXX XXXX CA!!
Consumer complaint received 2020-02-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NM)

I have tried several times by email to contact customer service, my mother is XXXX she is the customer-I was looking at her contract and it states that they charged her over {$5000.00} in finance charges for a loan she barrowed {$2500.00}. After I read her the loan terms she freaked out because they collected over {$2900.00} since XX/XX/19 and only {$300.00} went towards her principal. I believe this is wrong and can there be something done? Again my mother is over XXXX years old and XXXX.
Consumer complaint received 2020-09-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (SC)

On XX/XX/2020 I called New American Funding to inquire about home financing for an FHA loan, first-time homebuyer. I spoke with XXXX XXXX, NMLS # XXXX and XXXX pulled my credit while on the phone. I was very forthright about my needs and purchase timeframe for 1-3 months along with the challenges resulting in the need to pursue FHA financing. As a mortgage professional, I am well aware of what goes into a pre-approval and the credit requirements for financing in terms of minimum credit score, finance approval, etc. After XXXX pulled my credit, he indicated that he would send me a copy of the report to review along with a text with an access code to download the report, all of which I have in writing via e-mail. Since XXXX, I have followed up with XXXX on 2 separate occasions and sent income documentation for a preliminary approval and have received no response or acknowledgment to any follow-up inquiry, nor have I  received the access code to view the report XXXX indicated he would provide as a courtesy. The communication has been very unprofessional and I still do not know where I stand and my credit score has been further impacted by a hard inquiry from a company that does not care about the consumer.
Consumer complaint received 2019-02-01
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: EQUIFAX, INC. (MD)

I sent a letter XX/XX/2018 to Equifax which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I received a response from Equifax but they failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation. In the investigation all they provided was that a third party XXXX XXXX provided the information in which I submitted documentation that XXXX XXXX was unable to verify the information and has deleted it from their records.
Consumer complaint received 2019-01-25
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 — Was not notified of investigation status or results
Company: California Business Bureau, Inc. (CA)

My credit is getting dinged by a debt collector for services supposedly unpaid to a home health care company. I have asked both the debt collector and the home health care company to detail the supposed billings and the amounts already received and neither company has responded. In the meantime, my FICO score has declined 100 or more points.
Consumer complaint received 2019-01-25
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. (CT)

I reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my Equifax and XXXX  ; and I'm assuming my XXXX  as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XXXX . We eventually went with XXXX XXXX XXXX XXXX  but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave Fairway permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX dealer ship in XXXX CT, on XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points. 
If, you can help with getting a number of these inquiries removed I'd greatly appreciate it.
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NC)

In XXXX, I ended my contract with XXXX when I moved away from their service area. I paid the termination fee, as needed. I paid this via the website, per usual. I'm not sure how wires got crossed ( or if they did ), but XXXX now claims that I did not pay the termination fees. In XXXX, Diversified Consultants, a debt - buying collection company, bought the alleged debt from XXXX, and began pursuing collection. In XX/XX/XXXX, Diversified Consultants sold my debt to another debt - buying collection company, XXXX XXXX , XXXX . This has caused damage to my reputation via my credit reports. I have disputed this multiple times and it keeps coming back to haunt me, because it has not been removed from my XXXX  nor XXXX  credit reports. I just want this to go away for good.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (NV)

I filed a previous complaint on suntrust nothing was addressed about Suntrust Closing my account and holding my funds {$2300.00} I have no acess to them Suntrust has violated consumer bank protection laws and are fraudulent
Consumer complaint received 2022-08-29
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. (IL)

XXXX XXXX XXXX XXXX paid in full tried to dispute XXXX XX/XX/XXXX paid in full tried to dispute XXXX XXXX XX/XX/XXXX to old to be on my account tried to dispute XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX two different dates tried to dispute XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX tried to dispute to old to be on my account Extra XX/XX/XXXX do not recognize this account tried to dispute XXXX XXXX XX/XX/XXXX paid in full tried to dispute
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove 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, Chapter XXXX Bankruptcy XXXX, Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2019-01-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (ID)

Received letter in mail on XX/XX/2019 from XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX attempting to collect an old debt that I was never aware of and not notified of in the past from XXXX XXXX for {$360.00}. Letter states that because of age of debt I can not be sued but debt can be renewed and I can be sued if I promise to pay or make any kind of payments. I feel like they threaten me by stating that I should determine the effect of any actions taken on this debt. They follow up with a 30 day notice to dispute or consider this OLD and UNKNOWN debt valide. Reference number on letter is XXXX.
Consumer complaint received 2018-03-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (TX)

Direct Recovery Services has within the past two weeks contacted by brother, sister, brother in-laws, mom, ex husband, former employer and an old roommate. After my brother was contacted I called the number given to him and asked for clarification of debt or something in writing. The guy told me I was refusing to pay by asking that and wanted a debit card number for payment. I refused, he also stated to my brother in-law that it sounded like he didn't have a job and he could fill out a loan application. 
This harassment has caused extreme problems in my life and the constant phone calls to my family, ex family, ex employer and ex roommate are beyond extreme. 
I asked the gentleman that answered when I called how he got my brothers information and he said he looked up all of my contacts. My brother in-law was also told that I used him as a reference which I would never do because I can't stand him. They are asking for {$940.00} for a XX/XX/2016 debt that I don't recall having with XXXX. I had a previous loan with the company that was paid in full. These people are extremely rude, aggressive and vague on every conversation they have had.
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I contacted National Credit Adjusters regarding the alleged XXXX debt they claim I owe demanding validation of the debt pursuant to the fair credit reporting act as well as the fair debt collection act. National Credit Adjusters has refused to validate the debt.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (NY)

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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-02-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I sent a letter XX/XX/2018 to Experian which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I have not received a response from Experian to this letter and the accuracy to the report. By not replying in a timely manner to my initial letter Experian has not only violated federal law, but also failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This letter is an official complaint that the credit information you are reporting is wrong and missing parts. 

Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act says that you must physically check any signed customer contracts before putting them on a credit report. This is for all accounts that you put on a credit report. If not, anyone who pays you for your reporting services could send in a fake account by fax, mail, or email.
Consumer complaint received 2020-12-17
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. (TX)

i have filed an ftc report and faxed it over to Equifax and XXXX  due to the fact that i am a victim of identity theft. equifax and XXXX  did not respond properly as i have listed the inquiries that was listed on the report as which is on the ftc report. there still there in i find this as a violation and stress due to not having my rights taken seriously ... 

I checked my report and discover inquiries that doesn't belong to me which is fraudulent inquiries. The inquires are 1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX  XXXX XXXX 4. XXXX please equifax and XXXX  remove this information that isnt mind i didnt give anyone perimission to authorize inquiries.