davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I need to dispute 4 transactions in my account made with my Debit card. 
The merchant never sent the items and I tried to reach the bank by phoen many times, nobody answered. 
So I sent them an email to " XXXX '' and they answer I should call them, but they dont pick up the phone so XXXX forced to submit a complain at CFPB. 

XXXX ) XX/XX/2021, XXXX {$810.00} It was an XXXX, must be delivered on XX/XX/2021 XXXX ) XX/XX/2021, XXXX {$84000.00} It was an XXXX, must be delivered on XX/XX/2021 XXXX ) XX/XX/2021, XXXX {$96000.00} It was an XXXX XXXX XXXX, must be delivered on XX/XX/2021 XXXX ) XX/XX/2021, XXXX {$97000.00} It was an XXXX XXXX XXXX, must be delivered on XX/XX/2021 XXXX
Consumer complaint received 2018-10-24
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)

The following informaiton belongs to someone else and should not be listed on my credit report. I am the victim of identity theft and I have reported this numerous times to the credit reporting agencies : XXXX/XXXX - fraud, XXXX - fraud, XXXX XXXX XXXX XXXX - fraud, XXXX  XXXX XXXX XXXX - fraud, XXXX XXXX   XXXX/XXXX - fraud, XXXX XXXX XXXX - fraud, XXXX  - fraud, XXXX - fraud.
Consumer complaint received 2017-06-21
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: Experian Information Solutions Inc. (NJ)

I ( XXXX XXXX ) was the victim of identify thief. I co signed a family member student loan note and subsequently the family member used my information to obtain additional student loans without my authorization. In addition XXXX XXXX home loans, informed the three credit bureaus my home equity loan payment was late for the month of XXXX 2017XXXX, I contacted XXXX XXXX and XXXX XXXX issued a letter stating according to their records there are no records of a late payment for my home equity loan account. <P/>I have attempted to contact the three credit bureaus ( Experian- XXXX XXXX, XXXX XXXX XXXX and XXXX-XXXX XXXX. Emails for all three bureaus are inaccessible and all three credit bureaus phone number offer credit reports and I was unable to speak with a live person to raise my concerns.
Consumer complaint received 2022-07-11
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. (MN)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX has violated my rights. 

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

15 USC 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NC)

XX/XX/XXXX, I received a call from XXXX XXXX from Phoenix Financial stating they were trying to collect on a medical bill from XXXX. XXXX explained the bill was from the ER. I explained to XXXX that I had not been seen in the ER in XXXX, which he was referring to, and that debt was not my debt. XXXX proceeded to ask me, if I would like him to inform me of what the hospital visit was for. When he asked that, I realized that is not only a HIPPA violation, but also a violation of the FCRA. More so a HIPPA violation rather because I informed XXXX that that medical bill did not belong to me.
Consumer complaint received 2022-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Albert Corporation (NH)

I want to tell you about my interactions with a company called Albert ( XXXX  ). They tout financial and budgeting resources, apps, and advice. I trialed their app and services and it has led to a financial issue I have yet to find a solution to. My experience made me wonder how often this happens to other families and what can be done to stop this predatory financial problem. The company began withdrawing monthly payments of {$7.00} from my account during my trial period and even though the app never worked correctly and kept locking me out and I never even got to use their services, they have continued to charge that monthly fee to my account without fail, despite being told numerous times by me to stop and to cancel whatever subscription they say I am supposedly using. I have full documentation of my attempts to resolve this issue. I am told to stop the payment from my banks end I have to pay a fee larger than the amount being taken and the bank said the company can keep taking the money every month so it would have to be stopped every month too. The {$7.00} a month doesn't sound or seem like a lot I know, but it adds up quick, plus it often results in an insufficient funds fee/charge from my bank and has caused vital payments like our mortgage to get missed resulting in a fee on our lenders end and jeopardizing our home buying process. This has resulted in significant emotional, financial, and familial stress for our family of XXXX. I can't imagine what people with even less resources than us do in this kind of situation. I don't think it's just this company that does this... 

I initiated the process back in XX/XX/XXXX. I made my second attempt to resolve the matter in XXXX of XXXX. In XXXX of XXXX I made my third and final attempt to resolve this issue in a satisfactory manner. The company admits that they did receive my communications in XXXX and in XXXX said they could issue a refund of just over {$60.00} but never issued the refund. Then just now in XXXX they said they could only refund {$24.00}. 

In XXXX of XXXX I sent them an email detailing what I would like to have happen. Their continued fraudulent electronic funds transfer were completed without proper authorization from the moment I revoked their privilege to complete the funds transfer with my XX/XX/XXXX correspondence.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-07-25
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: Avant Holding Company, Inc. (AZ)

I have XXXX fraudulent charges on my account XXXX USPS {$250.00} XXXX USPS {$290.00} I mailed in a dispute letter on XX/XX/2022. I also called to dispute verbally on XX/XX/2022, XX/XX/2022 and XX/XX/2022. 

They have not issued me a credit or responded to my letter as required by law.
Consumer complaint received 2018-10-24
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. (CA)

" " '' I have disputed this collection XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2022-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

To whom this may concern ; My name is XXXX XXXX I am a Federally protected consumer. And I have notice several FCRA/FDCPA Violations on my consumer report by a few credit reporting agencies. Violation that were done 15 usc 1681, 15 usc 6802. Just to name a couple. I would greatly appreciate if these Inaccurate/ Fraudulent accounts be removed from my consumer report immediately.

This is not a 3rd party filing this report. This is me a Natural person. Thank you.
Consumer complaint received 2022-03-12
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. (TN)

My privacy was breached by XXXX, XXXX, and Experian. Under the exclusion section # B anything that was extended or authorized from a credit card should be excluded from my consumer report. A credit card was used to open the following accounts : XXXX XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX! XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, Experian Account # XXXX, XXXX Account # XXXX
Consumer complaint received 2022-03-12
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. (TN)

My privacy was breached by XXXX, Equifax, and XXXX. Under the exclusion section # B anything that was extended or authorized from a credit card should be excluded from my consumer report. A credit card was used to open the following accounts : DPT EDXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX! XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account # XXXX
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CT)

We closed on our home XXXX/XXXX/XXXX. At the closing, we paid all of the XXXX real estate taxes. At that time, our loan was through XXXX. In XXXX of XXXX, we received notice that our mortgage had been sold to AmeriHome mortgage XXXX XXXX XXXX XXXX, nj XXXX XXXX. On XXXX XXXX, XXXX, AmeriHome mortgage repaid the 2nd portion of the XXXX real estate tax to the town of XXXX, ct. In XXXX of XXXX, we received a bill stating that our escrow was underfunded, and the mortgage company was raising our monthly payment by $ XXXXmonth. The total monthly payment was {$2400.00}. In XXXX of XXXX, I was completing my taxes, and went onto the town 's website to get my tax information and saw a credit of over {$3500.00}. I called AmeriHome in XXXX, XXXX, XXXX, XXXX and XXXX to explain that : # 1. They had overpaid the RE taxes from XXXX. # 2. They needed to get it refunded. # 3. They had to stop charging me this underfunded escrow charge of $ XXXXmonth because it was not underfunded. After hours on the phone in XXXX, I finally thought I made some headway. They gave me a new monthly payment of {$2200.00} ( still higher than it should have been ) and assured me that they were working on recovering the credit and that was due. In XXXX XXXX, I received another bill for the old amount, but was assured that there was an exception on my account and only to pay the {$2200.00}. This month, instead of calling, I sent in the same {$2200.00} and I received the letter attached. A copy of my next statement is also attached. They made a {$3500.00} error that they have passed on to me for over a year and a half. I ca n't even imagine what would have happened if I were not able to scrape together the extra $ XXXXmonth. I asked them every time I called for follow up or a resolution and have not received any communication. I do n't know where else to turn for help. Thank you, XXXX
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (GA)

I am contacting the CFBP regarding a XXXX XXXX Credit Card showing on my consumer credit report. Since XX/XX/2016. I have sent 3 credit validation letter and an offer letter to pay a portion of the claimed debt in an efforr to resolve although it has never been verified. I am doing everything I can to communicate with this company and work to have this information removed from my credit report. However, they are not communicating with me and acting as if the damage this account is causing to my consumer credit profile is not urgent. I NEED a resolution and the account removed from all three of my credit reports. That is all I am asking.
Consumer complaint received 2022-03-12
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)

Over the course of 30 days I have filed a dispute in regards to inaccurate and false information on my credit report. Ive attached a copy of my dispute mailed in certified to Equifax and they are still reporting these incorrect items. According to the fair credit ACT, section 609 ( a ) ( 1 ) ( A ) they are required by Federal Law to only report Accurate information and the have not done so. They have not provided me with any proof i.e. and original consumer contract with my signature on it proving that this is my account.

Further more, I would like to make a formal complaint that Ive tried calling Equifax Over 10 times this week and every single time Ive called Ive asked for a representative in the fraud dispute department wants transfer it over there when you speak to the representative and let them know that you are looking to dispute inquiries and accounts due to fraud they immediately transfer you to their survey line essentially ending the call. I believe Equifax is training their representatives to not help consumers over the phone and performing unethical practices. 

Once I finally got a hold of a representative she told me that she could not help because I did not send in my Social Security card which violates my consumer rights. So Im Making a formal CFPB complaint that you will correct Equifaxs actions. 

Below Ive written what is also included in the files uploaded, my disputes for inaccuracies on my credit report.
Consumer complaint received 2018-10-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Captial one credit card Open XX/XX/2018 Its not reporting on my credit report For all three credit companies Plus my users on they report
Consumer complaint received 2018-10-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (FL)

XXXX XXXX credit card Open XX/XX/2018 Its not reporting on my credit report For all three credit companies Plus my users on they report
Consumer complaint received 2017-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (WI)

spoke to state collections to resolve issue but they were only interested in collecting information from me. on XXXX XXXX told them to send me information about this debt as required by law, still have not received information. they have reported to credit agencies affecting my credit.
Consumer complaint received 2017-06-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (HI)

I graduated from XXXX XXXX University in XX/XX/XXXX and then moved to XXXX to begin my career in XXXX as a XXXX XXXX XXXX XXXX in XXXX. When summer rolled around and my student loan payments became due they were more than I actually took home monthly. I contacted Navient and was told my only option was to put the loans into forbearance. Which I qualified for because of my low income status. While in forbearance the loans would continue to accrue interest and I would not be eligible for the federal student loan forgiveness programs because I was not making a payment. This continued from XX/XX/XXXX until XX/XX/XXXX years ago when I was informed by a colleague at work that I could qualify for an income based repayment option. Turned out due to the high cost of living and the low XXXX  salary in XXXX XXXX my payment is {$0.00} per month. As a XXXX in a XXXX XXXX XXXX working full time I qualify for the Federal Public Service loan forgiveness program ; which I am signed up for now. This program requires 120 payments on the loans ( 10 years of paying monthly ) and then the remaining balance will be forgiven. Even a {$0.00} payment qualifies, this program was designed specifically for state and government workers whose jobs require higher education but the salary is typically low. I spent fromXX/XX/XXXX until XX/XX/XXXXon forbearance and none of that time counts towards forgiveness. I am very angry because on several calls I asked specifically for help in the monthly payment and for information on loan forgiveness and was told forbearance was my best and only option. So now I have to continue accruing interest and making the adjusted payment for another 8 years, when if Navient had offered me the program I asked for to begin with, this year would be the end of my student loans. I love being a XXXX but the only way to maintain my license and to increase my pay is with continued education. I have to use the federal loan service to continue my education and advancement in my career. But I have over 100,000.00 in loans and at this point I was not even able to buy a car or to be part of the mortgage when my husband and I bought a home. I was naive in the thought that because it was a federal loan the servicer would want to offer me the best options and I am very angry that this company has put my family into financial strain. I am sure there is no way to get back the time that navient took from me but there should be compensation of some kind at least in the interest amount that was collected.
Consumer complaint received 2022-07-11
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. (TX)

Looked at credit reports and seen fraud and swindles all negative remarks are swindles and fraud ... XXXX XXXX Office of attorney general loan. XXXX XXXX loan. All late payment on any account.. XXXX equifax and XXXX
Consumer complaint received 2022-03-12
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. (AZ)

XXXX XXXX AC # XXXX, DO : XX/XX/XXXX, Amount {$840.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$22000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount:XXXX, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.