davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I started working with the Citizens Bank , NA sometime in Late XXXX, XXXX  or Early XX/XX/2022 for my new single family Construction loan. That time, the bank asked me about all documents which I submitted in time. The Bank representative sent me an email on XX/XX/2022 stating the Loan has been approved and sent to processing department. At that time the loan was finalized for $ XXXX at 4.125 % interest for 30 years loan. Not sure what happened behind the door, and the Bank representative didn't submit all the documents I provided to them in their system. After a month I found out that the Loan officer working on my loan is leaving the Citizens bank and new person is taking over. The new team at the Bank informed me that there are bunch of documents missing on my loan ( which I already submitted to the bank ) - I argued with them how come the loan was approved if the bank was missing my documents. Anyhow, I resubmitted those documents asked and every time they ask for piecemeal information I have been submitting those within 1 business day. Just last week, the Loan officer email me that he was able to get me 4 % interest rate if I do loan for XXXX XXXX XXXX with no points. I agreed to him same day. Now today, I found out the loan officer left the Company and the representative mentioned, they need my bank statements and all again since the report date from my earlier submitted documents have been expired. Also she mentioned the Rare may also change. This has been frustrating and mental trauma with the bank. It is not Customer 's problem if Bank losses team members and they don't do their work correctly. The person working on loan has no sense of ownership or customer service sense. If I would have spent my time and money with some other bank knowing Citizens Bank is not doing their basic task, I would have saved my time and mental health. I spent money on Appraisal report for which I paid {$710.00} out of my pocket as needed by the Bank- which I would like to get refund from the bank as due to Bank 's inefficiency If I will have to take new bank it will be waste of money.

In short, I would like to file complaint about the monetary loss and mental stress provided by Citizens Bank for their inefficiency.
Consumer complaint received 2022-07-09
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. (GA)

N accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number # # # # # 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 customer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP (NJ)

I never opened up a XXXX  credit card in XXXX  I was contacted by a debt collection agency with a court order to garnish my wages for this card that I had no idea about. I contacted the agency told them this was not my card and I had no knowledge of it, and was told it would be put under dispute and they would contact me. Which I havent heard anything. I then created a account for identity theft for this card and sent certified letters to the court and the agency stating in words this was not my account and I filed for identity theft. I also asked for proof of my signature and transactions from the agency, which I still have not received.
Consumer complaint received 2022-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

On XXXX XXXX. I purchased crypto training for XXXX via zelle. Zelle not the receipent are.not giving me my money back. It is a scam. XXXX XXXX the person I paid has ignored me, the banks and zelle has ignored me. I have been given the run around for a year. All I wanted was the training. He never did that and he kept my XXXX What a stand up guy. He's now the owner of XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
The account Capital One is reporting is a charged off account which is canceled debt. A XXXX was issued. The account turns into gross income. Income can not be reported on a consumer report per federal law. This account is reporting inaccurate information. 
Consumer reporting agencies don't have permissible purpose. I have not given written consent. 
Delete this account from my consumer report immediately.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

On my account ending in XXXX XXXX XXXX XXXXXXXX there are numerous XXXX charges. That have not been removed from my account yet because of that it shows that Im past due when Im not the XXXX charges need to be investigated. There were also XXXX and XXXX accrued illegally during the investigation Period
Consumer complaint received 2022-07-09
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX these accounts has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-09
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  these accounts has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Disputes are claimed to be filed. Resolved within hours with no results. I have asked multiple times for negative items on my credit report to be VALIDATED or DELETED. They have not sent me.one original contract, payment history, balance history, credit insurance or interest rate for any of the items negatively impacting my credit. I demand to have these items properly investigated or removed.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (FL)

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXFRANKLIN COLLECTION XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious FRANKLIN COLLECTION XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX I, XXXX XXXX XXXX, hereby declare under penalty of perjury, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX, that the following statements are true and correct to the best of my knowledge and belief : I am XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, Ny XXXX. 
Pursuant to XXXX XXXX XXXX XXXX, I have the right to request and receive verification of any information reported on my credit report by TransUnion, XXXX, and XXXX, including the original sources of such information. 
Under XXXX XXXX XXXX  XXXX, I have the right to request a copy of my credit report from TransUnion, XXXX, and XXXX, which I have reviewed for accuracy and completeness. 
I assert that TransUnion, XXXX, and XXXX are third-party entities that collect and report information about consumers ' credit histories, and as such, they are subject to the provisions outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Furthermore, I believe that the practices of TransUnion, XXXX, and XXXX violate the provisions of XXXX XXXX XXXX XXXX, which prohibits the disclosure of certain personal information by third-party entities without the consumer 's consent. 
I affirm that the information provided in my credit report must comply with the standards set forth in XXXX XXXX XXXX XXXX, which mandates accuracy, fairness, and privacy of consumer information. 
Any inaccuracies or discrepancies found in my credit report will be reported to TransUnion, XXXX, and XXXX, as well as to any relevant credit reporting agencies, in accordance with the procedures outlined in the Fair Credit Reporting Act. 
I request that TransUnion, XXXX, and XXXX cease any further dissemination of inaccurate or unverified information about me until such time as it has been properly investigated and corrected. 
Signed : XXXX XXXX XXXX
Consumer complaint received 2019-08-20
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. (DC)

On XX/XX/2019, I mailed XXXX XXXX a package comprising a copy of the letter from my mobile phone carrier, and a recent copy of my ID Theft Affidavit to support my claim of ID theft.  I sent the letter to both their credit reporting department and their office of consumer advocacy.  They have refused to accept the package at both locations. I have a photographic copy of the return receipt status attached to both letters. For some reason I cannot attach the copy or the letter.  This action is yet another in a long line of purposefully deceitful and shady actions perpetrated by XXXX XXXX.
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 


XXXX XXXX XXXX XXXX : {$11000.00}
Consumer complaint received 2022-07-25
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. (TX)

n accordance with the Fair Credit Reporting act 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 2022-07-25
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. (TX)

Title 15 violations title 46 Violations. 15 usc 1666b timing of payments violations 15 usc 1666d treatment of credit balance consumer refund demanded. Delete all Delete negative utilization XXXX XXXXXXXX balance.
Consumer complaint received 2022-07-09
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: TD BANK US HOLDING COMPANY (NJ)

I have sent over 7 rounds of complaints to the bureaus and now to TD bank directly for an account they had reported with late payments. the bureaus claimed this was verified, and I've never heard from TD bank. They have provided no proof that I was ever late and this account is not reported correctly and violates the FCRA in every sense. Each bureau reports a different XXXX. that is not even possible.
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (UT)

On XX/XX/2022 my employer notified me of a writ of continuing garnishment & instructions for wages to pay back a debt of {$1700.00}. Upon further investigation of my credit history and speaking to someone who helped me fix my credit, this is a debt I have NEVER been aware of, otherwise it would have been taken care of. It has not been on my credit history for the past ten years and I have no idea where they could have found this. The address the collection agency used was one I havent resided in for over ten years.
Consumer complaint received 2022-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (IL)

Hi. On XX/XX/2022 I tried to make a transfer of {$1000.00} from my Ally bank checking account to my account in the XXXX XXXX. Due to the insufficient funds the transaction was not completed, but I only learned about this development few days latter when I logged on to my account. Not only I got no message from the bank about this transfer being canceled, but my ability to make transfers was restricted as explained in this message I received trying to make another funds transfer from the Ally Bank- " We can't make this transfer due to current restrictions on your account. You need to call us at XXXX ( ALLY ) to resolve this issue. We're here 24/7. '' I contacted the bank as instructed and I got this message on XX/XX/2022 - " Dear XXXX, Thank you for taking the time to contact Ally Bank. I am happy to assist you with your account inquiry. I apologize for the delay in my response to your message and any inconvenience it may have caused. Upon review, I show the transfer in the amount of {$1000.00} initiated on XX/XX/2022 from the Interest Checking account ending in XXXX to the XXXX XXXX  account ending in XXXX failed due to there being insufficient funds in the Interest Checking account. I show a deposit was made into the account in the amount of {$1000.00} from the Ally Investment account ending in XXXX. However, the deposit was not posted when the transfer to the XXXX account was being processed. All mentioned accounts are now active and ready for use. You may reattempt the transfer to XXXX at this time. I truly apologize for any inconvenience this may have caused for you. '' However, on XX/XX/2022 when trying to make new transfer I found out that my account is still being restricted. During the chat with bank associate I was told that - " if a transfer fails, the system will sometimes suspend the account. I see that the XXXX account was unsuspended. However, the Ally account was not. '' On XXXX XXXX I sent a message to the bank asking for answers to the following questions : Why and what kind of " restrictions '' are on my account? Why there was no message about the transfer being denied? Why it takes several days to remove restrictions from my account? 
P.S. As of XX/XX/2022 I received no reply from the bank.
Consumer complaint received 2022-07-09
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MA)

I am writing this complaint, as a follow-up to my previous complaint against PayPal, that I submitted on XX/XX/2022. This complaint was resolved in my favor, which was asking PayPal to provide me with a way to withdraw my funds from an account they closed over a year prior, and despite them stating I may withdraw my funds now, I am still encountering numerous obstacles placed by PayPal. At first I was allowed to withdraw XXXX XXXX then XXXX $ a few days later, and then nothing but errors stating to try later. After countless phone calls with their support, I was told different stories by each PayPal representative telling me first to wait 12 hours, after which I still couldn't withdraw, I called again and was told to wait 72 hours.. Again I waited til 72 hours had passed, yet still couldn't withdraw. I called again and was told by the representative that " you will have to wait for another email from the backhouse '', I then asked to speak with a supervisor, and was DENIED this from the customer support rep, and told " a supervisor can not help '', and whilst still on the phone with this horrible PayPal rep, I was able to transfer XXXX XXXX completely disproving everything this PayPal rep was spewing. Currently, I have not been able to transfer more than XXXX $ every couple days, which is ridiculous considering I have over {$5000.00} still being held from me by PayPal, and forcing me to have to pay absurd fees for each transfer of XXXX $ every few days.
Consumer complaint received 2022-07-25
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)

n accordance with the Fair Credit Reporting act 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 2022-07-25
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. (TX)

n accordance with the Fair Credit Reporting act 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