davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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: ACIMA CREDIT, LLC (TN)

Derogatory Information has been placed on my account by Acima Digital and it needs to be removed. acct number XXXX. 15 USC 6801 ( a ) The Gramm Leach Bliley Act states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. I did not give consent for XXXX XXXX XXXX to share any of my information with any nonaffiliated third party. Acima Digital is currently furnishing a Charged Off account on my consumer report. The Internal Revenue Service defines a charge off as income also known as a certificate of indebtness and according to the law Income can not be reported. Furthermore, there was no notice of my right to Opt out of credit reporting that was clear and conspicuous in accordance with the Gramm Leach Bliley Act. According to Acima Digital 's privacy policy they only share information with their affiliates and no other. This charged Off account needs to be removed immediately. This directly violates 15 USC 1692d ( 1 ) in which XXXX XXXX XXXX has harmed my reputation by reporting this derogatory information. Per 15 USC 1681n ( a ) ( 1 ) I am entitled to compensation of monetary relief of {$1000.00} per violation.
Consumer complaint received 2022-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens Bank has done the following : - The bank website and my statements do not show me who/what is debiting my account. I have no idea who has removed funds from my account. My transactions just show " Debit '' and the amount. It does not show the company or person who made the debit. The website does not provide this information nor does my statement. 
- I called to ask the bank who had made the debits from my account and the customer service rep was " not able to see it '' either- they could not tell me who was debiting from my account. 
- I called the bank on several occasions to complain about this and was given several different answers as to why I can not see who is taking money from my account. In one case I was told it was an " an IT error '' that had been happening that day - I had been unable to see who was debiting for over a week at that point- I was lied to. 

- I am constantly locked out of my online account now- when I try to perform password resets it does not recognize my information and forces me to call. I believe I am having trouble because I complained. 

I called my bank and they are literally not able to tell me who is debiting from my account. If it is fraud XXXX, nor they have any idea who is taking money out of my account. This bank is facilitating fraud- if someone is fraudulently accessing and withdrawing from my account- they are doing it with the assistance of this bank who can not tell me who is even taking the money, whether it is legitimate or fraud. 

The bank can not tell me who is debiting my account, this is aggregious.. How can a bank not be able to see who debited my account!? 

This complaint is regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  rights reserved. Citizens is a brand name of Citizens Bank, N.A. ( NMLS ID # XXXX ) Citizens corporate headquarters : XXXX XXXX  XXXX, XXXX, RI XXXX
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (RI)

TRS Recovery Services is trying to collect for a creditor called XXXX XXXX. I never did any business with this XXXX XXXX company. TRS is stating that I owe XXXX XXXX {$1000.00}. I never made no inquires to this company and never told them to open an account for me.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-08-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with Bank of America. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as  directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2018-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

My wallet was stolen the night of XX/XX/XXXX, someone took my CHASE debit card and somehow made two transactions at two different atms withdrawing more then I had in my account. The next day I saw my account was overdrawn and I immediately filed a claim. I also filed a police report. Ive been looking at similar cases to mine online and Ive been reading how CHASE has reversed countless claims with little to no explanation as to why or how they came to the conclusion of reversing the claim. I would like to know what are other legal actions I can use to help support my claim?
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I wrote a letter on XX/XX/year> to XXXX concerning an unauthorized inquiry they put on my consumer and credit reports. I heard no response in writing nor was I contacted any other way far as my dispute is concerned.
Consumer complaint received 2022-07-10
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 — Their investigation did not fix an error on your report
Company: National Consumer Telecom & Utilities Exchange, Inc. (NV)

The National Consumer Telecom & Utilities Exchange ( NCTUE ), Inc. continues to report information on my consumer report. I have submitted documentation from the creditor, XXXX in which they state that they would request deletion of the reporting of this account. XXXX, once again, has not done what they've promised to do ; I'm having to chase down their reporting to all of these bureaus, some of which most people are not aware of, and end up with yet, another complaint here. As you will see from my correspondence, I've spoken to XXXX, and was told that they no longer have the debt and to contact XXXX. Well guess what XXXX : Here we are again! Everything is attached, including my correspondence to NCTUE, XXXX 's letter, and NCTUE 's investigation results stating that they are still reporting this negative account on my consumer report.
Consumer complaint received 2018-08-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: S.B.S. Trust Deed Network (CA)

A small mortgage company offered a {$23000.00} HELOC on my home in XXXX. I signed documents for {$23000.00}, but only {$7000.00} was received. After making approximately 3-4 payments, the mortgage company literally disappeared and stopped sending me statements. Now, fast forwarding to XXXX, I find out that the loan was actually transferred or " sold '' about 5 times since XXXX and the new investor is foreclosing on my home with a new balance of {$220000.00}! 

I've consulted with a Real Estate Broker who says he's never seen anything like this. 
The investment company is impossible to contact and does not return any of my phone calls. This is utterly devastating. How can lien holder do this?
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (MI)

All companies involved have infringed on my right to privacy as granted by federal law and failed to provide necessary disclosures. I have tried to resolve this issue amicably now I am requesting immediate action. Please correct this information from my credit file. XXXX XXXX XXXX Balance : {$82000.00}
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

Tried to get my free credit report from Experian several times within the last month and could not gain access. 

Tried to obtain my free Experian credit report through XXXX and could not gain access to it. 

Experian requested that I created an account, which I created with my email address XXXX as the username. But everything I tried going to the next step error message states : Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. 
Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX to XXXX XXXX PT Sat - Sun : XXXX XXXX to XXXX XXXX PT, All I want is to obtain my credit report online. 

I called XXXX only to be told wait 72 hours and called back, because system lock file. ; I call back XXXX three days later and the automated system would not connect me with a live person. 

Felt that the automated telephone system purposely had me going through different prompts that prevented me from speaking to a live person. 

As of today, I dont have access online with Experian to get my free credit report or to file a dispute.
Consumer complaint received 2018-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or one that you represent. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Neither did your company XXXX ever contact me regarding this alleged account. I have never heard of you until I reviewed my credit file. XXXX never gave me the right to dispute the validity of this account before putting into my file or still to this day I have never heard from your company. How can you just insert a negative remark into my account without first giving me my right to dispute the account? This account is a direct result of identity theft and should be removed. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps asap.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

This debt was attempted to be collected by XXXX last year they could not prove I owe the debt because I do not owe the debt had to be removed from my credit report. They have since sold the debt after removing it a month ago to Enhance Recovery XXXX XXXX XXXX XXXX FL XXXX for {$1200.00}. They are now reporting this bogus debt to my credit report.
Consumer complaint received 2018-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC. (TX)

On XX/XX/2018 i called XXXX XXXX XXXX in regards to sending me a letter stating that they sold the account to another lender. The rep from Exeter Finance stated that she could not send me this information and stated that the account is no longer with them, but was sold to XXXX XXXX XXXX and she presented me with the number to call them. I contacted the company XXXX XXXX XXXX on XXXX XXXX requesting for a physical address for the company and the rep stated that she could not give out that information to me. Then i proceed to give the rep the account number that is on my credit reports to see if XXXX XXXX Funds have that account number along with my name/ssn. The rep stated that they do not have anything in their office with that account number, social security number, address or my name. Rep called me back on the same day after speaking with her supervisor stating another company XXXX XXXX has the account and she presented me with the company number. I then contacted XXXX XXXX asking rep about this account, and rep stated that their company doesn't have any information with my name or social security number in their office. XXXX XXXX XXXX sold the account to XXXX XXXX XXXX, which is stated on all three credit bureau reports and stated Paid In Full.This has affected me physically, mentally, and emotionally along with severe health problem. 
I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX or XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

XXXX/Resurgent have failed to provide me with all the information I have requested from them to validate the debt, this has been going on for 2 years or more. I have disputed the amount because I was not under contract any with XXXX, my monthly bills do not add up to {$1600.00}. I have requested a detailed summary of the amount they claim is owed, not just a paper stating that I owe the amount. I want a complete statement of the all charges they are claiming I owe and they have failed to do so numerous times. 

They have this reported to the credit reporting companies and I have disputed with them as well and everyone fails to investigate correctly.
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-31
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: Financial Service Center of Ohio, LLC (OH)

i applied on XX/XX/XXXX18 for a payday loan with XXXX of ohio. i was approved for XXXX dollars but later the same day i returned the money and cancelled the loan because i changed my mind i signed paperwork stating the loan was cancelled. i returned today XX/XX/XXXX18 to receive a new loan because i wanted to pay off the new loan on XX/XX/XXXX2018 and the old loan would not let me go out that far. when i went in to the store i was told that i didn't need to reapply because they still had my information from last week. all i had to do was provide a new copy of my bank statement with the last 30 days of activity on it which i did. the woman then states i was declined this time because they have just changed their underwriting process. i had no idea that they would pull another credit report from a agency called XXXX XXXX. i did not sign or give consent to have any credit report pulled today but they did it anyway. the woman in the store said nothing to me about this. i was given an adverse action letter but when i called the number it was XXXX corporate office and they would tell me nothing but i spoke to the district manager and was told they used my original application to run my credit again. i spoke to her on the phone last week and she stated all i had to do was provide a new bank statement. i believe that this company has violated the fair credit act because they ran my credit today without my consent they also threatened to misuse my personal information if i kept calling them to find out why i was declined .. this company is shady at best and i believe they misuse personal information and XXXX XXXX purchases this information from them to use improperly
Consumer complaint received 2022-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (CA)

Original Creditor - Washington XXXX XXXX XXXX ; XXXX XXXX XXXX MediCredit Inc ; Account Opened - XX/XX/XXXX Balance - {$1300.00} ; I noticed that this account entered collections onto my credit report and sent them a validation letter on XX/XX/XXXX. On XX/XX/XXXX I submitted Complaint ID XXXX notifying the creditor that they did NOT adequately respond. 

My request to validate the debt has not been responded to in full. I did NOT received the following in the company 's response : " - Provide evidence the Statute of Limitations has not expired on this account ; - Show me that your company is licensed to collect in my state ; and - Provide me with your license numbers and are a Registered Agent. - Provide a verification or copy of any judgments or lawsuits if applicable. '' As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. 

As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. 

Removing themselves from my credit reports should have occurred in the last Complaint ID XXXX as the validation was NOT responded to in full, and therefore the agency is now non-compliant to Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2023-03-23
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: HW Holding, Inc (AR)

After reviewing my credit profile on XX/XX/ I identified a discrepancy with an account listed as XXXX XXXX and validation was requested in the form of an dispute on XX/XX/ as this was an account that I did not recognize. I received a dispute result from XXXX today, ( XXXX  ) saying the account was verified, I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XXXX ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2019-05-03
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: CITIBANK, N.A. (TX)

had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. XXXX when people are put in the wrong position I'm sure XXXX XXXXa wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO