davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have been trying for two years to get one document from Citizens Bank, a discharge notice on a home equity loan. It was originally taken out XX/XX/XXXX at the XXXX XXXX XXXX  office of Citizens Bank XXXX, with a credit limit of {$50000.00} and filed with the XXXX XXXX ( XXXX  ) Registry of Deeds on XX/XX/XXXX as Book XXXX pages XXXX. I need the document so I can declare the land is free from liens before we grant a neighbor an easement on part of our land. I began nearly two years ago trying to obtain this document from Citizens Bank ( which is supposed to be filed with XXXX XXXX XXXX XXXX, XXXX XXXX, because the property is in XXXX XXXX  ). I first went to the XXXX XXXX office where I was told they don't handle that work in the branch office, but she gave me detailed instructions how to file the request by fax. I did, but waited several months without hearing from anyone. I then went to the XXXX XXXX office of Citizens,  located in a XXXX XXXX XXXX supermarket. The took my information and told me not to worry, I would get it in the mail in 10 days or so. I didn't. I went back a few weeks later and spoke to another person, who went to so far as to call the office where they handled these documents. Again, she said, it would about 10 days and she would call me then. But she didn't call. I tried to reach her using the business card she gave me, but the phone number was not answered and attempts to e-mail her were unsuccessful.. 
I'm not sure when the XX/XX/XXXX home equity loan was paid off, but the XXXX XXXX XXXX XXXX shows a subsequent home equity loan for {$77000.00} from XXXX XXXX  on XX/XX/XXXX, so I assume it was around that date. 
Please help. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX h XXXX c XXXX XXXX
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (OH)

according to section 15 USC 1692 in the Fair Debt Collection Practices Act, this is an common and illegal sale of third parties to collect a debt I did not consent or receive written verification via Mail of original documents. I have been harassed numerous times the day with phone calls and voice messages impersonating a legal matter and lawyer. I need these illegal credit reporting agencies removed from my report. I have removed the number several times and I still receive numerous calls from different numbers but from the same company. 

Company : National credit adjusters
Consumer complaint received 2019-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NJ)

Hi, on XX/XX/XXXX my Western Union account number XXXX was hacked by someone who chose a name from my receivers history to create an account in XXXX. 
The person they used lives in the XXXX XXXX. 
They transferred 3 transactions {$910.00}, {$910.00} and {$900.00} and the last transfer they tried was cancelled.The money was picked up from a bank account in XXXX without any ID or MTCN number. I spoke to WU and they did not take any responsibility because they said that the money was already picked up. I do not understand how they allowed someone to pick up this large sum of money transferred to a fake bank account.
Consumer complaint received 2019-04-01
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: EQUIFAX, INC. (NC)

I submitted an investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results of my credit investigations within 30 days but they have not.
Consumer complaint received 2024-02-09
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. (GA)

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. 


I told Experian to reinvestigate these accounts : Account name : XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? 
According to XXXX5 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-12-30
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-04-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

On XX/XX/2019, Navient withdrew {$790.00} from my checking account without my permission. This left me with {$46.00} for the month. I did not realize the withdrawal had been made until late in the evening on XX/XX/2019, which was a Friday. Navient was no longer open and is not open on the weekends, so I had to wait till Monday morning to call them to request it be returned to my account. I was told that the earliest the money could be refunded was 30 days, but they would mark it as urgent, which would mean it would be refunded between XXXX XXXX, which was still 2-3 weeks away. I was told by Navient that they took the money out because I had put it on autopay, which is completely false. I don't have a steady income, and would never put my account on autopay. I have nothing on autopay. Again, after they took the money from my account, I only had {$46.00} left in my account. Once the other pending charges from the weekend went through, my account went into overdraft, and now I have overdraft fees. This has caused literally all of my other responsibilities to be late. I can't pay for my health insurance, I can't even afford to put gas in my car so I can't get to work.
Consumer complaint received 2019-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

I was preparing for a boat trip with my mother when she got 2 notificiations that money had been taken from her paypal so i checked and i was shocked and i still am. I asked the site that the money had been paid from but i could only get a refund from one of them but i havent got the money back yet. the other site was a donation site so i couldnt. i deleted all the saved credit cards on my paypal and reported this to paypal and im still waiting for a reply.
Consumer complaint received 2019-04-02
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. (CA)

I was recently a victim of credit card fraud and identity theft. Someone had opened a XXXX XXXX card in my name so I contacted XXXX XXXX and they refused to do anything about it. I then contacted the three credit reporting companies. Equifax refuses to take a XXXX XXXX card off my report that was opened fraudulently. Both XXXX and XXXX have removed this account from my report. I have submitted a FTC and police report numerous times without success with Equifax. Equifax now shows the account as closed on my report and it is hurting my credit score.
Consumer complaint received 2019-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

Navient for a year has insisted that I have an unpaid late fee of XXXX. However if you look at my transaction history over the last two years any fees I have accrued were earlier last year and those were quickly paid off. I have over paid on my monthly payments, so it would make sense that I shouldn't have any late fees. I tried contacting Navient directly, but they weren't helpful. When trying to contact them a second time to try to get them to tell me exactly when that late fee was assessed, they haven't answered me. Each billing amount includes that late fee. The fee of XXXX goes as far back as May of last year. I have included my transaction history, the bills from XX/XX/2018 to the present, and the response Navient gave me when inquired about the late fee.
Consumer complaint received 2019-04-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (HI)

I have paid the final amount due on a mortgage, a refund was due to me in XX/XX/XXXX. I have called on a few occasions to ask for my refund to be processed. The amount was due to me in XX/XX/XXXX in the total amount of {$300.00}, I did not rec. the check. Call in XX/XX/XXXX to inquire when will I expect my refund. XXXX at the call center stated they will send a replacement check. I have not received it as of today. 

XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$94.00} I am still waiting for a refund of {$300.00}
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (VA)

I had an account with XXXX XXXX Card since XXXX, due to unfortunate events and bad financial habits my account had many late fees and issues. However, I always made payments till in XXXX I got into a personal situation ( divorce ) that kept me away from making my payments. Multiple time I speak with a company representative about my issues and the company provide me some help however the account when to a collection in XX/XX/XXXX.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion ran a background check using only my name and birthdate and pulled a lengthy criminal background on another person with the same name and birthdate but lives in a completely different state. TransUnion did not use any other identifiers to confirm they had the right person. I live and have always lived in Michigan, the other person with the record lives in Kansas.
Consumer complaint received 2018-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I '' m making a complaint about capital one businesses spark card. Because they shut my card down with out notice, or an email nor phone call. I tried to make a payment twice but it was bounced back because I did a wire transfer instead of an on-line transfer so thats why the payment was not going through. I did the  payment a third time and got it correct. but my card was still shut down I never missed a payment from capital one nor was I never late on a payment. So I asked them to remove the inquiry from my credit since they shut my card down and they refused. Pleas help me get this hard inquiry off my credit
Consumer complaint received 2018-08-29
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. (FL)

There was a credit inquiry for XXXXl XXXX credit card in XX/XX/XXXX. I was notified in XX/XX/XXXX that the hard credit inquiry was pulled. I called the bank to dispute since I didnt apply for the credit card and believed it was fraudulent activity. The XXXX XXXX bank sent the letter to let me know that they cancelled the credit inquiry since it was a fraud to all three agencies. However, Equifax never removes the inquiry and I have tried to disputed that with them 3 times. I faxed the copy of the letter from the XXXX XXXX bank to support my claim but still not fix. I would like to file a complaint against Equifax for that matter.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (AL)

My was card was used by several companies unauthorized by me. I called some companies trying to retrieve my funds back one company ( XXXX ) said that i shouldnt cancel my card because then they wouldnt be able to refund me my funds so i kept my card active. Some companies wouldnt refund me back, they said i had to file a dispute with my bank in order to retrieve my funds and my bank disapprove my dispute because they said i didnt cancel my card but i did Because i received a new card, This is fraud i need help getting my funds back.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (VA)

i still have XXXX XXXX still on my XXXX credit report and it has been removed from XXXX   but never was removed from my XXXX report it was reported as fraud and i would like it taken off my credit report
Consumer complaint received 2023-03-02
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. (MI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-05-04
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ; XXXX Account # XXXX ; XXXX FCU 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 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LendUp Loans LLC (AK)

Lend up / XXXX XXXXXXXX Last month I filled out an application for a credit card with Lend up credit card service, to see what kind of interest and the credit limit would be, I called and canceled immediately before the account was even opened, I told them I did not want a account with there services, yet they set an account up in my name with a credit card that was never used, never no money exchange to Lend up / XXXX XXXX or money to me. 
This is a scam to get people involved in there unfair credit habits and to take advantage of the credit consumers that try to build there credit. This company is a total scam. 
Please remove from all three credit bureaus as I never had a account with or paid any money to this company.
Consumer complaint received 2018-08-29
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. (PA)

I became a victim of identity theft and I submitted a ID Theft proof based on instructions from the FCRA XXXX which included documents such as, a signed FCRA Affidavit, proof of residence and identity, and police report. Unfortunately, all 3 credit bureaus only processed part of my request and many fraudulent accounts are still reporting. The bureaus stated that the accounts were verified by the creditor which is impossible!
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit act XXXX XXXX XXXX Reference ID # XXXX, has violated my rights. 

XXXX XXXX XXXX Reference Number XXXX XXXX XXXX XXXX Reference Number XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.C.S 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

Closed my account on XX/XX/2023 and got a check for XXXX dollars with Firist Citizens Bank got a paper in the mail from the Bank said XXXX in amount and XXXX over draft and XXXX over draft fees, on XX/XX/XXXX  dollar owe they say and on XXXX  2023, XXXX dollars they say I owe after a closing statement of XXXX owe on over drafts and over draft fees on XX/XX/2023 can you please help me
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Collection with Florida Dept of Revenue is reporting inaccurately on my report. These accounts do not belong to me and were removed and have reappeared on my credit report. This derogatory information is lowering my credit score.
Consumer complaint received 2018-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I became a victim of identity theft and I submitted a ID Theft proof based on instructions from the FCRA XXXX which included documents such as, a signed FCRA Affidavit, proof of residence and identity, and police report. Unfortunately, all 3 credit bureaus only processed part of my request and many fraudulent accounts are still reporting. The bureaus stated that the accounts were verified by the creditor which is impossible!
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been brought to my attention that the Credit Bureaus did not just ignored my request for the removal of the disputed items but has continued reporting the disputed items as verified and correct! This is a clear violation of my rights as a consumer! Under the Fair Credit reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, in my situation, the Credit Bureaus have been ignoring their responsibilities with the Fair Credit Reporting and have claimed that the disputed items are verified without sending me copies of proof of verification. Also, the Credit Bureaus are claiming to have sent me an updated copy of my Credit Report but I tell you, I have received nothing! I am submitting this CFPB Complaint to you today to complain about the Credit Bureaus willful non-compliance with the Federal Statute. With accordance with the Fair Credit Reporting Act section 605b, I am ordering the Credit Reporting Agencies to immediately remove the following fraudulent accounts and information : 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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} 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