davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
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: EQUIFAX, INC. (NJ)

I sent a report to this credit bureau over a month ago to resolve the credit report from inaccuracies being reported on my credit report and the last letter i received from XXXX, EQUIFAX, XXXX have not resolve the issue from the previous XXXX investigation the XXXX report has not been removed for inaccuracies. The lender that allegedly gave me a lawful loan for the automobile had no consideration for a contract to be enforceable and valid or full discourse of meeting of the mind. Therefore the investigation is not completed as satisfactory. This is the final notice before i sue for willful violations of the Fair Credit Reporting Act that remain on my credit report are in of XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Integrated Recovery Services (NV)

I have received repeated calls from XXXX XXXX and a XXXX XXXX. I returned the call after several empty threats that I would be arrested if I did not reply by a certain date, one was to reply by XX/XX/XXXX and then more calls were received that I had to respond by XX/XX/XXXX. The  date kept moving, I had not received anything via mail and I finally had enough and called back on XX/XX/XXXX and I left a message they needed to tell me what this was about. the next day I received another call with more threats, and then it escalated on XX/XX/XXXX when he started calling me at work. I told him that was my work and he could not contact me there. He kept calling back, I told him again to not call me at that number and he kept calling. I finally told my co-workers to hang up, and he kept calling. Finally I went to my manager and asked him to take the call and he got on the line, told XXXX XXXX that he was not to call there and then XXXX XXXX started cussing at my manager and threated him, he told him that he could not protect me, called him derogative names, and threated to call back every minute all day long to tie up the work phones. I received another voice mail at XXXX XXXX on XX/XX/XXXX that " you do n't act in that manner to a business matter and should grow up ''. I received another call from an unfamiliar number the other day so I called back - I got a recording that it was XXXX XXXX so I hung up. Now the calls and threats have started again. I have the voice mails saved if you need proof, and my manager will testify to the threats received at my workplace if necessary
Consumer complaint received 2022-06-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am writing to file a formal complaint against XXXX  XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/24, I notified XXXX XXXX XXXXXXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXXXXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX  XXXX complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. 
Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXX XXXX  XXXX. 
Please feel free to contact me at XXXX XXXX XXXX XXXX inaccurate credit reporting. According to 15 U.S. Code 1681- Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
A account can not be considered 120 days late 3 months in a row.
Consumer complaint received 2023-03-22
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2018-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

XX/XX/XXXX ... .Visit Citizens Bank . check act balance [ {$260.00} ] ... Service Charges total [ {$350.00} ] for 14 months [ {$25.00} each month ] started XX/XX/XXXX I closed my account and withdraw my balance [ {$260.00} ]. I had no statements for fourteen months, no emails, no simple phone call. 

XX/XX/XXXX Visit Citizens Bank ... met with branch manager ... .she reimbursed me with {$50.00} ... .and she said some one will call you monday or tuesday or wednesday or thursday ... ... ... .no body call XX/XX/XXXX Now ... Citizens Bank owe me {$300.00} ... ... my account was a normal account ... .no minimum balance.
Consumer complaint received 2023-03-22
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-11
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. (TN)

starting on XXXX XXXX thur XXXX XXXX, XXXX i have disputed serveral accounts on my credit report with XXXX XXXX. XXXX XXXX XXXX, GA XXXX, Experian XXXX. XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXX Consumer Dispute Center XXXX   XXXX XXXX  XXXX XXXX, PA. XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX/XXXX  or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX/XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX XXXX
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

Citibank N.A. has charge me a disputed late fee that started at {$26.00} and has grown to {$320.00} as of today, XX/XX/XXXX. I feel that I paid my bill on time on XX/XX/XXXX. It took 5 days to process this payment on XX/XX/XXXX and I feel that it was paid on time by me thru bill pay from my bank. I cancelled my account on XX/XX/XXXX because of this problem. I have contacted this bank by telephone and written information requesting that they were doing me wrong by wanting to charge me a late fee for this transaction. My XXXX SCORE has dropped from XXXX to XXXX due to this dispute.
Consumer complaint received 2022-09-15
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. (TN)

How was Equifax, XXXX, or XXXX able to verify this account it is still being reported if the alleged collection agency, XXXX XXXX XXXX, couldn't identify the account to respond to a CFPB complaint?
Consumer complaint received 2024-05-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OH)

My student loans were transferred to XXXX from Nelnet. I completed my loan forgiveness and XXXX has account closed. Nelnet, althoguht transferred my account, continues to show a balance on my credit report. I have contacted them twice and their response is they dont adjust because I am the consumer requesting this. XXXX was unable to resolve my dispute. 
I would like for them to close the Nelnet as paid off or transferred on my credit. 
It is still listed as active loan. 

Thank you
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2024 I deposited a check in the amount of {$610000.00} at Chase branch in XXXX, TX the check was cleared the same day as I was told by their employee XXXX who called XXXX at XXXX XXXX  and verified that the check was good and paid to Chase and the bank lied to me saying we need some time to collect the check while they had the fund in their position as I was told by XXXX saying we have the money and we will left the hold within XXXX hours on XX/XX/2024, but when he turned it to what he calls the back room where the XXXX  reside they denied to lift the hold and claimed that the hold will be lifted on the XX/XX/2024. 
Please investigate this matter which caused financial hardship to me due to the XXXX  ways of chase Bank
Consumer complaint received 2022-06-17
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

last XXXX i was making a payment, on time, to specialized loan service SLS. i went online to do this. 
i was duped by a company XXXX. a third party pay scam. never submitted payment yet they processed it anyway and charged me XXXX to do so. 
i never hit their submit button! 
anyway not knowing they submitted it I then called SLS a few minutes later to make a phone payment instead, which i did. that is two payments i made the same day. I thought i made a one payment. bank called to tell me i was overdrawn on that account.

i immediately called SLS and told them what happened. Since they received two payments in one day they said they would send one of them back. XXXX payment back in 10 business days by mail. 
that did not happen and after 27 business days i called them to see what happened to my money and after speaking to them they agreed to credit me and to apply that amount XXXX for my XXXX payment. So all is cool i thought till late XXXX when i get a letter from SLS telling me they electronically sent a refund to my bank. This refund was my XXXX payment and i receive a month and a week later So i called them and sent it back to them via phone immediately. 
Ok, its now XXXX, i go to make XXXX payment and they say i owe for XXXX after they have been paid for XXXX. 
I talked to them 12 times to resolve. They agree with me, tell me all is good and i have all the id numbers of their persons i spoke with. 
Ok, i go to make XXXX payment and they inform me i owe a late charge for last month. i almost fell off the floor! so they review and once again they tell me i right and wave the late charge. 
each time i ask them about my credit report and they all made claims it would not be reported and no harm to my credit score. you can guess the rest, my credit score takes a beating i am trying to rebuild my credit after injury. if you could help i would be soooo grateful. thank you ..
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

The year of XX/XX/XXXX Tax information was amended. I owe a XXXX balance by the social security administration. It's when I applied for XXXX that i started receiving these harassing phone calls and letters. This is a collection agency i never heard of false information. I don't owe {$5700.00} to the Irs. I wasn't working in XX/XX/XXXX and XX/XX/XXXX. I only worked for the XXXX XXXX XXXX and that was only years. I'm being harassed by a company named conserve. I don't know them and never did business with them. I owe student loans. By the Department of Education that i must pay monthly. It's not fair that I am being harassed every day. I have a freeze on my credit report. How was they able to biy this account and harrass me. I send in all documenations disputing this claim. And they still are trying to collect a debt i donot owe. At all.
Consumer complaint received 2018-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NC)

XXXX $ has been taken by PNC bank from me on XXXX XX/XX/2018. They also know that I have been a victim of fraud but they aren't helping in any possible way. I am an international student on loan and I have lost everything because of PNC.
Consumer complaint received 2023-03-22
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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)

I am a victim of identity theft and am not aware of this activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (WA)

I called XXXX in early XX/XX/XXXX to setup internet access. The sales rep and I negotiated the service package and price I'd be paying and set up a date for their technician to come install my service ( XX/XX/XXXX ). Following that call, I then called XXXX and got a better service package for a lower rate than XXXX, which I decided to take. I then called XXXX back and asked them to cancel my previous order. I believed my order was indeed cancelled since the technician did not show up on the scheduled installment date of XX/XX/XXXX. But in XX/XX/XXXX, I received mail from XXXX saying I owed them {$40.00} for a month of internet service. I called XXXX again and explained to them the situation - that I received a bill for an amount I did not owe. I explained that I had cancelled my order before installment and they confirmed that my services were never installed and agreed to close my account and wipe out the debt. I then received another bill from XXXX in XX/XX/XXXX for {$72.00} which I ignored because I believe I had already settled the issue with them. 

In XX/XX/XXXX, I received mail from XXXX XXXX XXXX XXXX, a debt collection firm, saying that XXXX had sold them my debt in the amount of {$72.00}. I wrote them within 30 days disputing the debt and asking for proof that XXXX had sold them my debt. They responded in XX/XX/XXXX with copies of monthly bills from XXXX for my account. I replied to them again specifically asking for " all copies of documents between them and XXXX that incontrovertibly show that XXXX sold them a debt that they ( XXXX ) claimed belonged to me ''. XXXX XXXX XXXX never responded after that. 

In XX/XX/XXXX, I again received mail from another debt collector ( Afni, Inc ) regarding my {$72.00} XXXX debt. It would seem that not only did XXXX XXXX XXXX fail to invalidate my debt, but my debt had again been purchased by another collector.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2022 i called Transunion to speak with the fraud department so they can help me with my issue but they didn't do anything about it. 

On XX/XX/2022 i applied fir a credit card with XXXX XXXX and i got approved. But on XX/XX/2022 i see that another credit inquiry was added to my report for a card i did not apply for.
Consumer complaint received 2023-03-22
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. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-03-22
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate the account ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$260000.00} this complaint will serve as a follow-up to my prior complaints
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a range of 4 to 6 credit card pre-approval offers from Capitol One monthly and every time I apply Im denied. I previously had a successful auto loan paid off with Capital One but can not understand why constantly send me credit card offers when you know you are not going to approve me. This has been an ongoing issue for nearly two years that only stack hard inquires on my credit report thus hurting my overall score. It is literally a cycle of confusion.