davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Today I am writing to see if you can help me with a bank that is completely ruining my finances and lieing and stealing money from me! On XX/XX/XXXX I ordered from XXXX the a total of XXXX, there was an issue with other I was refunded XXXX on XX/XX/XXXX and never appeared back to my account. I called XXXX thinking maybe an issue on there end and nope it was citizens bank, they gave me all the information I needed to verify with the bank. But instead of citizens helping me they kept taken XXXX out of my account everyday for overdraft, finally I filed a complaint, and the manager said I am so sorry we where having issues that week with refunds going into accounts, he told me my refund would be back in my account in a couple days along with overdraft fees totaling up to XXXX! A few days later I recieved a email from XXXX stating they have to charge me back because citizens demanded there money back and it was fraud!!!!!!!!!!!! It was not fraud it was my refund I then explained to XXXX and told me I had to contact bank where I have gotton now where but lies! My auto insureance was canceled due to them taken out overdrafts frees and not returning my refund! This is fraud on there part!
Consumer complaint received 2018-12-12
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. (TX)

Contacted Equifax back in XX/XX/2018 with reference the XXXX XXXX XXXX XXXX to investiagte the accolunts that have inaccurate information on the payment history. This is a paid colllection but yet reports as unknown on pay status? When XXXX  reports it as paid. How can it be different? I received a letter, but nothing was changed. I've waited to see for any changes but still is the same. 

The other concern is on XXXX collection account. Also it is a paid collection but shows unknown in the pay status and also show I failed to pay on a collection? Yet XXXX reports it as paid.
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXXXXXX 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (GA)

Western Union refuses to perform due diligence regarding 3 refunds/cancelation it has been. Over 45 days and I have yet to receive refunds from my wire transfers that was returned/refused from my biller/creditor
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (KY)

XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX had a lawsuit in XX/XX/XXXX. 
The for-profit company that operates XXXX XXXX Colleges in XXXX, XXXX and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} XXXX in loans for XXXX former Kentucky students.Kentucky Attorney General XXXX XXXX and other attorneys general Monday announced a settlement in which XXXX XXXX XXXX will forgive {$100.00} XXXX in outstanding loan debt held by more than 80,000 former students. 

The state and federal settlement with one of the nation 's  largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} XXXX. 

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness. 

*Indiana Attorney General XXXX XXXX said the deal will provide {$5.00} XXXX in loan forgiveness to 5,530   Indiana students of XXXX XXXX College and XXXX XXXX XXXX, i also did not receive my {$1300.00}. Due to this XXXX XXXX   closed my accounts but did not remove them. I would like them removed also
Consumer complaint received 2017-09-18
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. (FL)

All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of 10 million dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Unauthorized ATM withdrawals were made on my account starting XX/XX/XXXX-XX/XX/XXXX. 20 total unauthorized transactions were made in the total of {$2000.00}. My debit card was never lost or stolen, and was always in my possession. On XX/XX/XXXX I received an alert on the chase app that someone withdrew {$200.00} from my account. I immediately got on the app to find 19 similar transactions, which were under {$120.00} so i didn't get any alerts ( default settings ). I also got an email from chase because they suspected fraud on my account because the person got declined twice. I then called Chase and opened a fraud claim, and cancelled the card. Chase gave me a temporary credit and informed me they would do more investigation. A few weeks later they reversed the credit. I called the claims department, and the claims department lead began to tell me that they couldn't prove that it was or wasn't me, therefore they will not reimburse me. Not only will they not reimburse me but they wouldn't even tell me the product of their investigation. The person who made the transactions made them in XXXX  XXXX, I've never used the these ATM 's. 

Since then I have filed a police report, reported identity theft with the FTC and I am in the process of trying to get the video evidence from the ATMs they used to prove it wasn't me. 

I am a Vet and hold a Veterans account with chase and have been with chase for about 7-8 years. This is completely unethical and should be against the law.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have made repeated attempts over the last 6 months with Trans Union, XXXX, and XXXX to REMOVE whatever credit BLOCK, LOCK, OR FREEZE from my credit file. 
They have yet to do so. Today ( XX/XX/2022 ), I was denied the opportunity to open a SAVINGS account with XXXX XXXX XXXX XXXX because the bank manager stated there is still a BLOCK on my credit. 

I will be purchasing a car within the next few weeks and I DO NOT need this to affect my purchase. 

I DO NOT nor DID NOT authorize any credit bureau to place a credit BLOCK, LOCK, OR FREEZE on my credit file and I want it removed PERMANENTLY!
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (HI)

I paid off my American Express Credit Card XXXX, XXXX. I have been complaining and have received six letters from American Express that they are looking into and gave me six different dispute numbers. I have been reported to XXXX that I am delinquent. Each time American Express sends me a letter to acknowledge my dispute, they give name a dispute number and ask for more time to look into and resolve my case. Last week, American Express asked me to give them to XX/XX/XXXX to resolve the problem. I agree and this will be the 7th time to resolve my case. Also, they promised not to report my case as being delinquent, and I noted XXXX showed me delinquent with American Express early in XXXX. Before my last conversation with American Express. American Express did call me back this week and told me that I OWE THEM THE MONEY. I asked to see the statement showing where the charges are coming from and was told they could not provide me since it was last year. They told me I had to go back and check all my statements and payments made. I told them that was not acceptable since they claim I opened another card and I disputed opening a third card.. they said I requested a third card and I told I never did. They claim I had three cards with American Express and ask them to show me where I accepted and sign for a third card. They have really screwed up my two accounts which I have paid in full, therefore I need help from CFPB to make them send me statements showing where I opened a third account and made charges.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # 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 2019-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX/XXXX I submitted certified letters to all 3 credit bureaus ( XXXX, Transunion, XXXX ). I disputed numerous inaccurate trade lines on my account. I requested that they verify all items and provide me with documentation. After the first attempt no changes were made. I then submitted another certified letter to them again on XX/XX/XXXX. This letter was again in dispute of inaccurate reported tradelines. I requested they be verified and original documentation be provided to me. This request again was not completed. I then sent them a third request via certified mail on XX/XX/XXXX restating the purpose of the letter was to manually investigate all items listed. They responded once again that they are making no changes and that all information was verified. Yet again my request for manual verification was completely ignored. I sent them one final 4th request on XX/XX/XXXX again by certified mail, restating for the 4th the items that needed  to be verified or removed along with the the method, the name, and of course the original contracts that were signed with my signature. This final attempt was again ignored and not corrected. I have a copy of all certified and notarized letters, along with receipts of the sent letters. This needs to be completed and fixed and all items removed.
Consumer complaint received 2022-06-14
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. (NY)

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.

1-XXXXXXXX XXXX XXXX  has violated my rights 2-XXXX XXXX 15 U.S.C 1681 section 602A. states that i have the right to privacy.

15 U.S.C 1681 section 604A. section 2 also states that a consumer reporting agency can not funish an account without my written notice or instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section also states that 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.
Consumer complaint received 2022-10-20
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. (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. 

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, 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 2019-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NJ)

Ditech is suing for foreclosure without legal standing. They claim to control the underlying debt ( Note ) but I have correspondence from Ditech that they are " merely '' a servicer. 

I feel this this a deceptive, fraudulent misrepresentation of a company that is simply a servicer of debt.
Consumer complaint received 2019-03-23
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 a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. 
Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. 
Thank you.
Consumer complaint received 2019-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (UT)

This company has called me repeatedly even after they were asked to stop. They have called me from several different phone numbers. If I block one they call from another. They have even had the audacity to leave me several voicemails stating to respond before they begin legal proceedings I have no idea who they are and I do NOT owe them a debt. Even when I do answer they dont say anything. I have requested validation of the debt numerous times and never received it. They also failed to send me any written notice that any debt exists. I have been called at the dates and times listed below even after my request that they cease and desist. 

XX/XX/2019 : XXXX XXXX MST, XXXX XXXX  MST, XXXX XXXX  MST, XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST, XXXX XXXX  EST XXXX : XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX  MST, XXXX XXXX  MST. 

XX/XX/2019 : XXXX XXXX MST. 

They are violating my rights and the FDCPA. If they attempt to report ANYTHING to any credit bureau this will be a violation of the FCRA.
Consumer complaint received 2022-05-04
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. (LA)

There were about 5 hard credit inquiries that I didnt apply for on my credit report. Also a social security number that wasnt mines on my report. A couple of the inquiries occurred on XX/XX/XXXX. Some were on XX/XX/XXXX. There was a soft or hard pull on XX/XX/XXXX. I contact those companies and they looked into it and no open credit lines and I contact the credit bureau to dispute the fraudulent activity and added a freeze on my credit line.
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TN)

I was told by at least three of XXXX 's customer service representatives that if I pay the balance of the debt that it would be deleted from my credit reports. After making the payment now I'm being told that it's not their policy to delete. I have provided them with a screenshot of my payment and a recorded call of the representative stating that it would be deleted and no resolution. Now another representative has called to tell me that they no longer own the debt and that Convergent Outsourcing owns the debt. Upon making the payment, the representative from Convergent told me that it was up to XXXX to delete the item. I am being given the run around and I still don't even know who owns the debt. I sent a letter to Convergent last year requesting debt validation and request proof of validity and in the letter I asked about who owns the debt and their response was a simple bill but did not state who owns the debt or if they bought it. Each company has given me the run around and nothing is getting resolved.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

I've made several phone calls, and filed several complaints with the CFPD disputing Inaccurate Names and Addresses on my Experian Credit Report with no success. I have provided documents mailed to me by Experian and creditors with my current address and correct legal name.