davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I went to my bank, Citizens Bank of Friday XX/XX/2018 at XXXX to send an international wire. The employee filled out the wire form and I specifically stated I wanted to wire {$4800.00} US. She completed the form and I left with a signed photocopy. The next morn ing, Saturday, I woke up and checked my accept and realized that over {$5100.00} was a withdrawn from my account and not the {$4800.00}. I immediately went to the bank and they said there was nothing that could be done until Monday. I went to the brach on Monday as soon as it opened and the person said there was nothing she could do so I said recall the wire. I called the recipient of the wire and he said he had not received anything. So I told the employee to immediately recall the wire ad refund me all the money that was removed from my account. The employee said she would and to come back in a few days. I checked my account the next day and still no refund. Went back to the bank and the employee saids she was working on it. I checked my account every day and kept going back to the branch for a period of two weeks. Finally, I noticed the branch had a new manager and I asked him to investigate. He produced to me his copy of the wire paperwork which has cross outs and changes and bore no resemblance to my copy. I also told the manager that the employee had been watching my account, refused me the wire fee and had refunded three overdraft fees I was charged because she sent too much money and made my account overdrawn. The manager said there was nothing he could do and my money was gone. I then called the main number for Citizens and spoke to someone in the wire department and sent them copies of my original paperwork and the bank 's altered forms. She called me back and said they contacted the employee and first branch manager and they said I orally told them to change the amount. This is a lie. I said to the person working in the wire department, if I told them to change the amount, how come there s no paperwork with my signature authorizing the change and why would these two people be refunding me fees since the overdraft would have been my fault and not theirs? It has now been over three weeks and I just called Citizens again. told them the recipient of the wire finally rec lived the money and is willing to return it but does not want to incur any fees. I told Citizens to get the money and pay me back my money as I do not want any fees either. Citizens told me they can not help. I am VERY UPSET. Can you help me please.
Consumer complaint received 2022-10-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-06
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

POD AND BENEFICIARIES ... .requirements.

My complaint involves ALL PERSONAL ACCOUNTS ... ( savings, checking and cd or financial investment accounts ) ... .I have contacted the NC BANKING COMMISSION 3 times ... .and HAVE NOT received an ANSWER.

It seems that there are DIFFERENT requirements to allow POD and/or Beneficiaries on any kind of checking or saving or financial investment accounts ... ..and it seems that NO ONE in NC has a CLUE about requirements or rules about this. I, personally, did my own LOCAL RESEARCH/SURVEY after having *issues* with the problem. It seems as IF some banks requirement the name and address of the person ( s ) who are added to the account as POD or Beneficiaries ... .while other banks REQUIRE SOCIAL SECURITY NUMBERS, DRIVER 'S LICENSE and EVEN want the people appointed to COME INTO THE BANK to be added to an already established account. SO ... .with my results ... even though I was TOLD by a couple of banks that *IT IS THE LAW* to gather this information ... .I CAN NOT understand WHY no one will verify what is EXACTLY REQUIRED to do this. I am reporting this since I feel it is IMPORTANT ISSUE which NEEDS to be ADDRESSED and ALL BANKS NEED to follow the REQUIREMENT of doing so.

PERSONALLY, I think asking anyone for the information is a PRIVACY ISSUE ... ..as I do NOT or WILL NOT ask another person, ( EVEN RELATIVES ) for their Social Security Numbers and/or their Driver 's license to add them to an account ) ... .THIS is also a PRIVATE MATTER as well ... suppose I decide to *change my mind and no longer want them to be on my account or decide that I made a *MISTAKE* of adding them. AGAIN ... this is a PERSONAL AND PRIVATE MATTER and someone needs to ADDRESS the issues we have here and MAKE SURE that ALL BANKS FOLLOW what exactly is REQUIRED and is NEEDED.
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I have been a XXXXe XXXX for the past 12 years. I recently contacted my student loan provider, Navient, regarding the XXXX XXXX XXXX XXXX and informed them that I have fulfilled my XXXX qualifying payment necessary to have the remaining balance forgiven. Upon doing so, I was informed that while my loans are consolidated, they are not the correct type of " consolidation '' that qualifies. I was informed that I could, however, " re-consolidate '' my loans and start the process all over. And, in 10 years have my loans forgiven. I feel I was given bad information and I have never heard nor been informed of any " special '' kind of consolidation process to qualify for the XXXX XXXX XXXX XXXX. Furthermore, ALL of my loans are federal loans which were consolidated upon graduation from XXXX University during the winter of 2004. Even more troubling is the idea that if such a requirement exists, it was not relayed during my eixt interview or when I began making my initial payment 11 plus years ago.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is incorrect. According to 15 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

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 2022-10-05
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)

In accordance with the Fair Credit reporting act XXXX  account # XXXX or account name XXXX XXXX Bank, 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 report agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NJ)

I have sent letters to the credit bureaus but I have not been notified of the status of the disputes so far. 

According to the FTC they have a maximum of 45 days to respond and they have not done so. 

I have negative items affecting my credit score and they have not been corrected. 

I am attaching the proofs of the letters that I have sent to the 3 credit bureaus. 

I appreciate your prompt communication thank you so much
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I disputed the referenced Chapter XXXX Bankruptcy with credit report of XX/XX/2018 and your report shows the items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted TransUnion regarding unauthorized inquiries on my consumer report. My complaint addressed inquiries from XXXX XXXX XXXX. TransUnion decided to send me a report stating " been verified '' on accounts that I didn't dispute. I already know that I have a truck loan, also the XXXX card I'm aware of these accounts. TransUnion has given me information that I'm completely aware of this is not what I disputed. What aspect of Metro 2 was used for this information.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: B9, Inc. (KY)

I had to order a replacement card for my account. I called in XX/XX/2023 and the customer representative said they placed the order and it would take 7 - 10 business days to receive it. I called in XXXX XXXX to inform them that I have not received it. That representative said an order was never placed but not to worry they just placed the order and it would take 7 - 10 business days to receive it. Once again never came. Contacted them again and was told a replacement card was never ordered but once again not to worry they are placing the order and it would take 7 - 10 business days to receive it. Never got it. Contacted them again and now it's 3 months later and I'm still waiting for a replacement card. In order to pay my bills I had to transfer money to my XXXX XXXX account which has cost me {$69.00} and I've asked to be reimbursed for because it's their fault someone didn't do their job right and I shouldn't have to pay for their mistakes. These are the fees. 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
Consumer complaint received 2017-07-21
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. (TX)

THIS company being reported on my credit reports are NOT my account : XXXX XXXX XXXX XXXX - Acct # XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I sent 3 written letter to the 3 credit bureaus asking for proof that this is my account, I also called XXXX XXXX for any kind of contract they have showing this is my account they have failed to do so. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. Their failure to positively verify this accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, The credit bureau and XXXX XXXX recovery services have failed to do so.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (NJ)

Please help me uncover what may be happening at American Express. I was just issued a replacement credit card ( previous card canceled ) with absolutely no notification, information or authorization. 
According to American Express, my personal information was " intercepted '' ( no  fraudulent charges made ) by a 3rd party so they issued me a new card. The problem is that they did this without telling me and are now refusing to tell me anything about what happened or who " intercepted '' my information. 
They are telling me that they can not disclose anything to me because it is an ongoing investigation. EVEN THOUGH IT IS MY INFORMATION THAT HAS BEEN COMPROMISED. 
It sounds like they are covering up something and I am hoping you can help me find out what is happening. Thank you for any assistance!!!
Consumer complaint received 2022-10-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NY)

My name is XXXX XXXX Im a victim of unemployment fraud I have been going back and forth with department of labor since XX/XX/XXXX I filled my unemployment in XXXX of XXXX I had issues with my account with trying to login for months when I started my account late may or XX/XX/XXXX I finally got assistance with my account Around this time they reset the account for me and I was able to proceed with my application I was missing my social security card so I had to order a new 1 So I sent my Id and my passport information to dept of labor They told me they needed my social security card So I had to order a new one, do to the pandemic it took much long to receive it Around XXXX I receive my social security card and sent it over to department of labor Around XX/XX/XXXX started receiving my benefits Do to the fact it took so long to give them the social security card They started releasing payment that started from XXXX XXXX XXXX XXXX Everything was fine the funds were being deposit in my account for direct deposits Around XX/XX/XXXX had problems accessing my account My password was changed When I noticed that I called department of labors to inform them my information was changed They help me get back online When I got back access to my account I saw someone change my information My email, mailing address, and telephone number and they changed my direct deposit to debit card with key bank I saw that a debit card was created and mailed to the address that they changed my information too XXXX XXXX is the bank unemployment use to give you access to funds that are provided to you if you dont have a bank account Someone change the mailing address to XXXX XXXX XXXX XXXX XXXX NY XXXX Change telephone number to XXXX And also changed email to XXXX So at the time unemployment put block on my account Unfortunately when they locked the account They kept the fraudulent information Which caused this fraudulent account to continue to receive my deposit I call the labor department everyday for 2 years They told me be Patient it takes time to Resolve In XXXX they fixed my account so I can receive the remaining deposits In late XXXX the sent me a trace letter to contact bankcorp Which sent me to chime To come to find out this where my funds were being sent fraudulently I spoke chime the put in disputes and investigation to no avail The said give them up to 60 days to investigate which would of been XX/XX/XXXX No help I have the statement from chime for all the transaction I dont know what else to do I call labor department they say call XXXX Account number XXXX Claim id number XXXX Fraudulent account under my information The information above is the information tied to the fraudulent account I have account statements I have trace letter I have emails for 1 plus year with chime 2 years of expand to labor department what happened to me Everyone said they cant help me They took XXXX $