davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ABR Recovery Services LLC. (MI)

A person named " XXXX '' stated he was calling from " ANR Recovery '' and that I owed a debt in the amount of {$500.00} to " XXXX XXXX XXXX XXXX '' due to an outstanding payday loan taken in 2016. ( Did not happen ) He also said his company is called XXXX XXXX. He said that he mailed me verification of the debt 90 days ago and since I didn't respond, he is now calling to see if I want to settle the debt for {$600.00}. If not, the debt has accumulated penalties and interest and now totals {$2700.00}. He said it would be reported on my credit as well as more collection efforts would be done. I asked who the original creditor was ( i.e., XXXX, XXXX, etc ) He said he did not have that information and only XXXX XXXX XXXX XXXX was actually owed the money as they were the lender for all the payday loan companies. He had my social security number, birthday, driver 's license number, address and phone number. I asked for a phone number where I could call him back. He gave me the number of XXXX. I did attempt to call that number from a different phone and he did answer - but his identification of who he was was muffled. I hung up. The number he actually called me from was XXXX.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Citizens Bank has refused to close my savings accounts for over a year. In XX/XX/2022, I visited my local branch to close XXXX savings accounts ( XXXX and XXXX ). The bankers there told me that my accounts would be closed, but they did not close the accounts. They also refused to terminate the recurring ACH schedule and refused to instruct me on how to do it myself. I explicitly told them I revoke their permission to pull further ACH transactions from me. 

Almost a full year later I found that Citizens has been executing ACH transactions to these savings accounts without my permission for the entire time. At this time I decided to call them to clear up the issue. Throughout a total of 4 calls to customer service, Citizens continued their deceptive practices, making various claims : I. Refusal to close the accounts with ( my ) funds still in them II. Refusal to close the accounts " today '' ( call back tomorrow ) III. On the 5th and final call, I threatened to submit a CFPB complaint. They put me on hold, I heard the call center manager say " Just hang up on him '', then they hung up on me and again did not close the savings accounts. 

At this point in time, I believe they will absolutely not comply with account closure unless they are forced to do so by a banking regulator.
Consumer complaint received 2022-07-06
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 an account without my written instructions.
Consumer complaint received 2022-07-06
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  the following account numbers indicated below have violated my rights to privacy, according to 15 USC 1681 Section 602A.

Furthermore, according to 15 USC 1681 Section 604A, Section 2. A consumer reporting agency can not furnish an account without any written instruction. 

Account # Original Creditor Original XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: U.S. BANCORP (TX)

I checked my credit report and Elan Financial has placed unauthorized inquires on my credit report on XX/XX/2022, XX/XX/2022, and XX/XX/2022 on my XXXX and XXXX credit report.
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Collections U.S.A., L.L.C. (WV)

DEBT IS STILL SHOWING AS AN ACTIVE COLLECTION ACCOUNT - SUBMITTED DISPUTE W/ CREDIT REPORT. CONTACT THE DEBT COLLECTOR WHO STATED THEY COULD NOT DO ANYTHING ELSE. - EVEN THOUGH VERIFIED DEBT IS PAID IN FULL. MONTHS AGO.
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (FL)

I went to the bank on XX/XX/19 to deposit my IRS check because I knew I had an overdraft. When I went to the teller and handed her my check to deposit she takes it and them after depositing the check she informs me that my account was closed. Then the banks tells me I have to wait for a letter with instructions on how I could get the money deposit. I receive two letters with different information but none instructing me what I need to do to get the funds. I today I call stress my personal issue to them I felt like they didn't care and they are telling me that my account is in the process of getting closed but then again the teller on the XX/XX/XXXX said my account was closed. In top of all the misleading information I still have to wait the two processing days to be closed and an additional 7-10 days to get my funds. And still no one is helping but I am the one the affect person here counting on those funds to be able to resolve my personal issues. I don't understand why can you just charged the amount owned and give me the funds belonging to me.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX  data breach, and it may have got into the wrong hands.
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am writing this letter because my attorney law group ( XXXX XXXX XXXX ) just informed me tha SPS just put my house in foreclosure when I requested a mortgage modification package on XX/XX/2019. Also, I hired an attorney who requested modification in XX/XX/2019. SPS is committing mortgage fraud and I plan to sue this company for millions.
Consumer complaint received 2022-09-26
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. (SC)

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 following items listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX Balance : {$680.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian first off lied about getting in touch with the third party entity the company said it was XXXX XXXX I disputed the public records with them they allege they contacted XXXX XXXX and the did verification come to fing out because Experian told me verbally who it was but I called and the company stated Experian never reach out to them in months and that they will do XXXX investigation with experian because they can not XXXX on the past each time a person dispute something XXXX XXXX particular date tgat makes a difference not past Experian never contacted XXXX XXXX at all in the more recent disputes I have done
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (WI)

The debt collector is looking for someone who is not me. Ive stated this twice on two separate calls, and to date have called me 14 times. One call the individual was bullying me to provide information. I do not know who the creditor is because they will not provide that information to me.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I went to XXXX XXXX XXXX and purchased a XXXX XXXX XXXX XXXX. I paid a {$11000.00} down payment. After signing contract and closing the deal, weeks later the dealership states the finance fell through. I was not informed of the dealer running my credit after deal was complete. The dealer would tell me that they were working on a new deal with the finance company that would lower my payments. I informed the dealership not to run my credit no longer and Im requesting them to fix it. Before going to the dealership my credit score was XXXX, after the deal, my credit dropped to XXXX. The dealer had run my credit and lowered my credit score to XXXX. I only found out about them running my credit was by getting credit alerts. even after demanding they stop running my credit, they continued to submit my info to banks, lowering my score even more. I have attempted to speak with them in reference to this and no results. I had to pay for damage caused to the tires on the vehicle due to an employee at the dealership over and under inflating the tires. I was informed the vehicle had proper maintenance done it. That was not done, the oil light came on the next day, which I had to pay for myself. The only solution the dealship has is to allow them to keep running my credit to close the deal. They are concered about closing the deal, but I am more concerned with how they tore my credit down without my authorization.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I was advised by my loan servicing company, Ocwen, that my homeowner 's insurance had expired. This is inaccurate, and they decided to " sign me up '' for their in-house insurance. They have now added an additional $ 120 monthly fee to my mortgage. I have tried to call, fax, email them several times. I have been unable to reach them to clear up this issue.
Consumer complaint received 2022-09-26
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I made a final lump sum payment of {$11000.00} to edfinancial on XX/XX/2022 to end my outstanding loans on file with them. Shortly later in the month XXXX XXXX announces the loan forgiveness program which I would like to take advantage of, however I would like a refund of the payments I just made. I was told it would take 150 days from XX/XX/XXXX in order to receive the money back which is absolutely absurd and not fair treatment I would like to have the refund in a respectable amount of time not in 150 days. On top of that I have been hearing conflicting reports from multiple employees they need more staffing to handle the influx of requests. 

EdFinancial is giving ranges of 150 business days to a year while other service providers are processing within 4-6 weeks and sometimes within 2 weeks. No confirmation of request for X amount. You need the balance reinstated and refund ASAP for forgiveness eligibility. fined for misleading consumers and their latest data breach too
Consumer complaint received 2019-08-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Not enough information to verify debt : In XXXX XXXX and XXXX of 2019 I requested an investigation and verification according to the FCRA SECTION 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and not an electronic or e-oscar verifcation but have been repeatedly answered with verified as accurate without being provided with the documentation that was requested.Continuing to be in violation of FCRA section 611-non compliance and continuing to cause damage to my report.
Consumer complaint received 2019-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (WA)

I moved from XXXX to XXXX  State and changed my address with GM credit. My bills have been returned to the sender and one call was made to me to pay before the bill became past due. The problem continued to this day and I still have not received bills. GM credit reported me to the three credit agencies and told me I should have known the date. All payments were made by phone the day the call were received.. I've written them to have this taken off and they just send me verification of the loan without removing the late payments from the credit report.
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX account number 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-03-22
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. (FL)

I am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.
Consumer complaint received 2023-12-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NV)

This is a student loan that was issued my XXXX. This is a 3rd party collecting a debt that has no authorization to collect the debt. Student loans is a violation of the Family Education rights and Privacy Act ( FERPA ). Please update this account to paid as agreed.
Consumer complaint received 2021-06-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Hello, simply put we submitted thru our current home loan provider ( Citizens One Home Loans ) for a refinance. Submission and pre-approval was on XX/XX/2020. Submitted all requested documentation three times over the past six months. Loan officers have changed twice, no notice received from Citizens. Current loan officer and processor have never ever, not once reached out to us to keep us in the loop. We have always had to either email/call to get updates on the refinance. They have made excuses every time we have contacted them why the loan is taking so long, asking for more documentation ( which we previously submitted ). Due to this extremely well over due process we have lost out on many areas why were refinancing, case in point lumber cost has tripled etc, contractor fees have doubled. To date we have not heard a peep in the past two and half weeks on what and when we can finish the refinance process.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX has five accounts in my name the first one was opened in XX/XX/XXXX the second one was XX/XX/XXXX the third one was XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX my phone has been hacked 6 times I has to replace my phone twice one amount for XXXX XXXX was XXXX and the other one is XXXX the other on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX and XXXX
Consumer complaint received 2019-08-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded to repeatedly with verified as accurate without providing the requested documentation.I have specifically asked for an investigation and not an electronic or XXXX  verification and their method of verification but they continue to ignore my requests.