davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TN)

End of XX/XX/XXXX, I spoke with a gentleman representative at Credit Collection Service ( XXXX ) regarding a collection with XXXX in the amount of {$220.00} to work out a settlement to get this collection paid and removed from my credit report. I believe the date we had set up that payment for was XX/XX/XXXX. I specifically asked the gentleman if he would send me a letter stating the settlement amount that we agreed upon and stating that is would be removed from my credit report. He stated he would have this letter sent out to me. I asked again to confirm this collection would be removed from my credit report once paid, and he responded with yes and it would have in the remarks as paid in full. With this information I was provided, I ended up having the money sooner than expected and mad a call back around XX/XX/XXXX to make the payment for {$170.00}. I was told that it can take up to 8 days to reflect that it was paid in full. I have filed 3 disputes with XXXX to have this removed from my report as it now shows closed with a {$0.00} balance. XXXX has responded each time that the information is accurate. I have since then, called Credit Collection Service regarding this matter. I was told by the 3rd representative that the they do not request that the information be removed once paid. I explained the situation to her and she said that she would send it to her supervisor to review the calls and to call back the following day. I wait 2 days before I call back, and was told that she would send it to her supervisor for review as the first time and to call back after XXXX that day. I waited until the next day to give them time to review, and I was told basically there was nothing they could do. I was then transferred to a supervisor who said that I ( me ) misunderstood the information I was provided on the first call. She said this after I explained that I specifically asked the representative if this would be removed from my credit report once I paid it, and he responded with yes, and it will be remarked as paid in full. Clearly confirming my question. She said that I misunderstood what he said. she then proceeded to tell me that she was not going to argue this with me. I am finding it hard to believe that I misunderstood any of the information I specifically asked for clarity prior to taking care of my debt. The information provided by the representative was misleading and deceptive as the only reason I agreed to a settlement was that it would be removed from my credit report.
Consumer complaint received 2024-02-28
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. (CA)

Iam a victim of identity theft and fraud. My information was stolen and used to apply for credit. As a result a fraudulent credit card and inquiries appear on my credit report. The account is XXXX XXXX XXXXXXXX ( XXXX ) in the amount of {$10000.00}. There are fraudulent credit inquires which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I sent XXXX payment from my bank ( Citizens Bank NA ) on XX/XX/XXXX. Amount is : {$1900.00} See confirmations as attached. I had the funds in the account but the recipient did not get it, it was pending, but failed. Why not? Why the issue? There should be no issues on my end!! Please investigate and report back, date by date, step by step, why this failed. I lost {$50000.00} worth of business because of that. Thank you. I called Citizens Bank on Tuesday XX/XX/XXXX, and case No. XXXX ( with Citizen 's Bank ). XXXX is giving issues and problems now? 

Funds should go to the recipient that I sent to on XX/XX/XXXX. Follow up with me by call and by USPS Mail, too.
Consumer complaint received 2021-10-22
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (AR)

I have submitted a complaint previuosly on LexisNexis and they responded to CFPB that they would remove an Death Declaration on my file and that they would issue a letter to me stating that they had removed the mark on my file? They said vaguely in the, enclosed letter, that they would remove the negative mark in my file and that I could request my file along with the reporting parties that filed a death notice on me.. 
This was 2 weeks ago and no response from LexisNexis!! 
I want my file and the parties responsible for reporting me as deceased immediately!
Consumer complaint received 2019-03-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CA)

On Friday, XX/XX/XXXX, I used Remitly 's website to send {$300.00} to a XXXX bank account. I selected the service/option that will make the funds available within minutes ( they call it " Express '' ).  Right after submitting the transaction, I received an email informing me that the funds will be available on XX/XX/XXXX, XXXX XXXX. That's 3 days from time of sending. I called them immediately but for some reason, I wasn't able to speak to a rep. The next day, I called again, and here, I was able to speak to one, and got a vague explanation about partner banks not doing business on weekends. I honestly didn't understand the explanation, nor accepted it. I said okay, I can't do anything about it. They said they'll give me {$10.00} credit for my troubles, with an additional promise that the funds will arrive on the date and time promised ( XX/XX/XXXX, XXXX XXXX ), even earlier. It didn't. So I called them again right after I confirmed that the funds weren't delivered yet. They actually brought a rep from their partner bank in the XXXX The explanation was that this partner bank acted as intermediary to the destination bank, and that the transaction was still on process with the destination bank. I told them to cancel it, then and there, and I'm going with XXXX. This was around XXXX XXXX. I immediately sent the money through XXXX, and as it always has, the funds were there within a minute or so. Around XXXX XXXX, I received an email saying the Remitly transaction has been completed. 

This service does not deliver on their promise. Very frustrating. There are at least 2 promises here : 1. Within minutes - failed 2. The 3 days after date - still failed 3. Request to cancel since the transaction was not complete yet - ignored, they mention somewhere that this is possible as long as the transaction isn't complete yet
Consumer complaint received 2022-06-15
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. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX WISCONSIN, XXXX xxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c ( f ) 1681B ( C ) 15 USC 1681c-1 : Identity theft prevention ; fraud alerts and XXXX XXXX alerts
Consumer complaint received 2019-03-26
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: Santander Consumer USA Holdings Inc. (FL)

Received credit report and had some inquires on my account, I tried contacting the credit bureaus to resolve they explained that I contact the company which I did send them letters explaining I did not give authorization to access my my information.
Consumer complaint received 2024-02-29
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. (NC)

When I signed the Privacy Act form, the student loans on my credit report are in violation of the educational Privacy Act. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The student loans should not be reported on my credit reports by XXXX, XXXX, or Transunion. They should be removed asap as this has hindered me from getting countless approvals for credit cards. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 2020-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/XXXX WE STARTED A CRUISE AT XXXX XXXX, XXXX XXXX. WE CALLED XXXX 3 TIMES FROM XXXX XXXX BEFORE BOARDING. XXXX STATED THAT IF WE DIDNT BOARD THE CRUISE ALL THE MONEY WAS GOING TO BE LOST. 

XX/XX/XXXX XXXX ANNOUNCE WE WERE NOT GOING TO ANY MORE PORTS. WE CIRCLED XXXX XXXX FOR 2 DAYS. 

XX/XX/XXXX XXXX DECIDED TO ALLOW US TO USE THEIR AIRPORT. WE HAD ONE PLANE AS AN OPTION. THE PEOPLE THAT BOUGHT THE CRUISE UNTIL XXXX XXXX WERE PROMISED THAT XXXX WILL TAKE THEM TO XXXX XXXX. 

XX/XX/XXXX, I LEFT TO XXXX AIRPORT. MY FRIENDS XXXX AND XXXX XXXX STAYED BECAUSE THEY BOUGHT THE CRUISE UNTIL XXXX XXXX. 

XX/XX/XXXX WHILE I WAS FLYING THEY CALLED ME FRANTICALLY THAT THE CAPTAIN ANNOUNCED THEY WERE NOT GOING TO XXXX XXXX AND THAT THEY WERE FORCED TO DISEMABRK AT XXXX, HAWAII. I BOUGHT THEM 2 TICKETS FROM XXXX TO XXXX.THEN FROM XXXX TO USA.IT WAS DIFIICULT BECAUSE THE SHIP HAD NO INTERNET. VERY STRESSFUL AND DIFFICULT TO COMMUNICATE WITH THEM. 

XX/XX/XXXX XXXX CRUISE ARRIVED AT XXXX BUT THE USA GOVERMENT REFUSED THE PASSENGERS TO DISEMBARK. NEWSPAPER ARTICLE ATTACHED. THEY PACKED ALL THEIR LUGGAGE BUT WERE NOT ALLOWED TO DISEMBARK. 

XX/XX/XXXX THEY WERE TOLD THAT XXXX WAS GOING TO ACCEPT THEM BUT XXXX REFUSED THEM AS WELL WITHOUT INTERNET AND ADVANCED NOTICE HOW CAN YOU PREDICT THAT THEY WERE NEVER GOING TO BE ABLE TO FLY FROM XXXX? THEYRE XXXX YEARS ( XX/XX/XXXX ) OLD AND XXXX YEARS ( XXXX XXXX ) OLD RESPECTIVELY. AFTER ALL THE ORDEAL THEY FLEW BACK TO XXXX AS AN EMERGENCY DUE TO HEALTH REASONS. THE DOCTOR FOUND XXXX IN HIS XXXX. HE CANT TRAVEL ANYTIME SOON. THEY NEED THE {$74.00} EACH ONE PAID IN MY CAPITAL ONE CREDIT CARD ENDING XXXX. ITS OUTRAGEOUS I HAVE BEEN TELLING THE STORY FOR 2 MONTHS. XXXX AND XXXX WHICH USE VISA AS WELL SETTLE ALL MY TRAVEL DISPUTES. CAPITAL ONE ITS THE ONLY COMPANY GIVING ME SO MUCH AGGRAVATION. CAPITAL ONE WANT PROOF OF CANCELLATION FROM AN IMPOSSIBLE SITUATION. 

SINCERELY, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (MI)

Account XXXX XXXX Santander Consumer loan I bought my vehicle in XXXX of XXXX, After repossession of my vehicle 2 yrs. later there was a 33 state Predatory lending class action settlement against Santander Consumer USA where Santander agreed to relive all defaulted loans to help repair credit of those individuals. So, after several attempts to get the account removed from my credit profile it remains on my credit report. Santander settle the case early XXXX according to the agreement, my debt is to be forgiven and the account status because of what the agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint
Consumer complaint received 2022-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

The Department of Education process for Public Service Loan Forgiveness has been obtuse and frustrating. I have more than XXXX years of payments but XXXX months were paid to the XXXX XXXX XXXX XXXX. I have the email receipts of these payments as well as the records from my loan servicer, but these payments have not been counted under the PSLF waiver by XXXX XXXX, my current servicer. 

I filed my employment certification form in XX/XX/XXXX, followed by subsequent forms in XXXX, XXXX and XXXX of XXXX. My payment counts still do not reflect my full history.
Consumer complaint received 2022-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (MO)

I paid XXXX to my physician prior to XXXX for my deductible and co insurance. They took the money and applied it to something else. I have tried for a year to talk to the doctors office and billing to get it resolved with no luck.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Please remove these accounts from my report
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (IN)

I have a hard inquiry on my credit report due to a lending company running my credit for a mortgage. That was not me. I have not been looking for credit, a house etc. Someone has used my information and it has gone on my credit report.
Consumer complaint received 2022-06-15
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. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX  XXXX 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 xxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX BANK 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 an account without my written instructions 15 U.S.C 1681c ( f ) 1681B ( C ) 15 USC 1681c-1 : Identity theft prevention ; fraud alerts and XXXX XXXX alerts
Consumer complaint received 2022-06-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I was checking my credit monitoring and realized there's a unauthorized inquiry reporting on my credit report I contacted all 3 Bureau today XX/XX/2022. To let them know that I do not have an account with these two companies and I never applied for any loans for mortgages. I let them know that these inquiries are effecting my consumer credit score. I will faxing a copy of this complaint because, that's what they asked for in order to have the items deleted. 


XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2020-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I was emailed that Chase Bank was closing my checking and savings account. I called them immediately to find out what was going on and they refused to tell me why and said that I won't be getting my money back. All of this in the height of a pandemic! I owe no money to the IRS, my credit score is XXXX, and have no defaulted or outstanding debt. I spoke with several different managers in person and on the phone and each one refused to give me a reason as to why they closed my accounts.
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

This company continues to try and collect a debt that they allege is mine without verifying and giving me the proper information that I am asking to verify that it is mine. I am requesting a invoice or some contract with my signature on it saying that I agreed to contract with their company. The continue to send me these statements which Is not showing me that I owe a debt or signed up to pay them. I have sent them 2 letters and they responded with a pack of statements. My second letter I have sent stating to either send me the correct verification information or remove it from my credit report.
Consumer complaint received 2019-11-18
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: EQUIFAX, INC. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


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 DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX XXXX   : XXXX NO VALID CREDITOR : XXXX NO VALID CREDITOR : XXXX INQUIRES : XXXX XXXX  : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX   XXXX/XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX-XXXX XXXX  : XX/XX/XXXX XXXX:XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX , XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXX/XX/XXXX: XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX& : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX: XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX XXXX XX/XX/XXXX : XX/XX/XXXX
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

Opened an account with Chase bank XX/XX/XXXX Everything was fine got approved got my temp card, ordered checks made deposit on both checking and saving account. 
2 weeks later Notice i wasnt able to use my card to purchase anything after I activated my card Call XX/XX/18 they stated that they closed my account without noticed - they refused to tell me why no explication or no rsolution to fix the issues ... I feel I have the right to know my history or atleast why they denied keeping my account open with chase.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (MI)

Allied Interstate, ( XXXX ) XXXX, has called at least 10 times ( almost every weekday ) since XX/XX/2020, sometimes in the morning between XXXX & XXXX XXXX and sometimes in the evening between XXXX & XXXX XXXX The phone rings only once and they never leave a message.