davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I recently received a personal line of credit statement dated XX/XX/XXXX from Citizens Bank of XXXX, RI requesting a payment of {$100.00} on a past due amount of {$100.00}, which I believe are fees. This line of credit was opened in XX/XX/XXXX, which I barely used if at all, and I personally closed this line of credit in their XXXX XXXX, MA branch at least five years and closer to ten years ago. At the time of closing the account, I remember the employee instructing me that I was all set and that he had closed the account. I do not recall him having me sign anything, it appeared everything was handled on the computer by the employee. I have not received any fees or correspondence from Citizens Bank regarding this LOC in many years. 

On XX/XX/XXXX, I went to the XXXX XXXX, MA Citizens Bank branch to discuss these fees. They were of no assistance whatsoever and the issue did not result in any resolution. They informed me that the account was never closed and that I needed to write a letter to XXXX XXXX XXXX in XXXX, RI requesting to waive the fees and to formally close the account. They also set up a case issue number and spoke with someone over the phone about the account. Also, one of the employees stated that Citizens doesn't even offer these personal lines of credit anymore. Since there was no activity on the account for many years, I believe Citizens assessed these fees to get my attention so I would close the account. 

On XX/XX/XXXX, I wrote a letter as instructed requesting that Citizens waive all fees and to close the account. The consumer loan servicing center has not responded to my letter. I have received two phone calls from a man named XXXX, who claims to be from Citizens. I believe he is just responding the case number set up by the branch and knows nothing about the situation. The first time he called, I called him back and he would not speak with me unless I gave him my full Social Security number which was on a recorded line. In this era of rampant identity theft, I thought that was totally inappropriate and I refused to speak with him. As of this writing, I am waiting for someone in consumer loans to contact me and grant my request. This is all totally unnecessary, since I closed this LOC many years ago.
Consumer complaint received 2022-07-27
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 sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX CT XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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. (NY)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
Consumer complaint received 2018-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (TX)

On XXXX XXXX, I initiated a transfer {$400.00} from my checking account to another person, using XXXX provided by XXXX  app. But just after I submitted that transaction, I realized that that's a fraud transaction and I want to cancel it. Then I called the XXXX bank and XXXX immediately. However, the costumer representatives told me that the transaction has been completed and they can not do anything.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (SC)

I have had an account with Robinhood for approximately XXXX years. I have bought XXXX online with this company, and have approximately {$1000.00} in my account with about XXXX different XXXX. I have not cashed in any XXXX since the XXXX XXXX went down. At the first of XX/XX/2024, I was able to get into my account to get my tax information. Sometime since then, Robinhood has locked me out of my account and will not allow me access. No matter what. They keep sending me emails, which still do not allow me to access my account. I have sent them numerous messages via email. Their customer service number just drops the call. There is no way to talk to them in real time. When I log in they want my banking login and password and/or my ID. I feel that fraud will be done on me, or my identity compromised if I do this, as I have never had to do this before. I reported this to the XXXX XXXX XXXX -- -useless, as Robinhood gives the same CANNED response to everyone, and nothing is done. Look on complaints about Robinhood from the XXXX Recent complaints where many are being locked out of their accounts for no reason. I received a message today about my " trades '' -- I have not done any " trades '' as I am locked out of my account. This makes me afraid that they are now in the process of stealing my money! All I want now is to get a refund of any money that I have in Robinhood, and get away from them as soon as possible. Apparently they have turned " rogue '' and are stealing clients money. Please help me!
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$24000.00}
Consumer complaint received 2018-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (PA)

For two months, repeated attempt to collect a debt that is not mine or does not exist. Said they have my address to a house I have not lived at for at least 10 years. Have asked them to remove the number but the calls come in again. The following are all the numbers that have called me from this company ( that I know of ) : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Said the company name is Radius Global Solutions, formerly XXXX  XXXX XXXX
Consumer complaint received 2022-02-16
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)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Im having an issue w/Transunion! I reported identity theft w/FTC rpt # XXXXafter being notified of idtheft by credit monitoring 4-5days ago- i was told to place a creditLOCK ( after a Freeze did NOT work ) w/the big 3-I placed LOCK w/ XXXX.XXXX XX/XX/19.Transunion will NOT allow MY FILE to be locked cause theyre are Multiple Files on me? 
I asked to merge em so I can place aLOCKwhich is critical -but they now claim transunion does NOT have a credit lock-now I find last night, someone canceled the mbrshp I paid for yesterday! HELP I NEED MY XXXX CREDIT RPT LOCKED IMMEDIATELY TO SLOW THE IDENTITY THEFT OF ME!!! 
Thank you XXXX XXXX XXXX
Consumer complaint received 2019-09-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian has completely refused to delete a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX collections from my credit report. I also have unauthorized hard inquires that they will not delete. XXXX XXXX XXXX XXXX does not have a surety bond to be collecting in the state of Texas.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ORG GC GP BUYER, LLC (OK)

Account is being reported as late and delinquent when I am prepaid for years. I’ve been making big payments to get these paid off, and currently show no balance due. However, my most recent credit report shows me as 90 days delinquent on these accounts.
Consumer complaint received 2023-03-31
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. (NY)

In Accordance with the FCRA, XXXX XXXX Account # XXXX and XXXX XXXX  Account # XXXXhave violated my rights.

Law 15 USC 1681 section 602 A. States I have the right to privacy.

Law USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written consent, which I have not given.

Law 15 USC 166b. Staes a creditor may not treat a payment on a credit card aaccount under an open en consumer credit card plan as late for any reason.

Law USC 6802 Obligations with respect to disclosures of personal information.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NH)

Bluebird permanently suspended account without notice and has not refunded me the balance left in the account. They refuse to tell me why they closed it. The only recourse they gave is for me to write a letter to their customer relations division.
Consumer complaint received 2018-08-15
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: ENOVA INTERNATIONAL, INC. (OH)

Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (TX)

On XX/XX/2021 received 5 different debit cards for different checking accounts that were opened in my name thru Charles Schwab Bank. I have contacted them, they stated they would close the accounts and report the fraud.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc (FL)

I keep getting email from Venmo stating i have made charges. I do not have a Venmo account. I have tried to contact Venmo to find answers to problem. They say I must sign in to get info. I cant sign in because i don't have an account. when i say i forgot my password i am asked personal information about my bank account. i marked mail as spam but keep getting. today I another email with a link to XXXX account. No one here by the name XXXX. Tried again to contact them but they once again want banking information. I tried again to make it spam. even filled out forms with XXXX but not working. I think this company is fishing for people trying to do the right thing. I have frozen my credit already because of XXXX XXXX hack. dont know what else to do.
Consumer complaint received 2019-09-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

DEAR CFPB : LAST WEEK REGIONS MAKE THE OFFER REISTAMENT TO AVOID FORECLOSURE WE SEND WIRE PAYMENTS BUT THEY REFUSE PAYMENTS TODAY I HAVE TO CANCEL MY WORK TRIP IN XXXX XXXX BECAUSE THIS PROBLEM. 

WE HAVE OVER USD XXXX POSITIVE ESCROW AND REGIONS FILE FORECLOSURE FOR USD XXXX PRE PAYMENT ESCROW?? 

THIS IS NOT NORMAL - REGIONS NEVER SEND ANY FORECLOSURE NOTIFICATION TO US WHY?? 

NOW WE SEND THE FULL PAYMENT AND WE DO NOT HAVE ANY RESPOND FOR THE REISTAMENT PAYMENT! 

SEE XXXX XXXX WIRE AND ELECTRONIC PAYMENT CONFIRMATION E CHECK USD XXXX Payment Detail Payment Type XXXX Check Payee Account No. XXXX Name on Account XXXX XXXX XXXX Payment Amount {$4000.00} Send Date XX/XX/2019 Expected Delivery XX/XX/2019 Reference No. XXXX Status Check Mailed Check No. XXXX Trace ID Memo loan XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS LOANS XXXX ... XXXX One-time - send now {$1200.00} XXXX COMPLETED WIRES REFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$2200.00} XXXX COMPLETED View transaction XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$3200.00} XXXX COMPLETED View transaction XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$3000.00} XXXX COMPLETED
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I consumer XXXX XXXX, requested my consumer file from EQUIFAX. EQUIFAX 's representative stated to me EQUIFAX does not send out consumer files, which is a violation of the FCRA.
Consumer complaint received 2021-04-13
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (OK)

XXXX XXXX XXXX  has been reporting incorrect information on my credit report. Currently, my report shows : *I have a $ 0 monthly payment making lenders assume that the account is in forbearance. 
*A 60 day late payment for XX/XX/XXXX payment which was made on XX/XX/XXXX. 

Previous reporting errors include : *The balance on the loan XXXX $ XXXX monthly payment *On time payments being reported as late payments. 

I have contacted the company multiple times over the last 3 months regarding incorrect reporting information. I was told that the issue has been noted on the account and is processing. 

Some of the issues were corrected, such as, the late payments and the loan balance. However, the $ XXXX  monthly payment was never addressed and now an additional 60 day late XXXX XXXX XXXX has been added.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Google Compare Credit Cards Inc. (TX)

I received a bank account statement from chase bank with around 300 transactions from dates XX/XX/XXXX to XX/XX/XXXX. Started with a deposit of XXXX cents then XXXX cents, XXXX, XXXX, ..down to XXXX cents. It was for google payments through XXXX. On XX/XX/XXXX XXXX XXXX, XXXX withdrew XXXX dollars. I dont remember having a chase account and didnt make any transactions with google or XXXX. Then I got a letter from XXXX telling me Ive had my identity stolen.
Consumer complaint received 2018-05-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Equitable Acceptance Corp (PA)

My husband and I have consolidated our student loans thru a company called XXXX XXXX. They use a third party collector that charges us a fee of {$34.00} each on a monthly basis. We have been paying this amount from XX/XX/2016. We have been receiving bills from XXXX XXXX for a higher amount. We have tried contacting XXXX XXXX which there number is disconnected. When I tried contacting them before their number was disconnected no one returned any of our calls. I recently have stopped the automatic payments from my bank account. I spoke with a counselor at XXXX XXXX XXXX   and they stated that this company has been scamming millions of people. They advised me to cancel all payments to them and report them. Now my husband and I have received a threatening letter from a group called XXXX XXXX stating that my account is passed due.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I changed my mortgage company in last XXXX due to change in interest rates. The loan is for 30 years on fixed rate of 2.5 %. I kept asking the company about the amortization statement but was only given after I signed the loan closing documents. When I received the Amortization Statement I realized that the Amerisave Mortgage is charging 84 % of the total interest in first 15 years which is half of the loan repayment period, more then 55 % in first ten years and more then 28 % in first five years. This is not fair with me. The law do not allow any business to charge interest in advance. This way I am losing my savings and profits on savings to the mortgage company. On other hand mortgage company is gaining extra profit by investing my money in their business. Please help me sort out this situation. If the loan is for 30 years then the principal amount should be charged in equal payments of 360 instalment vice versa the interest should be charged on remaining balance of every month. They are keeping the principal payments low to hide the high interest they are charging on every instalment. I have attached the amortization statement I received after the signing of closing document and also the present loan statement. I also worked out how the loan repayment should be and have submitted herewith. The mortgage company will end up charging XXXX dollars extra in interests if they follow their schedule.
Consumer complaint received 2018-05-25
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. (MO)

I have never had a account with this company, now they are reporting in my credit under a bankruptcy. I told the rep I disputed this account requested validation of the inaccurate account on my credit report, then added it to a disputed bankruptcy on my credit report. I was also told they open this accounts online. I told the rep I am a victim of identify theft also had a problem with a security breech, They refused to remove this account from my credit or provide me proof of who opened this account, I also requested a contract with my signature. This is not my account and has been damaging my credit for years. 

The address the rep gave I have never lived at. I am demanding this removed this is a fraudulent account & has not been filed under a bankruptcy. I believe this status was added to keep this inaccurate information on my credit longer after my dispute with this company.