davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I have been a customer of Citizens Bank, ( branch office in XXXX, Ct, ) for several years. Since inception, I have had ongoing issues concerning late fees with all three of my accounts ( account numbers listed below ). I make payments electronically via XXXX  XXXX XXXX and arrange for payments to be made on the scheduled due date. The checks are delivered per XXXX XXXX XXXX but invariably are not posted to the respective accounts for up to 5 to 7 days later. After many conversations and requests to have fees waived which have been honored I was refused a request today when I have called to inquire once again as to why charges were assessed. It appears that the back office processing of payments consistently is late resulting in fees being charged. I have spent numerous hours and patience on calls etc. Since this not an issue with any other accounts that I pay through XXXX XXXX I have concluded that this issue is one which is done with the intent to defraud the customer. I would be curious to see how much revenue is generated via late fee assessments and how many fees are assessed to the customer base. I have today made payments to close two credit card accounts and will arrange to close my Equity Line as soon as possible. 
Thanks for your assaistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX Account # XXXX ( XXXX XXXX XXXX ) Account XXXX ( equity line ) Account # XXXX ( XXXX XXXX )
Consumer complaint received 2022-01-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX a charge appeared on my credit card for {$1000.00} from the XXXX XXXX. I saw this and knew it to be a fraudulent transaction so I reported it as such. A temporary credit was issued for my card, however, on XX/XX/XXXX they denied the claim and charged my card a fee for {$1000.00}. 

I filed a CFPB complaint and the issue was escalated. On XX/XX/XXXX, they once again denied my request. In this document, they got the dates wrong and and simply said no fraud occurred because this charge was in line with my previous charges with the merchant. I have never bought anything from the XXXX XXXX, so this is ridiculous. 

The resolution specialist from Bank of America I dealt with has stopped responding to my calls and emails. The only people I have been able to get in contact with is their fraud department. They have been absolutely no help and told me to talk to XXXX. I attempted to contact XXXX, but they will not give me any information regarding this ( fraudulent ) purchase. 

If I can't get this resolved via the CFPB, then I think my only option left is small claims court.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX account XXXX This company wrecked and destroyed our lives to pay off an organized crime scheme involving XXXX XXXX  and fraud at the US/MEX border in XXXX. 

They have ruined our finances. They have stolen what we worked for. They have treated XXXX XXXX  as a joke.
Consumer complaint received 2018-02-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2017 my wife and I identified six withdrawals from our Bank of America joint savings account totally over {$21000.00}. One of these withdrawals was listed as payment for an installment loan ( {$8000.00} ) and five of the withdrawals were apparently payments applied to a credit card at XXXX XXXX. Neither my wife nor I authorized these withdrawals. This account is not an account we use frequently -- we most often make deposits and occasionally make transfers to our checking account. The account number would be known to few individuals other than myself, my wife and personnel at Bank of America. We did not lose our bank debit cards, so the only possible access to the account was through electronic access, which would have required an ID and password. 

We immediately contacted the bank, which was unaware that the account had been accessed by an unauthorized individual. We closed the account and the bank " opened '' a new account into which to transfer the remaining funds in the compromised account. Subsequently, but not immediately, the $ 21,000+ was returned but placed in the wrong account, one that belongs to my wife and daughter rather than the new joint account. Subsequently we moved the funds to the correct account. The new account was set to have federal withholding tax withheld without our authorization. Information in the old account was no longer accessible to us. 

I have repeatedly asked for an explanation of how our account was accessed and by whom. I have also asked what steps the bank intends to take to assure that such unauthorized access will not occur again. To date, I have received no explanation regarding the unauthorized access nor any statement about how such access will be prevented in the future. Indeed, Bank of America has offered no information and insists the problem is at XXXX XXXX which received the transfer of the unauthorized funds. 

I appears to me that there was a data breach involving my account that Bank of America is covering up. My wife and I have been greatly inconvenienced and are very concerned about the safety of our accounts.
Consumer complaint received 2021-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (LA)

XXXX filed bankruptcy which has made my degree not valid. I have been denied jobs because of this. I have filed a compliant with the Department of Education Borrows XXXX but the case is still pending. I am trying to get assistance with having these loans forgiven based on Case No. XXXX XXXX XXXX. XXXX. ). These loans are also reflecting on my credit report which has a negative impact on my score. Please let me know what can be done about this matter. 

Regards,
Consumer complaint received 2022-01-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (NY)

To whom this may concern. I sent a letter out to the Grant & Weber debt collection agency on XXXX XX/XX/2021 requesting a complete audit trail, explanation of the alleged debt that is showing on my credit report, my signature showing I gave Grant & Weber authorization to report any information on my credit report, and a signature showing that I gave them permission to have my personal information in their possession. This company failed to respond to me. I also requested an agreement that grants them the authority to collect the alleged debt from me, a copy of their state license, and the license number that gave them rights to collect in my state ( New York State ), the purchase agreement, and other things that will be listed in the attached letter I sent them. I informed them if they lacked proof that I gave them permission to use my social security number, they are committing identity theft and I will report them. At this point in time they have ignored my request, and I have not received any correspondence from them as of yet. I am requesting you contact this entity so that they will provide the documents that I requested and deleted this information from my credit report.
Consumer complaint received 2019-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX I C SYSTEM INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I C SYSTEM INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt..
Consumer complaint received 2021-03-28
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)

On XX/XX/2017, Transunion added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Transunion has violated my right as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2023-01-18
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. (MI)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 XXXXXX/XX/2022 DEPT OF ED XX/XX/2022
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

While checking my credit report I noticed a collection for an unverified debt that I do not owe. This false unverified debt on my credit report has caused stress trying to figure it out and possible loss of income due to my potential employment endeavors. My household has been with XXXX XXXX for 12 years and I have no need for XXXX XXXX at all.
Consumer complaint received 2021-11-09
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: Ballybunion Enterprises, Inc (HI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : MILITARY CREDIT SERV XXXX Balance {$0.00}
Consumer complaint received 2018-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I have been a XXXX  as a XXXX XXXX XXXX. I have been a XXXX since 2001. My loans should be forgiven. Navient will not give me the information that I need to have my loan forgiven. That do not have any information.
Consumer complaint received 2019-03-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

It was brought to my attention that I received XXXX XXXX at XXXX XXXX Hospital on XXXX through a third party called XXXX XXXX XXXX whom sent my account to collections to a company called XXXX XXXX XXXX. I was just advised by the hospital that the XXXX XXXX   brought my balance to a zero balance for all services rendered during my stay at that time. As a result the account on my credit report under account number XXXX was charged off and has a XXXX balance instead of a balance of {$1800.00}.
Consumer complaint received 2018-02-08
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. (TX)

On XX/XX/2017 I sent a certified letter to Experian and Equifax asking for the information used to Validate the following debuts : XXXX XXXX XXXX. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC XXXX letter ).
Consumer complaint received 2020-06-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (SC)

On XX/XX/XXXX I contacted Citibank via chat to determine how to close my High Yield Savings account ( {$250000.00} ). I was told I could close it via the chat then but told them I would do it via phone conversation. Tried closing the account on XXXX XXXX and was told my account was blocked due to fraudulent activity that I was not informed of. Was told I needed to send proof of residence to Citibank. 
Bankbymail XXXX XXXX XXXX XXXX XXXX tx XXXX I send on XXXX XXXX next day delivery. Called back again on XXXX XXXX and was told the account was under review. Called back on XXXX XXXX and they are giving me runaround like many others Ive seen online. Have waited hours at a time on hold. Its one delay after another. They verify me on the call why does it take a proof of residence to a PO Box to unlock my account.
Consumer complaint received 2018-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (TX)

Hello, I am writing this complain because Avant denied my application for a loan with them for the simple reason that they " couldn't verify my identity ''. This is the explanation they give me with no explanation on why they didn't request more documentation showing my identity. I feel they discriminated against me because of my name, ( XXXX ). I contact them several times to explain how come they didn't ask for more information but their customer support wasn't helpful at all. They only gave me two options, either wait for another 30 days to see what their resolution department will respond or re-apply for the loan. This is not acceptable. My resolution is for speak with real person about this situation. Their process and customer support is the worst I have experience in my life time.
Consumer complaint received 2021-11-09
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: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to COMENITYBANK/VICTORIA, but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you.
Consumer complaint received 2018-02-09
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: Experian Information Solutions Inc. (SC)

I submitted a complaint through CFPB recently about EXPERIAN credit bureau reporting a collection on my file. A collection with ( XXXX ) XXXX XXXX XXXX XXXX XXXX is reporting a {$63.00} collection on my file. Like I've stated before I have no idea or clue where this bill has came from. It's says the original debtor is XXXX XXXX on a one month term agreement opened on XX/XX/XXXX. Experian responded back saying I was sent paper work out on XX/XX/XXXX. That's a credit report!!! yes, I got a credit report, but nothing EVER came from either one of the companies, concerning a delinquent account! I HAVE NO IDEA WHAT ACCOUNT THIS IS! Then Experian have the nerve the say they contacted the data furnisher and had them verify the account, well how come I'm the consumer, it's on my report, and I'm freaking clueless of how they verified the account, and what this account pertains to. It's more than just saying oh well we contacted the furnisher and they verified the account, well provide the consumer the paperwork, and signatures..I 'm not just gon na take your word, for all I know a investigation may have not been conducted at all. I need to see something because I've googled the original debtor and from what I see I don't have no association with nothing they deal with.
Consumer complaint received 2018-02-08
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (GA)

XXXX University employed National Credit Management a debt collector to obtain monies owed for me pulling out of class early. Being that I submitted in a timely manner pulling out of the class and requested that the school do not send me funds because of the course that I requested early departure. The school sent the money that was associated to my federal student loan ; unfortunately, I was not notified in a timely manner of the monies owed and the school sent the account into collections immediately without giving me chance to pay the account balance. The collection company ( National Credit Management immediately put the account in collections on my credit reports. Also, according to my Stafford loan disclosure, I am required to pay the same monies that was in collection back on my loan. This would make two payments. The school failed to tell me the accurate cost of the course which was extremely to high is the reason why I left the program and the school.