davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

XXXX I am writing regarding a previous complaint. I submitted the complaint ( 9 ) days ago. The # CFPB gave me for it is above. I tried to " CHECK STATUS '' but the page it jumped had no info. The complaint history - on a different page - states : Sent to Company. 

I received a phone msg. from the XXXX office on the XXXX or XXXX, asking me to call them. I have called ( 3 ) times. No other messages were forthcoming and my calls where not returned. I have no idea what the status is and my account and the fee money remains with the bank. 

The complaint is regarding fee and charges that were unfair and excessive. I post dated a check and it was cashed early with a {$6.00} short in the amount to clear it. Since the check was cleared EARLY, I received {$95.00} in fees. The fees are disproportionate to the shortage. The banks are allowed to charge outrageous fees. 

The account is a small business account. I paid out {$600.00}. to employees in cash because I could not use the account. 
Another fee was charged when a campsite establishment made an unauthorized use of a debit cards " on file '' and ( 5 ) days after our stay used the wrong card, caused another fee.
Consumer complaint received 2017-03-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc. (FL)

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-10-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (NE)

I took out a XXXX loan and now the company says the first five payment don, t count on the loan I would be paying 788 % interest which they didn, t tell me it is with big picture loans out of XXXX there address is XXXX XXXX XXXX XXXX in XXXX XXXX XXXX I believe its a real scam I don, t have that kind of money Sinerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (GA)

I started receiving statements from the Department of Education about my student loans. Later I received a notice for another company, that call themselves Nelnet ; stating that I have students loans with them. I had pulled my credit report and they both were on it. The Department of Education show as transferred accounts. Nelnet shows balances that I owe them. Nelnet show as I missed payments. I always call to get a forbearance because I do n't have a job to repay the loans. So, what I 'm asking of you is to help me get the missing payments off my credit files and place them as current. Also get the Department of Education off my files. I was not aware of a transfer until I seen my credit reports. I ca n't afford to pay the loan back. I do n't have a job but I 'm looking.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NC)

I TRIED TO ACCESS THE ANNUAL ONLINE CREDIT REPORT AND THE SECURITY QUESTIONS THEY ASKED DO NOT PERTAIN TO ME AND I DONT RECOGNIZE ANY OF THE QUESTIONS AT ALL.I ALSO TRIED TO GET REPORTS FROM EXPERIAN AND XXXX AND THE SECURITY QUESTIONS ARE ALSO UNRECOGNIZABLE TO ME.HOW CAN I FIX THIS?
Consumer complaint received 2024-02-15
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. (FL)

Subject : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Transunion for Violating Consumer Rights To Whom It XXXX Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX  for blatant violations of my consumer rights. Despite multiple attempts to resolve the matter directly with the bank, I have received no responses or assistance, leaving me no choice but to escalate this issue to the appropriate regulatory authority. 

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am invoking my rights outlined in 15 USC 6802. This statute grants me the authority to opt out of any and all authorizations, whether written, verbal, or non-verbal, that I may have previously granted to the bank. This opt-out is effective immediately, and I expect full compliance from XXXX XXXX XXXX  XXXX 

Furthermore, I urge you to consider the provisions of 15 USC 6802 and 15 USC 6805, which clearly outline the responsibilities of financial institutions regarding consumer privacy and data protection. XXXX XXXX XXXX  's disregard for these crucial statutes has resulted in a breach of trust and a violation of my privacy rights as a consumer. 

Additionally, I want to emphasize that as a consumer, I am entitled to the protection afforded by all laws stated in the Privacy Act of XXXX. This legislation safeguards individuals like myself from unwarranted invasions of privacy and ensures that financial institutions handle personal information responsibly and ethically. 

I expect the CFPB to thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX  for their failure to uphold my consumer rights. Furthermore, I request that you provide me with updates on the progress of this investigation and any steps taken to rectify the situation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX charged off an account in XXXX XXXX. They reported it as charged off again in XXXX XXXX and again in XXXX XXXX. The FICO credit scores treat this as a recent event instead of XXXX that happened 4 years ago. They claim it 's only noting the current status of the account but this is not how it 's considered by virtually all the various credit scores. It 's listed in account history and it 's false. It 's impossible on its face. A charge off occurs once. This is in retaliation of me requesting validation of the debt with Experian. A charge off is a XXXX time event. It does not happen over and over again. All of the charge off notations after the XXXX XXXX need to be removed from my credit report.
Consumer complaint received 2024-02-15
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. (NC)

I've contacted the credit reporting agencies and placed a fraud alert on my profile after my information was stolen in XXXX. I researched my profile and found XXXX accounts ( XXXX & XXXX ) that I have no knowledge of or affiliation with. These accounts are being reported to my profile without my consent. 

I have the right to privacy and have not given any written consent. Furnishing this account is in violation of 15 USC 1681b I have no relationship with these creditors and these accounts are being furnished due to identity theft. Furnishing identity theft accounts that have not been verifiable is in violation of 15 USC 1681 c-2 I requested that my address was updated and fraudulent ones were removed to prevent linking me with fraudulent accounts.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

After requesting and receiveing a report from TransUnion I noticed several errors. On XX/XX/XXXX I sent TransUnion a Certified letter listing all violations and fraudulent reporting on my report. On XX/XX/XXXX I received a revised report with very few corrections made, after pointing out and verifying the correct spelling of my name, the investigated report still is reporting unidentifying names. XXXX XXXX  XXXX # XXXX. transferred my loan to XXXX XXXX XXXX Acct. # XXXX and the report shows both XXXX  and XXXX XXXX is reported over lap dates ; Date Open/Last Payment Made. For this to have been re investigated I still have inaccurate reports and incomplete entries. Dates over lap one another/double reporting. Inaccurate reporting for this to have been INVESTIGATED. I need a written letter stating the companies name that verified this information. These are two of many errors that came back incomplete or inaccurate, in my request for TansUnion to Investigate my report. As per USC 1682, in conducting a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the 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. The response from TansUnion was over 30 days and inaccurate and unjustified reporting was still on my report. Please Help ....
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

I have incorrect information on my credit report being reported by Experian the agency which reported it was XXXX XXXX liens that were supposed to be cleared and XXXX XXXX gave me the copies to send to all XXXX reporting agencies and I sent them to the reporting agencies on XXXX different occasions.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

*** This is not a duplicate ***I have been a victim of Identity Theft and have provided a copy of the Federal Trade Commission Identity Theft report XXXX as well as a XXXX XXXX Police Report XXXX to Experian on XXXX XXXX, 2015. Experian did not remove the account from my credit report. 

On report XXXX, Experian did an allege investigation and responded with an automatic response that they verified that this account belongs to me. This is an identity theft case, what kind of verification could Experian have done? 
I 'm not asking Experian to do another allege investigation. I 'm asking them to remove this account XXXX XXXX XXXX from my credit file.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My car was totaled out and paid off in XXXX. After sending them the check and sending them the payoff balance of the car there were a few issues. It took them XXXX checks and over 40 days to see the payment added to my account. I was told that there was an issue with their mailbox that they received payments and there was a delay. During this time interest was still incurring on the account. After waiting for the payment to be added to the account there was still an outstanding balance which was not supposed to be. XXXX  had charged me extra fees and added other interest to my loan after the payoff amount was sent in. Because there was an outstanding balance that I wasn't aware of, the payments started to be late and they reported " late payments '' to my account for a car I never had and had already paid off. They caused me to miss out on opportunities for reporting this false information on my credit report. These unnecessary charges had to be paid and time and resources were spent on communicating with them to get this issue resolved.
Consumer complaint received 2022-08-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the XXXX you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I am unable to access my experian credit report online. I have a new report number issued XXXX XXXX, 2015 and every time I attempt to view my credit report it gives an error message that they are unable to complete my request due to the number of views associated with that report number. However, the report number is new. I was previously a victim of identity theft and regularly monitor all of my credit reports for suspicious activity.
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (DC)

XXXX did not have a permissible purpose when it made an inquiry of my Experian credit report on the following dates : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Please have Experian explain what permissible purpose that XXXX XXXX had when it accessed my sensitive financial information and to provide any documents to support their reason.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear, Transunion Re : Victim of identity theft To whom it may concern these inquires in my credit file or report are from unauthorized use of my social security number and card. i did not authorize these inquires to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. This letter was not sent in error or a misrepresentation. Your company must follow the proper procedures to make sure this get deleted in the time frame it state. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX Sincerely yours, XXXX XXXX Enclosures : Proof of identity, FTC identity theft report
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120-150 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Apparently someone with a similar name to mine filed bankruptcy in the and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. How is this information verified and where. There was a wrong SSN listed on my report at one time, so it is possible that additional information could in fact be in correct. I had to resend the letter, twice to the credit bureau. Both time they denied receiving it. In addition, the court clerk told all bankruptcy information is only available third party and they do not have all the information in the file because it is a sealed file. My home is a rental and I still receive mail from pass tenants. I believe this is not factual and should be removed from my credit report.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filed a dispute with transunion over an alleged debt from XXXX XXXX that came back as " verified ''. This is a screenshot of the results. But how can an account be closed on XXXX/XXXX/XXXX yet the last supposed payment was on XXXX/XXXX/XXXX?
Consumer complaint received 2020-10-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

XXXX XXXX XXXX calls up to 10 times a day.. I have asked several times for proof of debt in writing.. and how to.dispute it.. they have asked for several different amounts.. and sent only one email that has no dispute information in it.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

XXXX Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX : Acct. XXXX Acct : XXXX XXXX Cards notifying me XXXX XXXX XXXX of the above debts. 
I contacted the XXXX major Credit bureaus and XXXX Cards making a point of proving to them that I was the victim of Identity Theft. The entities named above validated the debt as mine, yet they did not provide any documentation legally linking Me XXXX XXXX to the account. 
The problem with their validation is : 1. I was residing in different city than the one provided for the origin of this account. 
2. Therefore the accounts are linked to an Address that I never resided at 3. The number one way companies validate an account is through a signature neither of the entities above have done so.
Consumer complaint received 2015-08-10
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (FL)

I bought a software package using Discovercard. The software included XXXX mail-in rebates, which were advertised by the merchant. The transaction was therefore to purchase a product *and* XXXX checks ( which were to arrive at a later time ). XXXX of the checks was never sent. Discovercard refused to dispute the charge on the basis that the rebate is " between you and the merchant ''.
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (NC)

I received a notice from Linebarger Goggan Blair & Sampson , LLP attempting to collect a debt for a expresstoll on XXXX in XXXX, CO. They listed a license plate that does not belong to me ( I've not been to XXXX in several years, and haven't lived there in more than a decade ). I called them and demonstrated that I live in North Carolina and not Colorado and the plate ( a Colorado plate ) could not belong to me. They continued to attempt debt collection. 

I then called XXXX. The representative stated that the picture of the plate was indecipherable.