davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Hello, I bank with Citizens bank for a few years now. 

I recently overdrew my account on XX/XX/XXXX and Citizens overdraft policy states that if the deposit is made on the account on the second day after the account is overdrawn then the fee will not be assessed to the account. I made the deposit and Citizens bank still billed me the fee. 



I spoke with a customer service agent today who told me something different. The agent told me and I quote : " In order to avoid any overdraft fees, the account must be brought back and stay in a positive balance by the end of the same business the account became overdrawn. '' It appears Citizens has one policy posted on their website and is enforcing another rule via the agents. I asked the agent twice and this is what the agent shared with me. However Citizens send me an email informing me of something else. The email is attached below. The email states that once the account is overdrawn then you have until the next day to make the deposit. This is the most recent email they sent me, but for some reason they did not follow this rule on XX/XX/XXXX The current balance in your account ending in XXXX did not cover one or more transactions on XX/XX/XXXX, which has overdrawn your account by {$140.00}. Mistakes happen we know; were people too! And were ready to help. 

With Citizens Peace of Mind, if you overdraw your account, you get extra time to cover it. Then, well rebate any associated overdraft fees as if they never happened. 



How much time do I have? 
You have until XXXX XXXX  on XX/XX/XXXX to make an eligible deposit or transfer. 



How much money do I need? 
You need to deposit or transfer enough funds to cover the overdraft, plus any new transactions such as automatic payments or debits due before the deadline. 

Can you please assist me to have the fees that was charged in a deceptive manner rebated. 



Thank you.
Consumer complaint received 2021-12-02
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. (FL)

Numerous disputes have been sent to TransUnion asking for a complete and thorough investigation into the inaccuracies listed on my credit report. The credit bureau has a public record ( Bankruptcy XXXX XXXX Discharged ) listed as " XXXX XXXX XXXX ''. They use third party vendor XXXX XXXX to scrape this information from XXXX  and they place this unverified information on consumers credit reports. I have asked the credit bureau how I am " Contractually liable '' if all my debt were wiped away and I'm afforded a fresh start. They have yet to provide me with their methods of verification as if its a military secret. They are and have been reporting erroneous information on my credit profile for 2+ years now. The last time they updated my credit report was XX/XX/2021. I am writing to show how unprofessional this credit bureau is and they have failed to due their due diligence in properly investigating my disputes. There is no where in my paperwork that states I am " contractually liable '' for any debt. Where did they receive this information from? They have yet to provide copies of paperwork that states I am contractually liable for any debts.
Consumer complaint received 2022-11-19
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. (MN)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2018-04-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (MS)

Theyve been constantly taking the amount of {$26.00} out of my account quite some time now and I was told itll be XX/XX/XXXX once Im through paying I would like to stop these payments from coming out of my checking account please here are a few dates showing where its been taken out XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and etc
Consumer complaint received 2018-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (CA)

Recently, I was contacted by my current universities financial aid department in regards to an inability to obtain funding for me due to a previous loan being in default. This came as quite a surprise to me as I've been in deferment these past few years. My default status is not accurate and, as such, I feel as if I've been wronged. I understand the responsibilities of being a federal student loan borrower ( and I've no problem meeting my obligations if they're accurate ) however, I do believe this situation to be an oversight. I've been shuffled about to various 3rd party collection agencies today and not one of them has given me a satisfactory answer as to why they have no record of my forbearances. My email address is XXXX XXXX
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am disturbed that XXXX and Experian are still report a dismissed bankruptcy ( chapter XXXXChapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days of the response.
Consumer complaint received 2022-05-02
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please repair the following accounts completely from my Credit Reports : Accounts : XXXX XXXX EFS XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX contacted me about a debt their saying I owe XXXX XXXX XXXX XXXX. I don't owe XXXX XXXX XXXX XXXX any money. When the transaction happened I was in Minnesota at the XXXX XXXX having XXXX and XXXX for XXXX XXXX. I did not authorize any transactions that occurred on my XXXX XXXX XXXX XXXX account and I'm not responsible. This company has reported incorrect and fraudulent information to the credit bureaus and I want them investigated. I would like for this company to stop harassing me and ruining my credit for something I did not do.I 'm going to get my attorney involved at this point. As of today i have not received all the transactions info, I requested that this company send me all the transaction on the XXXX XXXX XXXX checking account and they have fail to do so. XXXX XXXX XXXX XXXX informed me back in XXXX  this account was closed because I reported someone used my account and this XXXX   XXXX XXXX XXXX  an old debt buying company obtained a account and trying to collect. They are not getting XXXX XXXX  from me because I don't owe it.
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am unable to access my TransUnion credit file. I have contacted TransUnion several times concerning this matter and I keep getting told that my credit profile is suppressed and that someone will contact me to have this issue resolved. I am being denied the pursuit of home ownership, job advancement and other opportunities that require the use of my TransUnion credit profile. I am requesting someone look into this matter so that I may have access to my credit file.
Consumer complaint received 2019-03-19
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: Innovis (FL)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2020-01-28
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: Experian Information Solutions Inc. (TX)

In my previous complaint I stated Experian sent me a marketing email with false information about my credit utilization percentage. I received another email promoting credit cards to raise my available credit limit. The email does not state that if I am unapproved my credit score will decrease. These type of email marketing hurt consumers. 
As I said in my previous complaint I should have my credit score modified or compensate me for the decrease. 

Please see attached email. 

Thanks, XXXX XXXX
Consumer complaint received 2021-12-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GENERAL BUSINESS RECOVERIES, INC. (AZ)

On XX/XX/2021 I contacted General Business Recoveries , Inc. to inquire about a letter that stated that my husband and I owed the company XXXX XXXX XXXX XXXX XXXX an amount of {$770.00}. I spoke with XXXX XXXX. I told XXXX that my husband and I have not received dental care in approximately XXXX  years and we did not recognize the company or amount owed. XXXX said that I have multiple accounts owed and that the amount of {$770.00} was a subtotal. I asked XXXX about the letter stating that I owed the dental company and she said " Oh thats an old account, don't worry about that account. I then asked XXXX if her company had sent me a letter stating that I owed a specific company a specific amount. XXXX then got very aggressive with me and said " Then I will open the old account and you can pay on that one to. '' I told " I am having a XXXX  surgery in a month and I will send you a dollar a month XXXX. '' I then ended the call by hanging up on XXXX. I do not appreciate being sent fraudulent information on a letter " In an atttempt to collect a debt. '' I do not appreciate being threatened when I called to confirm a false letter that this company sent me. This company does practice fair collecting procedures by sending misleading and inaccurate information and then threatening a client.
Consumer complaint received 2020-07-13
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XX/XX/XXXX XXXX {$3200.00}
Consumer complaint received 2020-01-28
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (IL)

Without my knowledge, Ally Financial stopped accepting automatic payments via the online portal and neglected to notify me in order to fraudulently charge late payment fees. Upon noticing it on my credit score, Ally Financial refused to cooperate. 2 Payments of {$470.00} were claimed to have never been received in XXXX and XXXX of 2019. The account has always been and still is current, yet Ally financial is refusing to correct their mistake. Any help is greatly appreciated. 

Thanks, XXXX XXXX
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I sold a couch to XXXX in XXXX for {$350.00}. He told me his company promoted him and he was moving to XXXX. He sent me a a company check ( XXXX XXXX XXXX is the company ) via email for {$1500.00} and asked me to XXXX XXXX {$1100.00} to his movers so they could pick up the couch from me, which I did AFTER the check cleared with my bank, Citibank. A few days later, he sent me a 2nd check for {$1800.00} and asked me to XXXX XXXX {$1700.00} to his movers for additional moving costs, and keep {$75.00} for my inconvenience -- which I did AFTER the check cleared. A few days later, he sent me a third check for {$4500.00} which he claimed was his remaining moving bonus, and asked me to XXXX transfer {$4100.00} to him and keep {$400.00} for all my troubles. I waited for all 3 checks to clear and the funds to be made available in my checking account before making the XXXX transfers, and was assured by my bank ( I called Citibank 3 times ) that the checks were 100 % good to go/spend. A week later, the {$4500.00} was void, followed by the {$1800.00} one. Now, I have lost a total {$7000.00} of my own money via these XXXX transfers and my bank does not claim any responsibility. 
On XX/XX/XXXX, I called Citibank a total of 3 times -- spoke to 2 different customer representatives AND a fraud specialist, and all 3 people assured me that the 3 checks I received were good to go and that they would not bounce at a later date. On XX/XX/XXXX, I physically went into my neighborhood Citibank branch ( XXXX XXXX ), told her the situation, and she assured me that Citibank is good at detecting fraudulent checks in a max time of 5 business days. It had already been 5 days since I deposited my checks, so I was assured that the checks were solid yet again, and she said worst case scenario if the checks do bounce, Citibank would take care of me. On XX/XX/XXXX, the exact scenario that all 4 Citibank reps assured me wouldn't occur happened -- the {$4500.00} was made void, and my account was overdrawn. Days later, the {$1800.00} was void. I filed a dispute with Citibank, which was soon denied because they claimed that I " authorized the XXXX transfers '' -- completely missing the point that the transfer were in fact NOT authorized by me. They refused to investigate the misinformation that was provided to me by Citibank on 4 occasions, and refused to take any action to assist a long-time ( 15 year ) XXXX customer. I even escalated my dispute to Citibank 's " Executive Response '' unit, who also denied my claim on the basis that I am responsible for deposits made to my account. I feel completely robbed, as Citibank will not take any responsibility for misinformed and misleading reps, leading me into a scam in which I've lost more that {$7000.00}. I am seeking any help/reimbursement I can get in this situation.
Consumer complaint received 2019-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation (IN)

I recently contacted avant for a payoff on my account. I was told they would mail one and further I could obtain a 10 days payoff at any time on line. 
I did obtain a payoff on XX/XX/19 good thru XX/XX/19. 
I sent a check overnight to avant and they received it and applied it on XX/XX/19 actually effective dating it back to XX/XX/19. 
This did not payodd my loan. They state and I now see that it is required that I schedule the payoff in order the the 10 day payoff amount to be valid. 
I called and spoke to them and they did indicate that a payoff that is quoted on line is not official unless I actually schedule that payoff via check or debit. 
I asked them how do I get a payoff good for 10 days without scheduling that payoff, they said I cant. The only way for the payoff to be valid is to schedule it because they freeze the interest. I dont understand how they freeze the interest because he said it is interest thru XX/XX/19. 
Is this legal? Can they require a payoff to be scheduled in order for it to be valid? Now, because I didnt schedule the payoff, I owe {$30.00} more. 
And if I dont schedule the {$30.00} before I send it in, I will owe more. 
Again, is this legal? Cant I get a payoff without any strings attached?
Consumer complaint received 2019-03-19
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: LEXISNEXIS (FL)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (FL)

I enrolled in school back in 2016 and my XXXX diploma was not acceptable and they kicked me out receiving a loan I am not responsible for. XXXX XXXX diploma is not legitimate at all and they knew this I tried resolving this matter and no results.
Consumer complaint received 2019-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I purchased tickets to a hockey game online. In order to pay, I had to make an electronic payment. As such, I used the service my bank, Regions Bank, compels me to use, XXXX. After making the transfer, I never received the tickets. Neither the bank, nor XXXX, would reverse the transfer. Worse, neither company would provide information that would assist me in helping law enforcement with identifying the scammer. Regions pointed the finger at XXXX, and XXXX pointed the finger at Regions -- both claiming they have no idea who they paid the money to or what accounts or bank the monies may have been deposited in. Regions Bank only recorded the fraud after I insisted that they make a report.
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. (CT)

A collection account recently appeared on my credit report for a XXXX bill in the amount of {$1300.00}. This account keeps appearing on my credit report with a new collection company. This information should be immediately BLOCKED and the credit bureaus should not allow this erroneous account to continue appearing on my credit file.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX. XXXX companies ran my credit without my authorization. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes
Consumer complaint received 2022-11-19
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. (AL)

You failed to respond to my dispute letter and you failed to verify that these accounts belong to me before the end of the 30-day period beginning on the date that you received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately. 

You are also required to send me a copy of my credit file showing that these items have been removed.. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
Account name Account number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-01-24
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: EQUIFAX, INC. (MI)

I have sent letters over 120 days ago to this this bureau ( XXXX  XXXX XXXX XXXX XXXX XXXX and the educational institution XXXX XXXX XXXX XXXX XXXX and they are disregarding a regular consumers disputes. 
I am very stressed and have been sending letters prior to this and have yet to receive a response. 
This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic. 

Account Number : XXXX