davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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've submitted this complaint several times & CFPB & XXXX & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. This account listed below were opened due to identity theft. I've provided you ( CFPB ) & XXXX TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems XXXX TRANSUNION are violating FCRA sections XXXX, XXXX & XXXX. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like this account blocked or removed based on XXXX. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per XXXX with the attached documents again ... Thanks XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00}
Consumer complaint received 2020-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ARS National Services, Inc. (IL)

On XX/XX/20 I've received notification from ARS National Services in regards to an alleged debt owed to XXXX XXXX in the amount of {$4100.00}. In accordance with Federal law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I got contacted through XXXX  about a product ( bourbon ) Ive been looking for for quite some time that was {$130.00} on XXXX XX/XX/XXXX. I thought it was a great deal, but it turned out to be a scam and me having to send more money through Zelle. They assured me I would get a full refund after paying for insurance fee which was {$120.00} and a permit that was another {$170.00} whenever I got my package that would arrive in a day I shouldve known better the package was never going to come and I tried to resolve it through my bank, but they said there was nothing I could do to get my money back.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUSTMARK CORPORATION (TN)

On Tuesday, XX/XX/ at XXXX XXXX, I contacted XXXX Representative XXXX. Upon speaking with her, I informed her of two transactions ( {$6.00} & {$7.00} ) that included two Non-Sufficient Funds fees ( {$36.00} per transaction ). The fees was processed as an ACH. I informed her of an established agreement to opt out of overdraft protection when I first opened up my account. The agreement stated when the funds are not available in account the transaction are to be declined. I requested to dispute the transactions for the NSF fees, in which, she offered to waive one of the NSF fee. I declined due to my belief the funds was available during the time of transaction and in the event that the funds was not available, the transactions should be declined. I was emailed a document for electronic signature agreement in order to file the dispute. After carefully reading the agreement and how the agreement could be used, I elected for paper signature.
Consumer complaint received 2019-08-10
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: PRESTIGE FINANCIAL SERVICES INC (CA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2017-09-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergys (TN)

I am not sure of the exact date but it was about 2 weeks ago. Convergys ( collecting for XXXX ) called my father and after he told them that he was not me they still continued to verify sensitive information like my social security number. I had set up a payment plan but fell behind because they told be that it would n't hit my credit report if I paid ( they told my wife ) something monthly but it did. This company is horrible and I feel my rights were violated because they gave my sensitive information out.
Consumer complaint received 2023-01-11
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. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Robinson, Reagan and Young PLLC (NC)

I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that XXXX XXXX XXXX remove a disputed and erroneous account in my name from collections and eliminate the balance and remove all credit bureau reporting. I never received any notice about the collection and I was struggling to make the payments. 

I have documentation regarding my XXXX.
Consumer complaint received 2023-01-11
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. (AL)

My name is XXXX XXXX. My twin sister 's student loans are reporting on my credit reports. I have been disputing them since 2018 and nothing has been done about it. I always get a letter stating it has been verified as a response to my disputes. I have contacted the XXXXXXXX XXXX XXXX  and they do NOT have any open student loans in my name whatsoever. This is illegal reporting on your end. I can't purchase anything because of this. It is damaging my life.
Consumer complaint received 2023-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I reached 120 payments for PSLF and mailed my application to Mohela in XX/XX/XXXX. Mohela denied my application in XX/XX/XXXX stating that I have not yet made 120 payments, which is not accurate. I now have well over 120 qualifying payments. I called 3 different times in XX/XX/XXXX and was told 3 different answers, stating that it still takes time for the payments to be counted. I called again in XXXX and someone said they would send my account for review. In XXXX there was still no progress, so I called again and the woman said the last person sent it for review incorrectly. This new person sent it for review again. After a few weeks, 6 of my payments were correctly counted. However, I am still missing payments from my qualifying employer ( the XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX. One payment from XX/XX/XXXX was counted, but I am still missing 9 payments. I have called Mohela 6-7 times over the last 2-3 months to get this issue resolved, with no resolution. I am constantly placed on hold and having my time wasted. My forgiveness application was complete, organized, accurate and concise, and Mohela was still not competent enough to properly process my application or my payment counts. I have spent hours and hours on the phone with Mohela with no resolution.
Consumer complaint received 2021-09-11
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NC)

With regards to the complaint, ID # XXXX. The company responded by apologizing for the inconvenience and provided information for me to collect the refund in XXXX XXXX at any Western Union location.

Having received this email I responded to the company that I was no longer in XXXX XXXX and that I am now in XXXX and requested that they send the money there. I subsequently received an email with new information that will enable me to collect my refund in XXXX. On XX/XX/2021, I went to a Western Union location in XXXX to collect this refund. Having completed giving the relevant details to the representative, she then told me that she is unable to issue the money to me as she is seeing " Transaction is under Review '', I then sent an email to the Executive Resolution Department, with whom I have been communicating since the intervention of CFPB. Also, since the email came from that department as to how to collect my refund in XXXX. 

On XX/XX/2021, I receive another email stating that the money I can only collect the money in XXXX XXXX. How do I get my money, when I am no longer in XXXX XXXX??? 

I am a single mother and I need my money to look about my children back to school expenses and Western Union is giving me a warm time getting back my money!!! 

I was a XXXX  in XXXX XXXX  where my tenure has ended and now I move back to my country, XXXX, in XX/XX/2021. I NEED MY MONEY WESTERN UNION!!!!!!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

According to XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX and Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 42 USC 408, 15 USC 1666b Delete ACCOUNT
Consumer complaint received 2021-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

USAA keeps over drafting the account by using some method which is crazy So far, I have racked up {$87.00} in fees When I paid my Att account it showed the money was already taken out because I used their website and allowed them to go into the account. When the account was assessed on XX/XX/XXXX, there WAS EnOUGH MONEY. USSA didn't honor that payment when the funds were in the account instead they held on until the account was low. 
meanwhile, I thought the payment had cleared so it was not until today that I saw the account had been overdrawn USAA continues to do this I am on unemployment but I continue to look for a job. i put in 3-4 applications per week and still no interview I am also a veteran with mental health issues and I'm freaking out right now USAA should be helping instead of hurting its customers
Consumer complaint received 2020-01-30
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. (FL)

Dear CFPB Staff, Experian has allowed the following Fraudulent account to reappear on my Consumer Credit Report : Derogatory Mark : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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. (CA)

This is in relation to complaint XXXX, which was erroneously closed. Citizens bank did not offer any remedy to the situation or their unfair practices that resulted in my credit score dropping over XXXX points. The letter they wrote back ( with a wrong address that doesn't exist in the XXXX XXXX ) ; did not actually address any of the pain-points. The respondent said 'they closed the credit line ', which was actually myself going through the web of call centers to do so myself. I am reopening this complaint because the issue has not been resolved.
Consumer complaint received 2020-09-09
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. (CA)

I noticed a collection account and several inquires reported to my credit file that should not be reporting because i didn't authorize my credit to be pulled from these creditors.
Consumer complaint received 2021-09-11
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Account number XXXX with a balance of {$1200.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

I am writing to express my profound dissatisfaction and concern regarding my PayPal Credit account, serviced by Synchrony Bank. I have been a loyal and responsible cardholder, ensuring that my payments are made on time, with rare exceptions where payments were delayed by only a few days but never exceeding 30 days. Despite this, I have experienced unwarranted and repeated reductions in my credit limit, which not only affects my purchasing power but also unjustly impacts my credit score. 

This arbitrary action is perplexing and unacceptable, especially given my commitment to maintaining a good standing on my account. Synchrony Paypal institution prides itself on technological advancements and customer satisfaction, yet these reductions seem to reflect neither. They appear to be punitive measures without basis, significantly undermining my trust in your services and jeopardizing our ongoing relationship. 

Furthermore, I have encountered persistent issues with linking my bank accounts to my PayPal account for online payments. This technical glitch contradicts their claims of technological prowess and significantly inconveniences me, a busy professional with limited time to address such matters. The inability to make payments online, forcing me to allocate precious time from my schedule to make phone payments, is not only archaic but also inefficient in today 's digital age. It is bewildering that Synchrony Bank has yet to resolve this issue, thereby hindering my ability to manage my finances effectively. 

I urgently request a comprehensive review of my account to understand the rationale behind the reduction of my credit limit. I also demand immediate action to rectify the online payment system to allow for seamless bank account linking and mobile payments. Their prompt attention to these matters is not only expected but required, as it affects my financial flexibility and the integrity of their services.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have contacted Bank of American and the Police about my issue. The police said it might be identity theft. On XX/XX/XXXX a person named XXXX XXXX was added to my payees on bank of America and the next day. I was told that I had sent {$8600.00} to that person on XX/XX/XXXX. That was most of my funds. I didnt realize till XX/XX/XXXX that is had happened though. I am currently following up with Bank of America and the local Police.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

My situation began on XXXX of XX/XX/2021. I lost the amount of {$2700.00}. I went to my bank to clear up the blocked check situation but got nowhere as There were two XXXX checks sent out. This was after my bank had cleared the check. I was told later that I should have waited ten days to use my deposited check. I went to the restaurant that issued the check and spoke to the manager who knew instantly what I was taking about. She said you didnt deposit the check did you? Because this is not our check ( a block was put on the check ). She also mentioned that this appears to be a nationwide scam and that they had also reported it to the authorities. I have since put together the paper trail the guilty individuals have left for me and are attached to this correspondence
Consumer complaint received 2017-09-16
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: EQUIFAX, INC. (IN)

I believe I was a victim of the Equifax hack in 2017. Because of this, Equifax has allowed my name, DOB, and SSN to be accessed by unauthorized personnel, which may lead to identity theft, fraud, and a disruption of my credit.