davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My account was closed on XX/XX/XXXX of 2023. I had a {$0.00} balance. It was gone from my view in my app after 5 business days just like the bank told me it would be. I deleted the app and that was that. Apparently, On XX/XX/XXXX there were numerous debits. This caused the account to be reopened per the bank and made the account overdrawn {$690.00}. They also charged a {$25.00} overdraft fee in XXXX and XXXX. I had no idea about any of this until I received a notice from XXXX that they were refunding a deposit I made from last XX/XX/year> because they had to cancel a booking I made. They advised that the refund was going back to my bank account that I had at the time which was this citizens account. I called citizens to inquire about how they handle the refund since my account was closed and they advised that they were not returning the funds because they were applying it to the negative charge that occurred after the account was closed. The amount of the refund from XXXX was {$400.00}. 
This account had been closed for almost 2 full months before these debits occurred. How can the reopen the account after that long. And now they are keeping my refund from my XXXX deposit to pay?? This is insane
Consumer complaint received 2023-03-11
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. (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. 
XXXX XXXX XXXX : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$880.00}, XXXX : {$310.00}, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, the following : XXXX. XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 
XXXX. XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-01-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

To whom it may concern : I am experiencing credit reporting fraud and financial fraud from my current lender PHH mortgage, housed under XXXX XXXX XXXX. I have been referred to an off-shore call center " case-manager '' since XX/XX/2019. Following all rules for their home loan re modification program, I paid as agree X6 months of partial payments in order to qualify. As of XX/XX/2019, I was inform that the trial payment period had ended and I had been approved for a home loan excluding the Melaroose charges previously embedded in my original FHA loan, this maintained my monthly payment at {$1600.00} of which I have paid consistently since XXXX of the finalized and signed agreement. Although I have been told that the new modification agreement has been accepted, I have been told that my loan is still not " finished ' and " awaiting on the investor ''. Although I was told, that my credit would only be affected for the period during the trial modification application, my credit report has received negative credit reporting for over a year. This has affected my ability to receive credit to pay medical bills, finance my car loan at reasonable rate, causing me to take out even larger loans with higher interests rates in order to pay for childcare. PHH mortgage has not followed up on my inquiry nor has offered any solution or END to destroying and damaging my credit, despite representatives on the phone promising to " reverse '' the negative credit reporting. Instead of helping my as a client, PHH Mortgage is destroying my families financial well being and also causing stress and hardship. This is the end inquiry made to the CFPB and over a year of attempting to resolved this issue directly with the company. As a hard-working XXXX XXXX  XXXX, I feel so abused and taken advantage of by this company which insists on cashing my checks every month without any regard to cleaning up their mess as it pertains to this loan or the credit damage that they have caused my family. Please rectify this immediately, this criminality and unethical behavior must stop now!
Consumer complaint received 2022-01-13
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

MOHELA is unable to locate XXXX payments made through my XXXX XXXX XXXX XXXX. XXXX has confirmed these payments were sent to MOHELA and are pending their acceptance of the payment and processing of the payment, I can also see this same information reflected in my XXXX payment portal. The money has very clearly left my XXXX XXXX account. I have called several times to try to get the issue resolved. I am often put on hold for over an hour and have been hung up on twice. I was finally able to open an investigation request on XX/XX/XXXX and was told I would be contacted in 5-7 business days when the investigation would be completed. I did not receive a callback. I reached out to MOHELA again to find out the status of my investigation request and was told it is still pending and waiting to be processed, a month after I opened the request. I can confirm the payments were sent to the correct address as it is written in a message directly from MOHELA. I keep making payments only for MOHELA to not process them and have no record of them, making my account delinquent. The customer service agents I speak to are never able to do anything more than tell me they have no record of a payment attempt and supervisors do not answer their phones. 

Payments are : XX/XX/XXXX {$25.00} and XX/XX/XXXX {$25.00}
Consumer complaint received 2023-01-31
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)

XXXX Inquiries on my credit report that I did not authorize. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

I had a collection from Credit Collection services that I wasn't notified I had until I received an email from XXXX that my score has gone down. Immediately I called the company to pay it as the amount was only {$500.00}, and asked why they hadn't contacted me. They informed me they had been sending the letters to an address that was incorrect, and had not reached me any other way. They say they attempted to contact me via phone only twice, once in XX/XX/2021 and once in XX/XX/2021, but I never answer unknown numbers and they never spoke to me until XX/XX/2021 when I called them once I had seen it on my credit report. When I called, the representative I spoke to did not inform me I had the right to dispute the debt, did not inform me that paying the debt would not remove a negative mark on my credit report, and told me they had mailed my letters to an incorrect address. I have filed a dispute with all XXXX credit bureaus as I am now currently trying to get a mortgage, and although having 100 % on time payment history, this single collection has damaged my score by over XXXX points. A kind representative from XXXX today contacted CCS and spoke to a supervising XXXX, who informed him they would refuse to authorize XXXX to remove this debt from my credit report even though they failed to notify me or inform me I had a right to dispute, and simply said allowing them to remove it would make my credit report " inaccurate '' even though there are no laws that state this. I am incredibly frustrated and upset, I can't secure a good interest rate and I'm just trying to get ahead in life after years of saving and working hard. I explained my situation to CCS and they refused to help me, even though the rest of my credit report shows I've never missed a payment, ever.
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I filed a complaint with you regarding this Portfolio Recovery Associates. My complaint number was This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 The response from this company is false. Which play right into the discestives practices that ensues them. This is NOT A FINANCIAL INSTITUTIONS. THEY ARE A JUNK BUYER. They have refuse to produces and sign documents that I came into any business dealing with them. Once again because of there hiding behind laws and privacy act that does not action pertinent to them the have continue to damage me and my family.
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (FL)

Claim Number : XXXX is not being acted on for 3 months and I am asked for the same paperwork over and over. The company is a fraud and lies to customers at every turn.
Consumer complaint received 2018-02-12
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Control Technology, Inc. (VA)

Collector discussed the debt with my wife without my permission. They went as far as offering her a settlement. My wife is not on the debt with my in fact my ex girlfriend is. They also did not verify my wife 's identity.
Consumer complaint received 2022-04-29
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Acct # XXXX XXXX XXXX, and bankruptcy Acct # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-13
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. (CA)

The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX BANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX BANK XXXX )
Consumer complaint received 2020-01-27
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. (WA)

My SSN brings up a false name and account information for another person that they have linked to me. The other credit bureaus are showing accurate information but Transunion is false and it is causing massive problems in obtaining and using any sort of credit including mortgage, credit cards, and other loans. They will not allow me to speak to them to file a dispute because they can not verify my identity due to the error. After 30+ phone calls to Transunion , other credit bureaus, other bank and creditors that hold accounts, including calls to the fraudulent person 's mortgage company confirming the debt that is being listed on the report is not associated with my SSN. I was told I need to mail in all of my personal information including SSN card and 2 forms of proof of my address. In addition I included statements of accounts, other credit reports showing accurate information, driver 's license, birth certificate, lease agreements, and lists of accurate accounts. 

XX/XX/2020 I mailed all of this information to them. On XX/XX/2020, I received a letter stating that they updated my address to be associated with the wrong person, removed one of the bank accounts that were pulled under, but ultimately could not do anything further as their data furnisher somehow proved that this information was accurate. 

Not only are they refusing to update the records to accurately reflect my credit, they have also now given me all of the credit information to this other person including his full name, all of the addresses he's ever been associated with him, all of his credit information including balances, account numbers, and where current accounts are being held.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX XXXX XXXX, and bankruptcy Acct # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Platinum Holdings Group, LLC (CA)

I have been receiving threatening calls from XXXX XXXX  XXXX on behalf of Platinum Holdings LLC. These messages are regarding a debt where the last payment was made in XX/XX/2012. I have been told I will be sued and they will garnish my wages. I have never received a validated letter of the debt owed. XXXX XXXX  XXXX as well as Platinum Holdings LLC has refused to give me a validated letter. I have received a generic one via email from XXXX XXXX  XXXX as they refused to mail me anything. They said if they mailed me anything it would be court papers.I told them I never received noticed, they stated they did not care because they sent notice. I asked what address they sent notice to and they did not have the correct address to where I currently live and stated it is not their job to " chase '' me, to notify me of the debt owed. When ever I call to ask for validation, they refuse to give me an address and say it is too late and I am already in the legal process. I read back my social security number to and told me there was nothing I can do, I have no rights and I will be sued. They also been calling at XXXX XXXX, calling my family members, showing up at family 's homes, and calling previous employers trying to collect and give my information.
Consumer complaint received 2018-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX has re aged this Capital One account. The account was opened in XX/XX/XXXX-XX/XX/XXXX yet they are reporting that it was opened XX/XX/XXXX. In addition they have not sent any information regarding this account and nor have they given me the opportunity to dispute.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (KY)

I received a phone call on XX/XX/2024. The man claimed to be from XXXX XXXX XXXX, said someone had purchased {$6000.00} worth of iPhones through my XXXX account. I live in XXXX and the order was being shipped to someone in MA. They sent me push notifi cations through the XXXX app on my phone to confirm they were from XXXX. They had my name, phone, address, email address and last 4 digits of my social. Anytime he asked for info I made him send me a push notifi cation through the XXXX XXXX to confirm it was legit. They asked for my debit card number to refund the amount that was charged. Admittedly I was distracted bc I was at work and panicked about the charge causing me to have overdraft charges so I obliged and gave them my debit card number. When he came back on the line and said there was a problem with my card and asked if I had another, I immediately realized I was being scammed and called my bank from another phone while they had me on hold. By the time I reached the bank, they had already put through XXXX charges. The bank reversed them and canceled my card. On XX/XX/2024, I received an email from Synchrony Financial regarding my Verizon credit card application- I DID NOT apply for a Verizon credit card or ANY credit card for that matter. The scammer apparently had more than the last XXXX of my SS # and fraudulently applied for the card in my name.
Consumer complaint received 2022-01-13
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: EQUIFAX, INC. (CA)

Equifax is in violation of federal consumer protection laws and is reporting information on my credit report that the FCRA clearly and conspicuously states are required to be excluded from credit reports. 
I have contacted them to seek prompt removal of the specified information, in hopes that the damage done to my name, life, and reputation will not exceed what has already been. It is my hope that equifax removes the accounts in question immediately so that they are not further liable under 15 usc 1681n of the FCRA.
Consumer complaint received 2021-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (OK)

Navient has been harassing my family and I regarding my student loans. They call 4 to 5 times a day during peak work hours when I am unable to answer because I am working with patients. They also call my husband at his place of employment. 
I was available to speak to them finally today and when I did they told me I owe on my loans as well as charging interest and fees in spite of my Navient Federal Loans ( 2 loans ) being FFEL loans which as I understand fall under CARES Act for suspended payment and charges until XX/XX/2021. 
In addition to the 2 FFEL loans, I DO have a private Navient loan I co-signed with my husband. I pay monthly on that loan in the amount of {$100.00}. 
Can you please assist me in this situation? Thank you.
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ERC (MI)

ERC. threatened to XXXX and XXXX my XXXX if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.
Consumer complaint received 2024-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I instructed XXXX XXXX to wire {$74000.00} to my Coinbase account and I received an email from them on XX/XX/2024 at XXXX XXXX  saying " Your withdrawal request has been processed. I immediately began checking my coinbase account and after a day or so I began calling both companies to find out the status of the transaction. I finally got to a supervisor with XXXX XXXX and she provided a " confirmation number '' but not a Federal Number or any other information about the exact time and date of the transaction. With Coinbase, I finally got someone who could see a previous incoming wire transfer but not the missing wire transfer. It's been 3 days since the wire transfer and they still aren't able to locate the missing incoming wire transfer.