davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My husband and I received a postcard invitation from Citizens Bank offering a special rate of 2.50 % on a 15 month cd with a minimum deposit of {$1000.00}. We could not be current Citizens ' customers, and we would have to open a checking account there too. On XX/XX/XXXX we went to XXXX XXXX XXXX and withdrew {$5000.00} from two Cds there for a total of {$10000.00} and a total penalty of {$340.00}. We took the {$10000.00} to Citizens to open an account there. We were told by the teller that we would have to match our {$10000.00} cd amount to a checking account or another {$10000.00}. We protested and asked to talk to the manager, which we did. Both the teller and the manager apologized for the lack of information on the card to clarify the matching feature. Obviously {$10000.00} in a no interest checking account would be XXXX!
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK (FL)

I have a checking account with First Tennessee Bank, and a debit card was provided with the account. Sometime between XX/XX/XXXX and XX/XX/XXXX I lost the debit card, and ten unauthorized transactions were made on the account. The last transaction I conducted on the account was on XX/XX/XXXX. I discovered the debit card missing on XX/XX/XXXX, and called First Tennessee immediately to have the account closed, and to file a claim/case for the unauthorized transactions. I was told a provisional credit for {$890.00} would be applied to my account within five business days. Instead, I received a letter dated XX/XX/XXXX, which stated the information I provided was inconsistent with the transactions I reported as unauthorized. Accordingly, I called First Tennessee 's Fraud Dept. on  XX/XX/XXXX to ascertain in more detail why the case had been denied. An email was sent by the person I spoke with to a senior manager to request the case be reopened, and for me to receive a call. On XX/XX/XXXX, I spoke to a senior manager who requested a police report be filed. The police report was filed with my county sheriff 's office, and the report was submitted to First Tennessee Bank. The deputy made an incident/investigation report, and not a criminal report, because all the transactions occurred in other counties. My sheriff 's office didn't have jurisdiction over the crimes ( fraud transactions ) committed. Nevertheless, I followed up with First Tennessee later in XX/XX/XXXX( don't know the exact date ) to find out what was happening with the case, and was told the case wasn't reopened because when I called the Fraud Dept. on XX/XX/XXXX I stated the debit card was still in my possession, but in fact I said the card wasn't in my possession. In addition to this problem, I was told that I had called the Fraud Dept. to have my account reopened after a transaction was declined at a XXXX XXXX. I didn't call the bank until I discovered my debit card missing on XX/XX/XXXX. Further, the same Fraud Dept. employee told me that my PIN was used for some of the unauthorized transactions, which I refuted because I'm the only person that knows the PIN. Upon speaking with a senior manager a few moments later, I was told that all the unauthorized transactions were indeed credit POS transactions.
Consumer complaint received 2019-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation (TX)

In XX/XX/2019 my mother contacted me and stated someone left her a message looking for me and left a number for me to contact. 

After looking up the number I found it to be to a XXXX XXXX dba Regional Financial. 

I sent them a Validation of Debt letter and a Cease and Desist letter ( attached ) on XX/XX/2019 via fax and addressed it to a compliance officer at XXXX. I have attached the fax confirmation proving they received it. 

On XX/XX/2019 I faxed another letter that included the XX/XX/2019 letter and stated it had been 30 days and they have not been able to validate the debt. 

as of today, XX/XX/2019 they are still trying to collect on a debt I do not owe.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (SC)

Due to the covid-19 global pandemic I was unable to make payments on credit card debit. I went through a government program to help resolve this issue in XXXX. A judgement was filed against me on XX/XX/XXXX stating that I am to pay a Principal of XXXX Now I am receiving notice of execution on XX/XX/XXXX. This Discover Bank account was supposed to be a full discharge of debt. I need answers as soon as possible.
Consumer complaint received 2019-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd. (TX)

In XX/XX/2019 my mother contacted me and stated someone left her a message looking for me and left a number for me to contact. 

After looking up the number I found it to be to a Cottonwood Financial dba XXXX XXXX. 

I sent them a Validation of Debt letter and a Cease and Desist letter ( attached ) on XX/XX/2019 via fax and addressed it to a compliance officer at Cottonwood. I have attached the fax confirmation proving they received it. 

On XX/XX/2019 I faxed another letter that included the XX/XX/2019 letter and stated it had been 30 days and they have not been able to validate the debt. 

as of today, XX/XX/2019 they are still trying to collect on a debt I do not owe.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Utah System of Higher Education (UT)

I had several student loans with XXXX that were paid in full. Several of the loans were reported as PAID IN FULL while 2 of them were marked as delinquent when in fact they were also PAID IN FULL. I contacted XXXX about the problem and they admitted that it was an error when reporting the accounts and that they would fix it. However, it has been on my credit for a couple of months and has not been resolved.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is wrong on my credit reports and it is causing some issues with my verifications. My name is spelled wrong a few time the only name on my report should be XXXX XXXX no other name or variation should be there please delete remove any other spelling. My only address that should be on my report is XXXX XXXX XXXX XXXX OH XXXX. Please remove any other address. I was compromised and I need to protect the integrity of my credit profile. My DOB XX/XX/XXXX My SS XXXX. Please remove any other date of births of SS numbers. Please delete the following numbers they are not mine at ALL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There are two accounts that are not correct on my report XXXX/XXXX # XXXX error please delete this account should not be listed. XXXX XXXX XXXX # XXXX please delete this account it is a error as well never verified. XXXX XXXX XXXX # XXXX account is reporting an account that is not late at ALL please delete. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Remitly, Inc. ()

I sent money using Remitly ( https : //www.remitly.com/au/en/philippines ) last XXXX XXXX. on the next day I noticed remitly double charged my account without my authorization. They mentioned that their payment portal is on error. After few days, they refunded my money from the double charge but I had overdrawn fee from my bank/ I requested refund of {$15.00} from remitly to my bank account - but remitly failed to do so. I made lots of communication to remitly but don't want to process the refund - in the first place its them caused this trouble. 

Can you please help me as I know there are lots of remitly user had experienced this as well. 

Please contact me in my email : XXXX XXXX
Consumer complaint received 2023-02-07
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. (NJ)

I previously try to get the credit agency to look into an unverified account, but all they do is sent me back an account that they said it was verified. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Also. 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or crimes which antedates the report by more than seven years. 

Too many violations to my rights. if this keeps going, my only option would be to seek monetary compensation for the damages done to me. I demand the following accounts be verified or removed immediately. I will also attach identity theft report from the FTC XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Several credit inquires are reporting on my credit report. Reached out to Transunion and no one would help. I am a victim of identity theft and requested all incorrect inquiries be removed. They reused to do so.
Consumer complaint received 2019-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc. (MT)

I was involved in a workplace accident while working for XXXX XXXX XXXX  in XXXX, Arizona in XX/XX/2013. I spent 2 days in the hospital in XXXX and collected tens of thousands of dollars in medical bills. The Industrial Commission of Arizona ruled in my favor and found my company, XXXX XXXX XXXX, to be at fault for the accident and ruled that they pay my medical bills in their entirety. They paid all of my bills, except {$840.00} for an XXXX service for XXXX I had because of the accident. 

Now, after applying for a mortgage, when my lender ran my credit score, I discovered this outstanding bill that is in collection with an agency called TCS Thunderbird in XXXX, AZ. Their number is XXXX-XXXX-XXXX. Today I spoke with XXXX who is in charge of my bill, and he said that I am now liable because of the amount of time that has passed. He also told me that filing an appeal or dispute was pointless because of the amount of time that has passed.
Consumer complaint received 2023-02-14
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. (GA)

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate. This is grounds for removal as they violated my rights under : 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 states a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation. here is my certified tracking number # XXXX
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent two letters via certified mail to the three credit bureaus and they have refused to delete the incorrect information. I gave them my only personal information to include my name, address, phone number, and employer. The first letter was in XX/XX/2021, the second letter was XX/XX/2021. It is my belief that the over 16 addresses, 8 aliases, and 9 different phone numbers were provided by some persons or companies that have not yet provided verified proof of debt. I have provided proof to all three credit bureaus of my only name, current address, phone number, and employment. This is detrimental to my credit as I am currently attempting to purchase a home. I have already been denied twice ; me and my family are suffering from the three credit bureaus lack of action.
Consumer complaint received 2020-07-14
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)

I noticed I had a fraudulent account on my credit and I have tried to remove it, but the bureaus have ignored me claiming that this was not sent by me. yes it is sent by me! please remove this fraudulent account.
Consumer complaint received 2020-07-14
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 noticed I had a fraudulent account on my credit and I have tried to remove it, but the bureaus have ignored me claiming that this was not sent by me. yes it is sent by me! please remove this fraudulent account.
Consumer complaint received 2016-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

My loan was transferred to Green Tree LLC/Ditech.During the time with Green Tree now Ditech I was asked to send documents etc for Modification evaluation which I did, the latest being in XXXX 2015. A letter I received from Ditech dated XXXX indicated they had received everything and that the evaluation could take approx. 30 days. Now on XXXX XXXX I received another letter saying I was not eligible for HAMP etc. A short time for a real evaluation to take place. Previously I had received to Trial Modification offers which were declined because the amount asked for was in fact higher than my original mortgage payment. Both were neither reasonable or manageable based on our current financial situation. My acceptance would surely have resulted in another default. I think it is time for a Servicer change, a Principal Reduction Alternative ( PRA ) or a Cancellation of the debt with the understanding that in 7 years I would deed the house over to XXXX XXXX. Someone needs to be creative regarding a modification for us like paying 10 % of our gross income for an agreed up time frame ... ....
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., XXXX, XXXX, TransUnion XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to XXXX, XXXX, and TransUnion on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, XXXX, XXXX, and TransUnion have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

Thank you.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

My credit card company ( Citicards ) has raised my interest rate from below 12.24 % to 20.24 % since XX/XX/2022, and recently lowered my credit limit substantially. I have called and asked for a reason, and gotten no response. I believe that both of these actions have affected my credit score.
Consumer complaint received 2021-02-27
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: Diverse Funding Associates LLC (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-27
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: Convergent Resources, Inc. (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (PA)

After request information from this company. they didn't provide the information and not they place collection my credit report. I need them to delete this account immediately. the have been threaten to damage my credit without provide me with any information. i need them to delete that account of my credit because I don't owe that company any money i don't know what's going on.
Consumer complaint received 2020-07-14
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)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

The company XXXX was paid completely and the company stated that they would remove it from my credit report. This has been disputed by XXXX, XXXX, and Equifax and they have not removed it from my credit report.