davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XX/XX/XXXX went to withdraw money the manager said they closed my account and that a check of $ XXXX was mailed to me and that it could take 10 business days. XX/XX/XXXX they said they mailed it on the XXXX XXXX XXXX. I've called and called and still no check. This is money from my husband 's life insurance policy. I have no means of income. No money no food.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I had some fraudulent activity on my credit report in which I reported to Equifax. Since everything is now accurate, I've requested that Equifax remove the fraud alert and they refuse to remove the fraud alert. I've requested them to remove the fraud alert on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again today, XX/XX/XXXX. I don't understand why they refuse to remove the fraud alert but I feel that after over 1 year of requesting them to remove it that they should now be obligated to do so.
Consumer complaint received 2021-03-24
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: AMERICAN EXPRESS COMPANY (FL)

CFPB COMPLAINT Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX  that opened last XX/XX/XXXX, AMERICAN EXPRESS that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATIONXXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (WA)

The card I received never worked since day one. I have spent several hours on the phone with the services team with the number on the back of the card ( XXXX XXXX ) I attempted to withdraw money from a local US Bank in person from a teller. When they ran the card it came back on the machine as fraud. I called the number on the back of the card and the service rep said they would remove that and that there is no problem. I have made a total of 12 calls and gone into the bank 9 separate times to have them to run the card. Still comes back fraud. 

I have jumped through all the hoops they requested of me, including uploading a picture of my face and sending a picture of my passport, ID ) and at this point I'm suspicious of them for fraudulent holding of money. I am still not able to get my money and they claim my ID I uploaded is " cut off '' But I used their system and called a rep right after I uploaded and he confirmed the ID was received and it would take 2 days for the hold on my card to be lifted. 

I am suspecting the company that handles ReliaCard services and fraud-management team as a fraudulent and corrupt vendor for US-Bank.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX I got taken out from my prepaid card {$900.00} fraudulent. 
My money was taken out the same morning was deposited. 
Is been 40 days and I haven't received any news, I been calling bank of america and they first cancel my investigation and they re opened a couple days ago and I haven't been able to use my card since XXXX. I had money transfer to the account and I'm not able to use it. Every time I call is a different answer and they do not resolve the problem or don't give me an answer when would it be solve. I'm desperate and I need the money that was taken from my account and the money that is been transfer to my account.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

It has now been over 30 days since our 2 loans were paid in full to Bayview yet we have not received the return of our escrow funds. They owe us over {$17000.00} and they are not answering their phones. NOTHING gives them the right to keep my money.
Consumer complaint received 2020-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I purchase a XXXX XXXX 2015 Loan # XXXX From XXXX of XXXX NY from Toyota Motor credit corporation. Toyota was sued from discrimination against African Americans for sale high interest rates and misleading them into bad loans. This hurt my credit score for years i also paid thousands over the price that a normal loan would have paid I have a year and half before this loan is paid off.I feel that this loan ruined my scores for many years Im asking that Toyota Motors consider that my loan is paid in full because of the financial pain it cause me also I believe this was a hate crime and that they should send me a paid in full letter. This loan was done for greed!!!
Consumer complaint received 2022-04-01
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. (MN)

My right to privacy has been violated. I wrote them telling them to delete this information as they do not my my permission to publish this information about me and they said they did not need my permission. I have asked verification that i gave permission to report the alleged debt and no company has done so. 

5 USC 552 ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2017-12-05
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)

my XXXX XXXX account ending in XXXX has no delinquency ( must not have any ), i have disputed this with the creditor and they have fixed this problem and removed the error, therefore the bureaus must remove this as soon as possible, i need have this removed as soon as possible and they are giving me a very hard time, XXXX XXXX letter ( attached ) specifically mentioned this error, i need your help to have the bureaus remove this inaccuracy thank you
Consumer complaint received 2020-05-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

HAVE A VA. was purchased by XXXX, services by PHH. PHH IS owned by OCWEN but PHH IS title as wholly owned subsidiary. 

Since XX/XX/XXXX I have requested by phone and by email to use forebearance under CARES ACT HR 748 section 4022!!!

They keep telling me. I can only do 3 months and them pay all. I have told them I am effected and impacted by COVID19.

I sent a copy of the law and the letter from VA guaranty which was made public!!!

A relationship manager was supposed to call. I gave them number to call. She did not call the number given. Then we called back and she was suppose to call this past Monday!! Never called!! Nothing I have sent 2 emails with request to homerenrention relationship manger and Supvs. No response please help!
Consumer complaint received 2023-02-07
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. (WA)

While looking over my consumer report I noticed late payment reporting. According to the law, I am a consumer, and it is against the law for late payments to be shared on my consumer report.

15USC 1681 ( 2 ) ( i ) states exclusion a credit report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B :
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

1026.13 also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I am requesting and putting you on notice to please REMOVE ALL LATE PAYMENTS off my credit report this request is not made by anyone but myself or I will seek legal action against you I have already let you know of XXXX violations and know a lot more I can add and will be requesting {$1000.00} per violation if this matter isnt handled. 

Department of education XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC (DE)

I took out a loan, for high interest Prior to making my first payment I secured a loan to pay off loan me at a lower interest rate. The second loan company issued a check to loan me to pay off the loan. The check was overnighted however by the time loan me received it more interest had accrued. I had auto payment set up with them so they took XXXX out of my bank account on the original due date. I called them and was told that they could n't apply the check to the account because it referenced it was a payoff and because another day or two of interest had accrued they had to take the XXXX payment out of my bank account. I understand they would need to charge my account for the difference due to the accrued interest but I feel for them to take out XXXX when i did n't owe that much is bad business practice. They received the check on XXXX XXXX my first payment was due XXXX XXXX. They had plenty of time to apply the payment without debiting my checking account. This overdrew my account and I was charged fees by my bank. I called them again and they said they would apply the check to my loan AFTER the XXXX came out and would send me the difference of the overpayment, that 's great but in the meantime my bank account is overdrawn and other payments I made are being returned nsf
Consumer complaint received 2017-12-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST (CO)

In XXXX, I tried to open a credit card with my bank ( Bank of the West ). I had no credit history, so they suggested I take out a loan ( that I did not need ), and pay it back to build credit. They would n't give me the loan either, without me putting the full amount of the loan in a CD to use as collateral. I saw this as a way to pay money to the bank to build credit, and reluctantly agreed. 

This year ( XXXX XXXX, after the full term of the loan and the CD, I tried to close the CD, only to find that it had been automatically renewed and I would n't be able to withdraw the money until XXXX, unless I paid an {$80.00} fee. The manager explained to me that a letter had been mailed and that after the letter was sent out, I had 15 days to physically come into the bank and close the account. I have a couple major issues with the way this transaction occured : 1 ) It was not clearly communicated to me in XXXX that the XXXX would automatically renew, and even if it was, this is an absurd practice. Clearly, as the CD was only used as collateral for a loan and generated essentially zero interest, I would not want to renew the CD.

2 ) I was not able to use online banking to close the CD, and the reminder was sent to an old address. Although I had updated my addresses for my checking account and credit card, the reminder was sent to the old address, guaranteeing that I would not see it within the 15 day time period. There was also no email or electronic communication. If I had been able to close the CD online, this might have been avoided.

3 ) The manager at the local branch told me that I " need to take responsibility for my accounts '' even after she said people in my situation came in " all the time '' wanting to close their CDs that had been automatically renewed. If this is happening " all the time, '' maybe it is time to change the practice.
Consumer complaint received 2020-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

There is a medical debt being reported on my credit report to the credit bureaus by Midwest recovery systems. I spoke to a representative by the name of XXXX XXXX her phone number is XXXX XXXX she explained to me that this debt was for a medical bill that occurred last year in XXXX. I then explained to her that I havent went to the emergency room ever in my life so this debt couldnt be mine. She then checked the file and realize that the date of birth associated with this account was XX/XX/XXXX and I explained to her that my date of birth was XX/XX/XXXX so this is not me. She then told me she will have to put in a dispute which will take up to 6 weeks. This is going on 7 weeks and this is still being reported to my credit report.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: BMO Bank, N.A. (IL)

I went to open a checking account at BMO Harris Bank address XXXX XXXX XXXX XXXX XXXX Illinois XXXX telephone number XXXX inquiry date XX/XX/XXXX they said that my social security number was wrong I see on XXXX XXXX an inquiry with the wrong social security number XXXX is not correct it's XXXX I brought in my social security card and was still denied to open account Harris I have never provided any company that social security number. Please remove the wrong social security number XXXX off my report
Consumer complaint received 2023-02-07
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. (CA)

I asked the consumer reporting agencies to make sure everything in my report was complete and accurate to 15 USC 1681i ( 5 ). I waited over 30 days and noticed everything was the same. The consumer reporting agencies XXXX TransUnion XXXX did not accurately investigate. Dates open is not correct m, dates last active are incorrect on all 3 reports as well as date of last payment. Which is a violation. This is impacting me from buying a home. 


Account Name XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LendKey Technologies, Inc. (VA)

LendKey services is negligent in their duty to handle private student loans. I don't have exact dates ; however, on 4 occasions -- once in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the website showed that I owed {$0.00} for my next bill due on the XXXX of every month. Come the XXXX of said month ( around that date ), I get a deliquient loan notice. The first time I thought it was my mistake, but it keeps happening. The company always takes off the late fee, but it messes with my time, finances and mental health to always have to call the company to advise them of their mistake. It's amazing that during a pandemic a company would willfully do this to its borrowers. I have been told many things from the company including that the website doesn't show accurate information ( how not?? ), that I should know what is due every month and shouldn't need an accurate minimum payment statement to keep my account current, and that minimum payment due balances disappear up to 48 hours before the due date ( why???? ). I'm tired of wasting time on this company. Please help.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX XXXX Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Consumer complaint received 2019-11-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have verbally told Portfolio Recovery Associates to stop calling. I have sent them 2 emails and one physical letter advising them to put all communications in writing. They have called third parties. Despite receiving notice to stop calling, the calls keep coming. 

Not only do they keep calling, the phone numbers they call from vary ( various states ). 

According to my records, I have no outstanding collections with this company. 

To date, starting with the XX/XX/2019, I have received nothing in writing.
Consumer complaint received 2017-12-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Prizm Financial Company, LLC (OH)

Made payment arraignments on XXXX/XXXX/XXXX for XXXX to be made on XXXX/XXXX/XXXX spoke with XXXX XXXX he was very rude and nasty towards me. I made my payment on XXXX/XXXX/XXXX and on Sunday XXXX/XXXX/XXXX the took my car saying they did not see the arrangements in the system. On Monday XXXX/XXXX/XXXX I spoke with XXXX XXXX and she told me in her own words she sent out a email to stop the repo but it did not get to the person it was supposed to get too. I lost my new job due to not having my car on Monday XXXX/XXXX/XXXX. it was not returned to me until late afternoon on XXXX/XXXX/XXXX by that time it was too late for me to retain my job. This was totally out of line on this companies behalf.
Consumer complaint received 2016-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Filaport Acquisitions (MN)

Yorkshire Acquisitions Group has been leaving threatening voicemails, making false claims, and calling me, my family, and my employer at an excessive rate. Side note, they have XXXX separate addresses ; XXXX was given to me in a settlement letter and the XXXX was given to obtain my credit report. The XXXX address is a XXXX. The XXXX appears to be an empty office space. The original debtor does not have record of the debt and neither do I. This place claimed to have sent summons to my employer, but encouraged me to not obtain it and just directly settle with them. They were willing to settle for an amount they verified as an amount I had on a recently opened credit card, but demanded it in 24 hours. They spoke to my husband and said they 'd see us in court before hanging up on him. They implied I 'd lose my home and stated my address, but continually said they were taking documents to my employer. Today they 've called me 4 times today already, called my employer twice, my husband once, and my parents once. They requested information from my credit report as well. I 'm terrified these people wo n't stop harassing me or attempting to steal my identity.