davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (RI)

On XX/XX/2021 we were at all inclusive club in XXXX XXXX, XXXX  XXXX XXXX- we attended a spa on the property and had massage that was a compensated service. 
When we arrived home in XXXX we noted a charge on Citicard for {$1200.00} that we did not make it was on the same date we were receiving massage. On the card statement is states " XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We made a complaint to the credit card company and they responded to say they did not believe it was fraud. 
We appealed the credit card decision and appeal resulted in same response. 
The charge was in XXXX so we don't even know what was charged and we requested proof that they had my signature on the credit card receipt - card company did not produce any response. I have no knowledge of what was purchased or who purchased it. 

The same issue arose with another couple we were with - on the day before our charge but also around same time they were in the spa- ( we now suspect employees of the spa ). They had XXXX XXXX card and it was immediately removed from their card. 
They did cancel our card and issues us a new one to may sure no additional fraud occurred- which to me shows they knew it was fraud.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (FL)

I opened an account in the 1990 's with XXXX Bank. XXXX bank was sold to XXXX Bank. I had several accounts with them. While going through a marriage separation, we were trying to limit the deposits and separate expenses in this joint account. There was NO overdraft protection. TD charged my account for overdraft fees. I immediately contacted them and they admitted this was an error and reversed the charges. This happened again for the next few months. Each time I called and they reversed it. They told me they put a note in my file to not apply overdraft but it could take several months. Each month, I continued to call and they reversed it. Then they reported all these errors as " late fees '' on a {$1000.00} line of credit I never had. I went to the branch and they apologized. Customer service assured me this would be reversed. It stayed on my credit report. XXXX late payments showed on my credit report and basically destroyed my financial life. I was denied mortgages and more. I hired a XXXX XXXX XXXX & they were told this would be reversed. XXXX years later it is STILL on my credit report. XXXX Bank takes no responsibility. XXXX has also helped me dispute it but TD refuses to remove it even though I have proof this was their error and they credited the fees. XXXX told me to file a complaint with the CFPB. Your assistance in removing this from my credit report ASAP would be greatly appreciated. It shows as a {$1000.00} line of credit and I've spent thousands of dollars and over XXXX years of time trying to reverse this error. No one would XXXX late payments on a {$1000.00} LOC. This was never authorized to be on my account. Again, your assistance would be welcomed. This truly ruined my financial life. Thank you.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

As the federal government agency charged with implementing and administering the federal consumer financial laws, the CFPB is committed to ensuring that companies follow the law. For that reason, the CFPB and the Federal Trade Commission ( FTC ), which together with the CFPB helps enforce fair credit reporting laws However, the FCRA requires procedures to assure accuracy, and the fact that a CRA obtains information from another source simply does not mean that the information is free from error These CRA 's are erroneously reporting inaccurate information on my consumer file and requesting me to provide them with personal information pertaining to my person, however, are allowing 3rd party furnished to provide them with personal information to be included in my consumer report, this constitutes fraud and defamation of character. 


The FCRA regulates consumer reporting agencies ( CRAs ), which includes any entity that, in exchange for monetary fees, regularly engages ... in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. XXXX XXXX. XXXX ( f ). 

I have attached my DL for identification A credit reporting agencys reliance on a reputable furnisher may be evidence that the credit reporting agency followed reasonable procedures. However, contrary to the district courts holding, reliance on a furnisher does not categorically insulate a credit reporting agency from reasonable procedures liability under section XXXX ( b ). 

If a CRA willfully fails to comply with any requirement of the FCRA, it XXXX be held liable by a private plaintiff for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer. Id. XXXX ( a ), ( XXXX ) ( A ). If a CRA negligently violates a provision of the FCRA, it may be held liable for the actual damages arising from the violation. Id. XXXX
Consumer complaint received 2021-03-23
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: AFNI INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... AFNI ( Original Creditor : 11 XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-10-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This is part of an on-going complain. 

I wire transferred {$410.00} of XX/XX/XXXX to XXXX with the promise the recipient will receive {$400.00}. I paid the initial wire transfer fee of {$40.00}. The bank routed my money to XXXX XXXX  XXXX and that cost me additional {$20.00} which made the recipient received {$380.00}. 
The money received do not meet the required minimum deposit for the transaction which made me lost the transaction. 
I requested a refund from the other end and I got {$310.00}, now the bank is charging me another {$18.00} for receiving the transfer. 
As can be seen, I lost {$130.00} dollars because of the decision of the bank to route my transaction through XXXX XXXX XXXXXXXX and I also lost a business opportunity.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, 1. ) XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 2. ) XXXX XXXXXXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 3. ) XXXX XXXXXXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 4. ) XXXX XXXXXXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 5. ) XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 6. ) XXXXXXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 7. ) XXXX ACCOUNT # XXXX* HAS VIOLATED MY RIGHTS XXXX. ) XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 9. ) 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 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHED A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-04-25
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. (PA)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
U S DEPT OF EDXXXX Account # : XXXX XXXX DEPARTMENT OF EDU Account # : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX DEPTEDXXXXXXXX  Account # : XXXX XXXX U.S. Code 1681 section 602 A. States that I have the right to privacy 15 U.S. Code 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code 1692cWithout the prior consent of theconsumergiven directly to thedebtcollector or the express permission of a court of competent jurisdiction, adebtcollector may not communicate with aconsumerin connection with the collection of anydebt violated via phone call on a XX/XX/2022
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I have been building my credit for the past 9 years. I have multiple credit cards such as XXXX, XXXX XXXX, XXXX. I have student loans. I have credits on XXXX XXXX etc. 
I have never had a problem when companies ran my credit. 
However, I recently moved to south carolina and when I tried to buy a car on XX/XX/2018 and they said my EQUIFAX report had a hold. 

I called equifax several times, gave them all my personal info, and they said they have absolute no record of me. I then called my creditors to verify the spelling of my name and ssn and they all said that they report to all three credit bureaus. 

I am unable to get electricity in my apt because of this issue, hence I am unable to move, so I have been paying hotel for an extended amount of time. 


I need urgent help please. 


Thank you XXXX
Consumer complaint received 2022-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute with XXXX on XX/XX/2022 for XXXX XXXX XXXX because the reporting agency did not have my consent to furnish this account on my report. I got the results on this report via their website on XX/XX/2022 the dispute results states that XXXX  reinvestigation of the dispute I recently submitted is now complete. The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. this is several violations because one the term " investigative consumer report '' according to 15 usc 1681a ( e ) means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. so if this information was " certified accurate '' or specific factual information it should not be on my consumer report. Also I called XXXX to find out more about the investigation and I was told that XXXX does NOT have any documents from the " creditor '' verifying this account including my consent to furnish this account on my consumer report. I was also told by XXXX over the phone that this item could not be deleted only disputed again and that they did NOT need my consent. They also claimed they did NOT have to do an investigation under the FCRA. I was also hung up on several times after being yelled at.
Consumer complaint received 2018-08-22
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: Perfection Collection (TX)

The credit bureaus and Perfection Collection alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : XXXX  reflects XXXX & XXXX reflects XXXX. 
XXXX  reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
XXXX reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet XXXX reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, Perfection NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (SC)

I used online bill pay to have Chase send a check to a vendor ( XXXX XXXX XXXX ) in the amount of {$1400.00}. XXXX XXXX is the bank which accepted the check without an endorsement. XXXX XXXX is not the vendor 's bank, and they are not my bank. I was not aware the check had not been received by the vendor, as the funds were immediately debited from my account. A few months later, the vendor contacted me asking me for payment. I looked for proof of payment, and saw that there was no endorsement on the back of the check that was cashed. Apparently someone intercepted the check, and was able to cash it without having to sign the back or provide any identification. 

Chase opened a claim, and then the closed it because " we opened it under the wrong department ''. I was told on the phone by a manager to not worry about sending an affidavit because we were speaking on the phone and she had recorded all the information. The credited my account, but then they took the credit back out and closed the claim. They then informed me that I DID need to provide an affidavit, which I then did, and mailed it to them. It was received on XXXX, XXXX. 

Chase is now telling me that the 90 days did not start until they received the affidavit in the mail. The vendor has now been waiting for over 4 months for payment, and will not come to my house to service my elevator again. Unfortunately, they are the only company who can service it, and it is not working. After hours and hours of phone calls, I am at a standstill. Chase has on multiple occasions started to work the claim, and then canceled it because it was either incorrectly filed, or duplicately filed. I have been passed around from department to department, and the clock keeps restarting on this very simple matter. They should not have released funds when there was no endorsement. 

You can speak to the " Designated placeholder ''. XXXX, option XXXX, reference : XXXX.
Consumer complaint received 2022-08-01
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. (IL)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX BANK XXXX Balance : {$2700.00} ; XXXX BANK XXXXBalance XXXX {$2200.00}.
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (MI)

I have over XXXX credit being reported on my personal credit reports. I have tried numerous times to get them removed. I've even hired credit repair agencies, still those XXXX unauthorized credit inquiries remain on my report. I pray the XXXX can assist in clearing these fraudulent inquiries off of my report.
Consumer complaint received 2022-10-24
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX 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
Consumer complaint received 2022-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc. (FL)

This KIKOFF Lending LLC. is not a real company. I called their phone number XXXX back in XXXX to see what this charge is about. The phone went to a dream destination automated system. I filed a dispute with experian and they checked for me if this was a valid claim or not. For some reason this company mentioned it is but never sent any confirmation or letter on this matter to me. So I called them and they do not answer. I sent them an email and they stated the company is small and only one person is helping at the moment. Please help me stop this madness.
Consumer complaint received 2022-05-13
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. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has failed to properly validate this account and has slandered my personal credit profile. I sent them a letter XXXX XXXX in which they failed to respond with justifiable proof in the allotted time frame. At this point my rights have been violated and my personal credit profile slandered. According to these laws there's nothing more to discuss 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2018-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (NV)

My issues began back in XX/XX/2018 when I requested Selene Finance to  remove my MIP due to my LTV falling below the {$170000.00} value of my original loan amount of {$220000.00}, below the 77.6 % LTV per USHUD,  mortgage letter XXXX. I have purposely made large principal payments to increase my equity as I have never qualified under any of Obama 's Affordable Housing programs to reduce my interest rate from the high 6.375 % that I have been stuck with since the inception of this loan. The benefits were not provided to a working male XXXX who is not only a XXXX XXXX veteran, but I have also never missed a payment. My MIP was removed as my payment decreased, but I never received any letter from them stating the outcome or if I was due any refunds. In XX/XX/2018, I made another large principal payment and they applied it to escrow. I called and spoke with XXXX ext XXXX on XX/XX/18, who said she would submit the correction to her supervisor. I also advised her that I could no longer see my statement or amortization schedule online nor have I received it by mail. She was not aware why it was no longer available. She was to look into the issue for me. I called back on XX/XX/18 and spoke with XXXX who said it still hadn't been fixed and would submit it again to a supervisor. I asked for a statement and amortization to be sent as I want to validate my payments are being received an applied correctly. To date, I have not received any statement or amortization schedule validating that my payments have been applied correctly. Today, XX/XX/18, I called and spoke to a female customer service representative. I could not understand her name. She did not know what an amortization schedule was. She asked her supervisor about me not receiving any statements as well as the requested schedule. Her supervisor directed her to have me put my request in writing. I told the representative that I have requested my monthly statement and amortization schedule several times and should not have to put that request in writing for a statement that I should automatically receive. I told her I was going to submit a complaint to the CFPB and she didn't even know who of your agency as well. I feel that Selene is purposely punishing me for paying extra principal payments due to them losing out on interest. This is an egregious act on their part to injure me by hiding how they are applying my payments. I am reaching out to you the CFPB in hopes that you can assist me in getting to the bottom of this.

I am hoping you can get Selene to provide me with the following : Monthly statements mailed to me without me having to request them each month My amortization schedule available to me when requested A copy of my original loan documents.