davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank has violated my federally protected consumer rights under section 15 USC 1681 states I have the right to privacy. 15 USC 1681 602a states a furnisher can not furnish and account or personal information without my written instructions. I didnt give Citizens Bank written instructions to furnish my account and personal information to XXXX XXXX I have disputed these federally protected consumer laws with respect to this item on my XXXX consumer report with Citizens Bank multiple times within the last six months with no response from Citizens Bank. Citizens Bank continue to violate the FCRA law and my federally protected consumer rights under the laws I have stated. According to the FCRA these violations can result in monetary damages of a {$1000.00} for each violation. I am also requesting that Citizens Bank pay me {$1000.00} for each FCRA violation with this dispute after multiple attempts to resolve this issue with no response from Citizens Bank.
Consumer complaint received 2016-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ProCollect, Inc. (TX)

I called to try to settled a debt collection with the agency. The first lady name was XXXX XXXX. She was extremely rude and would not let me make a payment. She talked down to me, had an attitude, talked over me while I was asking questions, and she also hung up in my faced. I called a second time and asked to speak to someone else. The XXXX lady was even more rude and had an attitude and also hung up in my face. I ended up calling a total of 7 times and still received horrible service and still did not get to make a payment. They would not give me a new agent to handle my account and basically thought it was funny. I 'm appalled and feel very disrespected because I sincerely was trying to make a payment to get it resolved and they refused to accept the amount I was willing and able to make today and told me that I could not pay anything under {$1000.00}. It was a horrible and frustrating experience that resulting in me not being helped.
Consumer complaint received 2022-07-17
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: Credit Bureau Systems, Inc., Paducah, KY Branch (TN)

I have accounts in collections with inaccurate information reporting, Please send verification or agreement stating the transaction or buisness weve done together. If can not provide accurate legal statements please remove within the legal time frame.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery calls me often. They know that I am aware of my debt as I have talked to them and I make a monthly payment to them. I make my monthly payments around the same date every single month. I do not miss any of them. They still try to contact me about my debt because I am not on a payment plan. I do not wish to set up a payment plan. The reason I don't want to set a payment plan is because it requires automatic deduction out of my checking account, which an auto deduct is not a problem, but their auto deduction never pulls the money out of my account, then I have to leave my desk at work, make a phone call, cancel my plan, reset a new one, etc., etc. and this would happen every month, so, I am not going to put myself through that hassle when I can just make my payment on my own with no problems or complications. I am doing everything I can to get my debt with them paid off. They do not need to call me anymore.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

on XX/XX/2020 I have submitted my second round of dispute letters regarding inaccuracies pertaining to late payments on the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and the Department of Education/XXXX accounts, additionally my name and addresses are incorrect on my report as well as my current employer ( Should say XXXX XXXX, I have submitted this information to all three credit agencies, XXXX, XXXX and Transunion they continue to publish my name spelled wrong, incorrect addresses as well as unauthorized credit inquiries and late payments. I would like them removed as they are not accurate and are having a negative impact on my score.
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Kikoff Inc. (GA)

I had a prepaid card with Kikoff. They are showing an alleged {$6.00} pending balance on the account that is not mine. They have also reported my account as delinquent to the credit bureaus repeatedly because of this and have charged off my account since 2022. This has damaged my credit standing. Kikoff needs update this information to show a XXXX balance on this account and delete the alleged late notations and any reference to a chargeoff from my credit report immediately.
Consumer complaint received 2021-11-04
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. (TX)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting a complaint against TransUnion regarding their repeated failure to adequately address my dispute letters regarding inaccurate items on my credit report. I sent these dispute letters on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In each dispute letter, I included copies of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. 

However, I received identical responses from TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, stating that they couldn't process my requests as it didn't appear that they were sent directly by me or an authorized third party. This consistent failure to properly investigate my disputes violates the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this complaint are copies of all my dispute letters sent to TransUnion, along with their responses, as evidence of my repeated attempts to resolve this matter.
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

The bankorp Chime let and unauthorized transaction go through even after I report it to be a fraudulent transaction. I disputed the charges and the denied it. The transactions started at XXXX XXXX  al the way to XXXXtotal amount of XXXX dollars got taken away from my account. I filed a police report and reopened the case.
Consumer complaint received 2020-05-28
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. (OH)

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX, OH XXXX
Consumer complaint received 2018-03-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I am a XXXX veteran and my wife were in need of a home equity loan and applied with a credit union that represented military families. We later determined that the amount of payments at {$690.00} paid on time monthly, had Not reduced the balance of the loan down after approximately a year? It was discovered that our interest rate at the time of the loan was quite higher than expected. We contacted the lending institution, in attempt to negotiate the interest to a much lower rate and were unsuccessful. We continued paying on the loan more years. This became frustrating that we now were forced into a loan without a fair opportunity to get the interest payments lower to accommodate our finances, as my health was deteriorating more from service in the military and the interest rates were much lower at the current bank loans. I was forced to work with this health condition. It was approximately 4 yrs later that we finally were able to get another bank to refinance the loan to pay off the previous bank, at a very much lower & fair interest rate. However, the payoff was still near the balance of the loan amount borrowed when it was paid off? So basically we were in a loan borrowing {$50000.00} with finance charges of {$74000.00}, totaling after 15 years. A total payment amount of {$120000.00} with the interest rate at 14.750 %. 
This is totally not right? Especially to our military families and seems to me PREDATORY practices when they refused to allow a refinance at the much lower rate. Informing us that that type of loan was ineligible for refinancing. I am in hopes that I have filed my complaint with the correct office to look into this and look forward to hearing some soon. Thanking you in advance in your assistance with this matter.
Consumer complaint received 2023-05-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (WI)

I have had this loan for several years now and it has been in forbearance due to me being in school for XXXX as well as XXXX program. They have continually tried to charge me causing late payments and missed payments that have wrecked my credit score despite it being in forbearance during that period. Now that I am no longer in school I have began making the payments yet they continually keep reporting it as missed and late payments on my credit report. I have talked to them several times and they agreed to remove the prior missed and late payments but never have removed them and are difficult to speak with through customer service as they just bounce your call around. Including they have harassed family members of mine that have nothing to do with account. 

They also have inaccuracies between separate credit reports that depict different amount of alleged missed or late payments which I do not understand considering it is one account.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Experian REFUSES to remove inaccurate information on bankruptcy. This item is still being reported incorrectly and is extremely detrimental to me. This has caused me emotional and financial hardship because Experian does not want to act in accordance with the Fair Credit Reporting Act, Section 1681i.

I have requested that the inaccurate information of : 1. Chapter XXXX BK-XXXX  be verified by including : 1. Names of individuals you contacted for verification 2. Their addresses 3. Phone number I need to have this certification so that I can check it as well.

If Experian can not furnish those items requested then they must remove according to the law.
Consumer complaint received 2020-05-28
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. (OH)

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX  XXXX, OH XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-13
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (MO)

I went this auto shop on XXXX  to purchase a XXXX XXXX XXXX the check engine light comes on and another light i been notified XXXX XXXX i been notified the owner i originally went to help XXXX XXXX with his landscaping company in which he registered at XXXX XXXX under XXXX XXXX XXXX option and they probably gave him a debit card of XXXX or something like that where he could start a loan company under this bank. Now this same person came to me and got {$600.00} cash told me he would give me {$900.00} plus pay ticket if got stopped by police i got stopped right by XXXX XXXX on XXXX  of the day of court he told me he would give me my money i called no reply from him about my money i dont want his lawn mower or trimmer for cause it is no where near what i gave him period. He is a swindler thief and i want my money he owes me out his chase account this money i gave him was money for my vehicle to be registered with dmv he never gave me not a penny of my money back period this fake person is not welcome in Nothing of mines with government nor anybody thats like him. Him and XXXX XXXX think they slick and probably XXXX XXXX  they been stealing how are these people getting jobs at Banks and taking people money this same lady i used to give money to turned around and bite the hand that helped her i did nothing to this lady her and XXXX XXXX  is wicked. And i think they are doing this under XXXX  XXXX  XXXX XXXX  etc. When most of these banks like XXXX XXXX  are connected to places marketing companies that are slave holder like XXXX the prophet noble XXXX XXXX said if u aint carefully your brother will try and keep you in slavery XXXX XXXX  acts like that type brother people that mooch off people act like that rich people get rich off poor people that is slave wages and unions loan shark XXXX XXXX is a crook give him a fdic federal case of loaning money from me and not paying it back from chase like suppose give him a federal case and see if like it cause he playing with my money and got me in trouble. I reported him to fbi already. XXXX XXXX robbery is what im calling his charge.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc. (TX)

I've been trying to get my information updated and correct as far a my address is concerned and in getting nowhere with these companies. I'm enclosing my identification and social so that this information be accurate and up to date on all of my consumer reports. The only address that's valid up to date, and accurate is the address in my drivers license. None others are mine or have belonged to methat should be on any consider report is the address on my drivers license. The other address pictures below should be removed as well as any other addresses on my record. They do not and have not belonged to me
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MI)

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I applied for prepaid credit card back in XXXX ( XXXX  prepaid credit card ). I add the amount of {$300.00}. I didn't use the card at all. this company failded to send me any statment and also never answer their phone calls. i found out about fraud acitivities on my account, i tried many times to call them. they never answer or calls back, until I emailed them on XX/XX/XXXX about those activities. so Issue me back a provisinal credit until they are done with investigation. meanwile i requested to close my prepaid credit card and issue me an new one with new nember. they failed to do that, new card never issued. 2 months later they reported to the credit bureau late payment. I email them and asked for supervisor to call me. after many many request a supervisor did call to inform me that the investigation couldn't come back with anything because those fraud acitivies happened 6 months ago. and u have to pay. i said ok i will pay since the amount wasn't big {$47.00}. and i asked why you repoted me as late payment while those acitivity where investigation? 
he said that there is nothing can be done. that's the policy. I told him i'm very dispointed and not happy with this compnay and i would like to close my account and get back my prepaid money. it took them another 2 months to close my account and they still reported me as late payment even though I paid the balance that was under investigation of transaction that i never made. now the company doesn't exist anymore another company bought it. and I'm stack with that negative item in my credit report. 
please read the reviews about XXXX  from other consumer. they are a fraud
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I had disputed a credit account in XXXX regarding a credit card account. The dispute updated the information but the Credit reporting agency continued to report the inaccurate information. I had called them to get access to my online account which continues to be unsuccessful to once again dispute the information that they have verified and updated ( which they confirmed over the phone today XX/XX/XXXX by representative XXXX ). I told them I had already submitted a dispute and their company continued to furnish incorrect data after they did the original dispute in XXXX. They told me they would again try to dispute the information with the furnisher and I told them their company had already disputed this and continued to report inaccurately after the verification occurred and at this point I want the inaccurate information removed. I have bank statements that prove that the information was and is still being reported inaccurately.