davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc. (TX)

We opened an account with conns and when we received our payment book we noticed errors. We then went back to the store and they re-did the account fixing the mistake and then sent us another payment book with the correct amount but, the first account was supposed to be deleted and never was. We are up to date on the current account but they wont delete the first faulty account. My credit is spotless other than this. We have called numerous times to try and rectify this problem but each time they say this is accurate when its not.
Consumer complaint received 2022-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Revenue Systems, Inc. (NJ)

I have been a victim of identity theft on several occasions and these criminals have opened bank accounts under my name as well as stole my unemployment and applied for credit cards and ran up tens of thousands in unpaid medical bills. I had did a police report as well as a ftc report. This company is calling me harassing me for a debt that is not mine and they are persistent. They don't care if its valid or not they just want money. I have attempted to get a new SSN but they refused.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

has limited my paypal account permanently.Although I reported that my products were delivered and I was ready to provide the necessary evidence, they did not help. 
it is terrible that they behave so biased and irresponsible I would like to report that I am negatively affected by this situation. 
my email linked to my paypal is XXXX XXXX
Consumer complaint received 2022-09-17
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. (NC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

After completing my taxes through XXXX, I opted in to receive my tax refund on a debit card issued by Credit Karma. The advertisement was for 2 features, an advance on your tax refund up to a certain amount, and that you get your refund deposited 5 days early. 

I have received my refund from fed and state, and was expecting to use this to pay a mechanic who only takes cash. When going to withdraw the money, I am hit with the limits in the attached screenshot below. 

These limits are making it impossible for me to withdraw all of my funds and close my account. I would have to go to the atm 7 days in a row or complete 4 bank transfers, each 24 hours apart, just to get the funds that are mine. 

I reached out to Credit Karma support chat and was told they would not increase my limit. I told them this is unacceptable and if they wont increase my limit to send me a check with the funds and close my account. I was told Id need to call in to escalate the case, in which I called 3 times, waiting for an hour on hold with no answer, then 3 hours on hold with no answer, and then 30 minutes on hold the 3rd time I called. 

This is unacceptable and if I would have been made aware of the limit I would not have opted in. The whole purpose of this was to get my refund early and now I will not have access to the funds until well after when I would have received the cash through regular XXXX XXXX in my bank. They have shown no effort to remedy the situation and the second support chat I had, I spoke with somebody extremely unprofessional whos response was Have a nice day when I asked to have my account closed.
Consumer complaint received 2023-12-21
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

Equifax credit reporting agency is reporting inaccurate information on my credit report. 
The account in question is XXXX XXXX. When I question the reporting of this account equifax responded that the account was valid and accurate which is incorrect. The amount is not correct and is causing me to be denied credit. Due to the fact that Equifax is not reporting XXXX XXXX accurately, I would like Equifax to immediately cease reporting this account.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

Dear Sirs : Related to COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. 

I would need additional information as XXXX  answered on XXXX ( after this complaint was closed ) the following statements : " To clarify what took place, on XX/XX/XXXX, XXXX received notification from XXXX XXXX financial institution, which was the financial institution associated with the Visa card that was used for AutoPay, that he requested to chargeback {$260.00} in payments previously remitted to XXXX. '' " it was a chargeback that we created to bring the returned payment of {$170.00} and {$94.00} combined total to {$260.00} as this is the amount charged back by XXXX XXXX financial institution ''. 

" it was XXXX XXXX financial institution associated with the VISA card he used for XXXX '' As I never disputed any XXXX charge to my financial institution ( Chase Bank ) , but first XXXX stated that Chase Bank did not pay to them, and now after the bank answered then XXXX clarifies stating that it was not a lack of payment but instead a dispute or refund, I would like Chase Bank to answer the following : i ) If Chase Bank sent a notification to XXXX saying that I have disputed a XXXX charge, or saying that I requested a charge back {$260.00} in payments previously remitted to XXXX 

ii ) If Chase Bank charged back to XXXX {$260.00} in payments previously remitted to XXXX regarding my account and/or the Visa card XXXX I used for Autopay. 

iii ) If Chase bank credited on my account a reversed or disputed XXXX payment for USD XXXX on or around date XXXX See Attached - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX ( received on XXXX ). 
- XXXX XXXX XXXX dated XXXX. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you, XXXX
Consumer complaint received 2023-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (IL)

On XX/XX/2023, I obtained a personal loan from CItibank, where I have a credit card. One of the features of obtaining this loan that appealed to me and factored into my decision to commit to the loan was the ability to access my loan account information and make payments online. After I committed to this loan, I received an email saying that my loan account information would be visible on my " account dashboard '' when I log into my credit card online account. This information is not available in my online account dashboard for any account. 

I still do not have any type of online access to my account information or any ways to make payments online. I called Citibank on XX/XX/2023. The customer service agent said that Citibank was having problems setting up online access to accounts that have 11-digit account numbers, and my account had 11 digits. The agent told me this problem was ongoing since XXXX of this same year, but that he hoped and expected that the situation would be resolved within 24-48 hours.

After 48 hours, I called CItibank again on XX/XX/2023 and was told that this is an ongoing situation and they have no estimate of how long it might take to fix.
Consumer complaint received 2020-06-25
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. (NV)

In 2018, I began disputing this date. Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX. I have requested proof of validation. So far, none of the companies have been able to provide such proof. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian & XXXX no longer respond, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. XXXX XXXX with XXXX, Experian and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the XXXX XXXX XXXX to input codes is not sufficient verification.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc. (IL)

I had a loan with XXXX in the amount of XXXX. However only XXXX cash was received by myself and the rest was placed in a XXXX  holding account. The account went into arrears in XXXX due to an identity theft issue. XXXX was sold and my account transferred to XXXX ( XXXXXXXX XXXX XXXX XXXX  ). I never received any type of notifications or mailings that the account was transferred or any notice of balance due or any notification that would have allowed me to dispute the debt or have it verified. I did move in XXXX of XXXX but the USPS did have an address change on file so mailings should have been received. 
My credit report has this debt posted without proper verification of the debt. My credit report also indicates 17 missed payments to XXXX. However I never knew about XXXX  involvement so I had no payment arrangements made. 
I called XXXX and found out the debt was transferred to XXXX XXXX XXXX so XXXX  no longer holds the debt but is still reporting missed payments. I also never received any notice that the debt was transferred. 
I havee settled the debt with XXXX XXXX.
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (IL)

ATTN XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-04-30
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. (AR)

For the past few months, I have been in contact with all of the credit bureaus due to me becoming a victim of identity theft. XXXX  and XXXX  has since responded and removed majority of the fraudulent accounts. Transunion on the other hand has not responded with accurate verification. Accounts XXXX XXXX, XXXX, and XXXX  XXXX XXXX   still remain on my Transunion report. I have included several pieces of supporting documentation which included a copy of my Federal Trade Commission report. I also requested for fraudulent addresses, names, and other personal information to be updated and corrected. I never have been associated or received any money, goods, or services in relation to the fraudulent accounts mentioned above and I have taken specific measures on my part to have them removed. As part of the Fair Credit Reporting Act sections 605b, 609, and 611 Transunion must be held accountable and remove the fraudulent accounts in question.
Consumer complaint received 2021-06-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Dear Credit Bureau, After checking my credit report with your company, I am notifying you that you need to update the account number of ( XXXX ) with the account name XXXX XXXX XXXX XXXX that the creditor is no longer a derogatory status that you are reporting. 

? = Data Point is QUESTIONABLE in its reporting I = Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of Metro 2 Five points of compliance! 
M = Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely Information that SHOULDVE BEEN adequately reported! 
U = Data Point is else wise UNPROVEN. as reported! Undocumented claims can NOT be assumed valid nor compliantly report. 

I ask that you contact the creditor of XXXX XXXX XXXX and get my paying history corrected ASAP as its causing me issues with my credit score. Send me an updated credit report with 15 days when correction has been applied. My address is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX ). 

Thank you for your attention,
Consumer complaint received 2021-04-05
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: WELLS FARGO & COMPANY (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX. XXXX, 2020 XXXX XXXX XXXX XXXX. XXXX, 2020 WELLS FARGO DEALER XXXX XXXX. XXXX, 2020
Consumer complaint received 2020-04-29
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. (TX)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME : XXXX XXXX XXXX. 
OPENED : XX/XX/14 AMT. XXXX I HAVE PROVIDED THEM WITH A POLICE REPORT AND ID THEFT REPORT, THE SAME ONE I AM UPLOADING TO YOU.
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (FL)

The credit bureau still have inquiries on my report that do no belong to me. I sent in the documents that they asked me to send in. They told me the process would take 72 hours. This was 18 days ago. I called and I resent the required documents. They confirmed receiving them. They are still showing. I was told that the items would be removed after I sent them the required information. 
These need to be removed 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, EQUIFAX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (TX)

Received a Brinks Netspend Prepaid card saying I have previously been their customer - which I have not ( as of the writing of this I will be XXXX  tomorrow XXXX and have never had nor opened any prepaid card ).
Consumer complaint received 2024-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

On XX/XX/year> I attempted to make a payment to XXXX in the amount of {$5100.00} to completely pay off XXXX of my student loans. Immediately after, I was emailed the receipt for the payment of {$5100.00}. On XX/XX/XXXX, the transaction processed and the {$5100.00} was taken out of my bank account. Despite the correct amount leaving my bank account, only XXXX loan of {$1800.00} was paid off. It does not say on the website that the rest of the payments are pending, only that the payment of {$1800.00} was successful. It has left me confused as I have no information on where the remaining {$3200.00} has gone.
Consumer complaint received 2022-07-18
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$550.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
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. (MI)

XXXX XXXX BALANCE : {$1200.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX XXXX  BALANCE : {$820.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1000.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX SEND IN DISPUTES TO THE CREDIT BUREAU AND STILL NOT HAVE NOT RECEIVED A RESPONSE
Consumer complaint received 2022-02-02
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. (TX)

On XX/XX/2022 I wrote Experian to inform them of inaccurate information on my credit on my consumer credit file. This is my second time disputing these egregious items on my credit file. Under the FCRA I am a federally protected consumer assuming this company can not give me unquestionable evidence of these accounts they must be removed immediately.
Consumer complaint received 2022-11-18
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. (FL)

To whomever it may concern, The actions of XXXX Bank and the various agencies that have refused to address this manner are acting against Fair Credit Reporting Laws. I am attaching additional documentation for my communications with XXXX Bank. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and XXXX Bank has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with XXXX Bank, as well as the previous dispute.
Consumer complaint received 2022-09-20
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. (GA)

Credit report shows a previous address of XXXX XXXX XXXX XXXX Ga. I have never in my entire life lived at this address. My current address is XXXX XXXX XXXX XXXX. Transunion and XXXX are unable to get this correct. I have sent proof of my address as well. Along with this they are not allowing me to dispute my credit reports as Im allowed under federal law. I am a retired XXXX XXXX. If you can help me with this I would be grateful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX