davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( CXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, BXXXX XXXX  XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-07-11
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have just received a response from Capital One regarding an alleged account ending in XXXX ( CFPB Complaint Number XXXX ), wherein Capital One has claimed I still owe a balance and has ignored my demands to see the contract I signed to open such account. 

I will be clear in stating I have never opened an account with Capital One, any account, as I never sign contracts of a financial nature, and of the nature Capital One alleges I have done. 

I did receive Capital One 's " Fraud Affidavits ''. And as I have told the Capital One representative when I called in to speak about this alleged account regarding this, I am not the party needing to provide proof here. I do not contract online, so I am demanding proof and to be able to view the contract, with my signature thereon, agreeing to this contract Capital One alleges I have opened. 

I will not fill out paperwork giving up my personal, sensitive information and identification. Capital One is in no place to make demands from a contract that is void ab initio.

Show me said proof of this debt, or there is no such debt.
Consumer complaint received 2022-07-11
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (CA)

I purchased a Google Play Gift Card from a seller on an online marketplace ( XXXX ). I have purchased numerous codes from other users and redeemed without issue. Lately ( XX/XX/2019 to the present XX/XX/XXXX ), Google has been requesting info and images ( picture of the card, picture of the receipt and proof of residence ) before the code can be redeemed. This is being done in attempt to prevent scammers and fraud activity. I have very little issue with this process should I receive a timely response. However, various attempts to resolve via Google 's process has resulted in zero response from whatever specialist team is assigned to investigate these claims. There are also no escalation channels available. Any contact made via Google 's intended channels is a dead end, resulting in the canned response of " nothing we can do until the specialist team responds. '' Therefore any money spent on these cards/codes is essentially held ransom ( essentially theft ). This is an absurd process that Google has no legitimate response to. With all the intelligence that accumulates at a company ( which data mines all their user base ), one would think a more streamlined process could be created.
Consumer complaint received 2021-12-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On XX/XX/XXXX a XXXX unauthorized transaction for {$270.00} was posted on XX/XX/XXXX to my BOA credit card account. I discovered this fraudulent non-approved charge on XX/XX/XXXX and reported it immediately to Bank of America and had the card number locked to prevent any additional fraud from occurring. I received a message on XXXX stating the claim was resolved, credit was place on the account and I would be notified of any changes. 

After reporting this message of resolution, I received no additional communication from Bank of America. I assumed that like all major credit cards and like the previous correspondence stated, if changes or additional documentation was requested I would receive notification by either phone, mobile platform, or US mail. No subsequent notification from BOA was received. On checking my transaction history on XXXX, I noticed that the fraudulent charges for {$270.00} was reposted to my balance on XX/XX/XXXX. Additionally there was a BAL ADJ/ also added an additional {$270.00} charge on my account posted the same day ( XX/XX/XXXX ). This is {$540.00} in charges added to the balance with zero explanation or documentation. 

I called customer service, relaying the above information. The BOA rep ( I do not recall their name ) inform me that my card was used on XXXX and I received a package that was purchased from XXXX. After being placed on hold for around XXXX minutes, this BOA told me to call XXXX and resolve this issue. 

I had to end the conversation due to other obligations, but the BOA rep asked me to send ( in writing ) description of what happened along with my XXXX purchase history. 
Here is my problem : 1 ) I didnt authorize {$270.00} on XX/XX/XXXX and thus I reported as fraudulent 2 ) I dont have a XXXX account so was unsure what the Rep was talking about 3 ) I dont have an XXXX account so I have no documentation to send 4 ) I received nothing from XXXX because I dont purchase from XXXX. 

Again, the charges placed for {$270.00} on XX/XX/XXXX are fraudulent. I, nor my authorized users authorized this charge, and I asking that these charges be removed from my account fully. Additionally, the BAL ADJ/ charge of {$270.00} ( dated XX/XX/XXXX ) is also not authorized, and thus should be removed. Since I dont recognize the origin of the BAL ADJ/ transaction for XXXX on XX/XX/XXXX, I am officially requesting the BAL ADJ/ should to be removed from the account. 

The BOA rep was unable to help be resolve any of these fraud cases, and continued to state that I had ordered an item from XXXX which is not true.
Consumer complaint received 2021-08-04
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. (AZ)

XXXX XXXX has a Pre-Qualifying tool online that advertises that you can prequalify without affecting your credit score. Unfortunately for me, I was using this tool for over 1 year. I pulled my credit report recently and noticed I had several inquiries on my report from XXXX XXXX from using their qualifications tool. I contacted XXXX  XXXX with my concerns and was told maybe l used the tool incorrectly. It is impossible for anyone to use this tool incorrectly. When prequalifying, you must enter your information into the fields presented. This tool will then populate what you are qualified for. Once qualified, you select the card and then you select Apply. Unfortunately for me, I was only prequalified for the secured card which I accepted on XX/XX/2021. Each time my score goes up, I always try again but still only qualify for the secured. My issue is all these inquiries that are not supposed to be on my report is appearing when its not supposed to affect your credit score. These inquiries need to be removed because this is real bad practice
Consumer complaint received 2022-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (CT)

I have always made my due payments on or ahead of time. I had fees on the account that I did not understand and called UAS, the loan servicer. After multiple attempts of holding and them dropping the call mid conversation I was unable to resolve the issue. 
I went online to make my minimum payement, but the website would not process my payement. I called again to speak to customer service and they did the same thing, on hold for twenty or so minutes and once I got connected the rep dropped the call. 

They reported me for 30 days delayed payement and ruined my credit score. I paid the amount due and they still have not wiped the incorrect reporting off my credit report, for something that it their own fault. I still have not been able to understand the charges that I was worried about.
Consumer complaint received 2021-12-08
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. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-09-28
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: PENTAGON FEDERAL CREDIT UNION (SC)

On XX/XX/2019 a hard inquiry from XXXX XXXX appeared on my credit report. I called the company on XX/XX/2019 to ensure that no fradulent accounts had been opened in my name and to request that the inquiry that I did not authorize be removed. The individual I spoke with on the phone assured me that there would be no problem doing that and no further action would be required on my part. To this day the inquiry that I did not authorize still remains on my report. On XX/XX/2019 another inquiry appeared from Penfed. I had never heard of this institution before that time so I called to be sure that no fradulent accounts had been opened using my name. After speaking to an individual from Penfed I was informed that a fradulent account had been opened in my name with the incorrect social security number and that it would be closed immediately. I also ask to have the hard inquiry to be removed but was informed that I would need to authorize Penfed look at my credit report, creating yet another hard inquiry, in order for them to remove the original that should not be there in the first place. Several days later a welcome packet arrived in the mail from Penfed informing me of my new account. I sent an email to this institution on XX/XX/2019 to ensure that the fradulent account had been closed and to request that the hard inquiry that I did not authorize be removed from my report once again. A response was sent on the same day informing me that the account was indeed closed on the XXXX of XXXX when I placed the first phone call but I was told again that in order for them to remove the hard inquiry, that is on my report due to their mistake, I would need to authorize them to run my report or I could pull and submit a full copy of my credit report with the errors highlighted. I responded to this email on XX/XX/2019 inquiring as to why I should authorize something that seems so counterintuitive or mail such sensitive information to a company who has allowed a fradulent account to be opened so easily. As of this moment, I have yet to receive a respone to this email. I understand that hard inquiries stay on my report for a period of time before being removed, however, I feel that these extra hard inquires have brought my credit down and hurt my chances at getting a business and/or home loan in the near future. I also feel that, regardless of how long hard inquires stay on my report or who they are shared with, they should be removed immediately since they were not authorized.
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY ()

At the end of XXXX my previous debit card expired. I have lived in XXXX for many years and have received four debit cards here through XXXX. When the new card didnt arrive I made calls and sent e-mails inquiring about the card and was told that the reply might be slow. That was perfectly understandable because the covid emergency had just begun. Finally in XXXX of this year 2021 the new card was sent to my home address here in XXXXWhen I tried to activate the card on line my old pin number which has never changed was not accepted. Previously the new cards were activated with the same old pin number. This time it wasnt accepted for some reason. When I reported that they told me the card was activated but when I tried to use it at an ATM it wasnt accepted. Since XXXX I have constantly called and e-mailed the bank for a resolution of the problem but with no results. Renewing a debit card should be very routine.
Consumer complaint received 2022-07-14
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)

When I checked my CFPB Complaints # XXXX, XXXX, and XXXX, I realized that you have closed my complaints last XX/XX/22. I am resubmitting my complaint again today to inform you that the XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC (ID)

My mortgage account with United Wholesale Mortgage was paid in full on XX/XX/2020. It is now the middle of XXXX and the account shows that we still have an outstanding balance. I started calling United Wholesale Mortgage at the beginning of XXXX along with filing credit disputes with the 3 Major Credit Bureaus. United Wholesale Mortgage will not answer any of the Credit Bureaus and they keep telling me they " are looking into my case ''. They acknowledge the error but have yet to report the balance paid in full. I have called every day since XX/XX/XXXX and keep being told It will be solved in the next couple of business days. Yet here I am again 2 weeks later and it is still not resolved.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood, Robinhood Markets , Inc. is denying me to access my state and federal tax return. They are not giving me my stock dividends ( missing months due to the dividends vanishing ). They will not give me access to my account or simply close my account. They are requesting front and back pictures of my social security card and front and back pictures of my drivers license. Both of what they have received and I was told after recieveing that, my account will be accessible. Now, Robinhood is demanding bank account statements back to 2019, 3 pictures of my face ( left side, right side, front ), proof of where I live, where I make my money, proof of residency, and more. I have spoken to numerous Robinhood representatives whose names are XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and others yet no one has helped me resolve this issue. I am being sent around in circles with no true help. I already had a case open with my email but since it was not listed under my Robinhood account they could not truly help me. So now, this complaint is for further investigation between my issues with Robinhood. It has been 3 months and my account is still frozen.