davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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. (CT)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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. (AL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-08
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. (NY)

XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act Section 15 USC 1681 ( b ) ( e ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report.
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (PA)

On XX/XX/2019 The state of Pennsylvania deposited my state refund in the amount of XXXX..I had not touch this money..On XX/XX/2019. I was on my way to get blood work and I started to receive text alerts telling me someone was withdrawing money from my account in a different state.I instantly checked my purse and I had my debit card on me so I called Netspend and notified them.The lady I talked to lock the account and Informed me they stole {$910.00} she advised me to go get a new card so she can transfer the remaining XXXX to the new card which I did and because I had a XXXX block on the account she could not do it so she advised me to go to the ATM machine And with drawl the money which it would not let me do either because the account was locked and it was over the daily limit so she hung up on me.I called back and spoke to another lady who unlock the account and let me retrieve my money she also ordered me a new card and charged me {$25.00} and while she was on the phone she disputed all five transactions. I asked for the address where this was happening at and it was five hours away so I googled the address and it came back to a XXXX store which I called and the gentleman was very nice and said he would review the cameras and call me back .The gentleman called me back about 30 minutes later and said he reviewed the tapes within that hour and no one use that ATM in that store as I was still on the phone with Netspend I advise them what he said and they had no explanation how someone could withdraw my money without my card .. at first they told me the investigation would take 10 days and to submit documents online which I did now theyre telling me 45 days all I want is my money back So I can close this account and take my business elsewhere..I feel defeated because this company does not offer no help and I do not know where to turn..I have contacted the XXXX XXXX XXXX As well as the federal trade commission
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I never received a XX/XX/XXXX statement so when I got my XX/XX/XXXX statement i called to see what they would do about the fees. They claimed they could only refund the immediate interest fee ( {$2.00} ). I  immediately went on line and paid my bill through THEIR website on XX/XX/2019 ( Transaction # XXXX OR XXXX ). 
I found out a week or so later that the payment HAD NOT BEEN MADE! I called back - their claim was that I had not signed the check.???? How can that be ...? I used THEIR website and paid like I have done many times before? THEY THEN CHARGED ME A RETURNED CHECK FEE? When I found out I called the Representative back again and gave my banking info to the Representative and made another payment from a different bank at that time. 
Then after I had made the payment over the phone I was locked out of the online account I have for this card because of " Account status '' That's nuts, I had paid the account!!!!! 
This whole experience has been a cluster. 
PLEASE STAY AWAY FROM THIS COMPANY FOR YOUR OWN SANITY.
Consumer complaint received 2019-02-17
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: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I received a bill from a collection agency in the mail today. I thought it was bogus bc I've never heard of or had any affiliation with the companies listed on the letter. I called no one answered. The realty company ( XXXX XXXX ) that was listed as the creditor answered the phone and told me they were across the country and had no facilities anywhere near where I live. I then pulled a credit report and there have been numerous hard/soft inquiries from various rental companies and power companies ranging from the east to west coat that are fraudulent dating back since XX/XX/2018.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I changed my name legally XX/XX/XXXX, got married XX/XX/XXXX, and moved XX/XX/XXXX - I called all 3 credit bureaus XX/XX/XXXX to confirm my name and address was correct & all 3 told it was ... fastforward to XX/XX/XXXX & my mortgage lender says their request for my credit score came back as fraudulent from Equifax. 
I called Equifax 's customer care number on XX/XX/XXXX about getting my name and address updated & was directed to email, fax, or mail my Driver 's License & Social Security Card so that I could make sure there's no additional freeze or block & advise my mortgage lender to pull my credit score from Equifax again. I sent this via email & received " The reference number for this inquiry is Case #  XXXX. We have received your inquiry and are working diligently to process it. However, due to higher-than-normal email volume, there may be a slight delay in our response time. '' I called back XX/XX/XXXX and was told that they still need my documents, email is not a sufficient method of submission, and they don't have access to customer.care@equifax.com even though it was provided to me, also that my case # didn't help them with absolutely anything. They insisted I fax it, 10 attempts were all busy & failed. I called back and was provided the mailing address so now I have sent it that way too. On XXXX I got an email saying " I would like to inform you that your request has been completed '' I called the customer care number again and was told to resubmit my documents. I wrote a lengthy email back asking what I am supposed to do to actually get it completed. I was told it was being forwarded to the correct department & on XXXX received another confirmation that it was complete. I called customer care a 4th time to be told to resubmit my documents ... XXXX I was asked to provide court documents so I did & XX/XX/XXXX I got another email that this was complete, I replied to ask that they check themselves whether my name and address are updated before I call and get really upset, they replied XX/XX/XXXX " Upon review, please allow 5-7 business days for your request to show as the correct information. '' Please help me, I am unable to get approved for a loan or first-time home buyer 's down payment assistance because my Equifax credit score will not pull. I am at their mercy, their customer care center is in a foreign country, and no one at Equifax will help no matter how I submit my information.
Consumer complaint received 2019-03-09
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. (NM)

Requested free annual credit and found issues with wrong addresses and miss spelled names I never used. I was able to request a fix with the first two credit reporting agencies XXXX XXXX and XXXX with little issues. However when I tried to fix on line with Experian I was given a 1800 number to call after I request the address to be corrected online. I Called the number and all they wanted me to do is buy another service once I told them I did not have a membership and was disputing information they were reporting .They placed me on hold and transferred me and I waited and then another person answered on to say she had to place me on hold and to transferred me this time I was over 45 min. Then another person picked up and I told her the same info and she also just wanted to transfer me. At this time I was frustrated and wanted to speak with a manager .When I requested a manager she transferred and then hung up on me. I tried three times to fix the miss leading information dealing with incompetence of Experian. I want my information corrected and I believe credit agencies need to be forced to provide better means of disputing issues on credit reports. This issue started by the usps mixing my father and me up and reporting that the information.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to ensure its accuracy. 
Please remove the following accounts from my credit file 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates of XXXX, VA are trying to collect a debt not owed with 1 of 3 accounts they have listed as my owing. The other two accounts are in dispute as of current. The account that is incorrect is Account Number : XXXX Account Balance : {$1400.00} Seller : XXXX XXXX XXXX Merchant : XXXX XXXX XXXX Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES , LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Open Date : XX/XX/XXXX ; This account should have been charged off and is not owed by me anymore since it is almost two decades old.The other two accounts are still in question and are referenced by the following : 1 ) Account Number : XXXX Account Balance : {$650.00} Seller : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX. 
Account Open Date : XX/XX/XXXX, and ; 2 ) Account Number : XXXX Account Balance : {$920.00} Seller : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, LLC Acquired on : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX 
Account Open Date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I have an issue with my credit report - I'm an victim of identify theft. So I placed a security freeze on my account. When attempting to call the them to have it removed -they all give me the run around and when I'm only asking to secure and unsecure. I'm in the process of applying for some things. However, it seems to be an issue with them wanting to life my information. Customer service is out of the country and when I ask for a supervisor there is nothing that they can do for me. Any one of the reps that I speak with can not assist me with what I need. My logon information has been jacked I have mailed my ID and other items so that they can fix the issue nothing has been resolved at the current moment. All I get is the run around when contacting them.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following address and the variation on my name are not accurate. My name is  XXXX XXXX XXXX, please delete all other variations.XXXX XXXX XXXX, XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, XXXX  XXXX. I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have an account with 5/3rd bank in Florida for XXXX XXXX  when we are there XXXX - XXXX  XXXX. XX/XX/XXXX I opened the account online to realize a {$250.00} XXXX withdrawal was made on XX/XX/XXXX by a person we do not know, printed, signed and having my account # write on it. I immediately called the Florida branch to report. First thought by them was a clerical error, let me check and will call you right back. A few minutes later I got a call back saying my husband XXXX, was there and showed ID, flat out lie. We don't use that account past XXXX. I asked how he acquired this information, by cameras?? He could not answer that. I was concerned what other personal information does this person have about me. The clerk sent me to the disputes department. First thing they said was the transaction happened over XXXX days ago. My reply, so you don't care money is passed out of your bank without proper ID?? They finally agreed to do a dispute. XXXX days later I received a letter by mail declining my dispute due to the XXXX  day expiration time. I called again to the branch and pleaded my case and again got sent to the disputes dept. This time it took over XXXX  days to get the same decline letter. I finally got the branch in Ohio where this all had happened and got a person there willing to help me. It took XXXX XXXX months of fighting to get my money back for a bank error. I still have no explanation how it all happened in the first place. I did file a police report which is still under investigation. I have never had such poor customer service with a bank or their lack of concern of an error made by them without proper ID.
Consumer complaint received 2024-10-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC (TX)

My contract by XXXX solar has been nullified due to the agreements listed in my contract. That state if titan goes bankrupt or fails too address warranty and or install issues. That contract is too be terminated. I paid for multiple warranties. Including a XXXX  year warranty. And a separate several year warranty on the other installs. Paid for through the same contract. XXXX solar went bankrupt and is no longer in business. 

XXXX improperly out of code endangered my life. Failing to install a gas line proper and legally. And failed too address this issue. I could not turn on the gas until I paid additional thousands to bring things too code. 

I took pictures and saved documents. 

As on the same contract I was charged for XXXX. But the work was not performed as I was left with XXXX gaping holes in my ducts that were just left open into my attic space. When the point of aeroseal is too seal and pressurize ducts according too energy star practices on aeroseal. XXXX has never fixed anything they failed to do properly the first round. Costing me XXXX of thousands in dollars in repairs and untold stress. And potentially health issues due to the myriad of other issues XXXX and googleap have both left me with. 

Goodleap was informed back in XXXX and now it's been over a month and XXXX movement. 

But they are charging me for services not rendered too me. And reporting too the credit agencies negative information. All the while knowing from all the docs and details I sent previously, that the whole install including my roof leaking due too improper install. Which is supposed too be under warranty as well. But I'm the one that's had to pay for everything. 

Goodleap doesn't care and continues to have a UCC filing against my property and negative reports too the credit agencies. 

Knowing this is borderline fraud. Theft of services. And now abiding by the very contracts I signed. 

I've only received delay tactics from this fraudulent agency. This agency has already lost several suits ( arbitration etc ) in regards to people with similar issues as mine. 

I do not want this equipment anymore.
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have been enrolled in Autopay with Navient. I joined because Navient promised .25 % saving on interest. However, the system is unable to readjust itself after overpayments.

Navient has a repayment schedule of a certain amount per month for ( example ) 24 months, and then it boosts the amount to pay for the next 12 months.

I have been overpaying to shorten my loan, and I payed the amount to cover the first 24 months early. But Navient did not figure this out and start me on the new payments.

Left unattended, there would have been no payments on this loan for a year.

Multiply this by four loans. Right now I have my overpayment set to pay down the largest loan, which is the {$670.00} payment shown on XXXX, following no payment on XXXX. 

In addition, I now have Parent Plus Loans on my daughter 's schooling that are accruing interest. I already owe $ XXXX at 7.9 %. The total is increasing bc of interest, but it is not shown anywhere when it is added or how much.
Consumer complaint received 2019-02-17
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. (CO)

I have filed 2 police reports for identity theft and they have proof and security freezes on my credit. I sent letters advising there are unauthorized and fraudulent credit inquiries on my credit and they refuse to remove these. I can't access my credit when I request credit but EVERYONE else can. I put that any inquiry needs to contact me at my number on file yet they did not and gained access to my credit. They sent me notification they received my disputes but refuse to remove them. And its negatively affecting my credit score and credit report. I'm requesting all inquiries be removed from. 2017 to now unless I have an open account with a company listed on my credit report
Consumer complaint received 2019-02-17
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: CAB Receivables, Inc. (MN)

I did not apply for a loan with XXXX. There is an error on my credit report showing that I tried to obtain a loan from a car dealership and it was denied. I also had to remove 3 addresses on my credit report. I want this error to be deleted from my credit report. My credit score was lowered and I believe the incorrect information on my credit report caused my score to be lowered. 

I believe all three credit bureaus have information that is false and I would like the inquires about my applying for a car loan with XXXX to be removed from my file. 

I am concerned that the inquiry to XXXX was listed on my report in error. I never applied for any loans and I do not understand why this is listed on my credit report. 

It looks like this inquiry was added to my credit report in XX/XX/2019. 
I did not make any applications for a car loan with any company.