davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (KY)

For going on 4 years now I have tried to dispute this loan. First off it should not be showing up on my credit report from the school itself when I took out a FAFSA loan and they are already reporting on my credit so the school is fraudulently trying to charge me twice. They kicked me out of school in XX/XX/XXXX after I went to class one night and would not let me finish my 3 classes I needed to graduate because they said they wanted me to go back to my XX/XX/XXXX taxes and change my filing status. That is against the law and unjust and not ethical and my filing status has absolutely nothing to do with the school. I did not drop out nor quit they would not enroll me into anymore classes due to this. I have disputed and appealed this so many times with no turn around from this school. This school is a fraud and they were in a class action lawsuit for a ton of reasons including fraud and lied about the lawsuit not being true. The school also shut down where I live at due to the lawsuit. I need them off of my credit report ASAP!!!! When I call their corporate office they won't even let me speak to anyone they immediately send me to their collections department and continue to fraudulently report and try to charge me. I am also disputing this with the Dept. Of Education as well. The sooner it is removed the better because I am about to sue them. I am sick of them and sick of these profit schools trying to get over on people. I hope they all lose their jobs as well because they are defrauding consumers. Goes to show that just because it has University in front of the name they are still fraudulent.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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.

The letters are stated with items and issues.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-10
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)

I am having issues with inaccurate addresses on my credit file.. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, EQUIFAX, XXXX  inquires regarding all personal information. Under the Fair Report Credit Act, you are required to comply. I would like you to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX I have tried to get this corrected before with no response. There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contracts with. I would like a copy of my full file report on your files for my own personal review.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (VA)

I am writing to dispute a charge of {$1800.00} from SOUTHWEST CREDIT SYS on my credit report on date of XX/XX/2019. The charge is in error because this account was opened fraudulently with my personal information without my consent. 

I contacted the company immediately upon seeing this balance showing up collections. This company refuses to try and resolve my issue, even though I provided documents to them as proof, as well as wrote them a letter. This issue affecting me financially on a financial burden.
Consumer complaint received 2023-06-13
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I havent been able to log into my account online and I urgently need to do personal financial transactions and Im not able to. I called them today and tried to verify my identity and they still dont accept it by verifying my cell number or anything else. They said there was some fraud and I know nothing about it. I need to do financial transactions now and Im not able to and I want to make a complaint against citi bank. Can you help me? Thank you
Consumer complaint received 2019-01-10
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)

My information has been compromised online which resulted in my information floating around online. I've been abroad since XXXX and came home as of XX/XX/XXXX. As a result of my information being compromised and numerous fraudulent accounts have been opened under my name and social. Also numerous inquiries are listed as a result. 

The following fraudulent accounts aren't not mine : 1.XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX Acct # XXXX 6. The XXXX XXXX Acct # XXXX 7.  XXXX Acct # XXXX 8. XXXX Acct # XXXX 9. XXXX Acct # XXXX 10.  XXXX XXXX XXXX # XXXX Inquiries : 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 2022-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NH)

This complaint is in regard to the recent events at the Gemini XXXX XXXX, their relationship to XXXX, and Geminis uncollateralized use of retail investor funds for XXXX XXXX schemes under the Gemini Earn product. 

Gemini XXXX ( Based out of New York ) touts itself as being a highly-regulated crypto exchange, with crypto ( XXXX, their stable coin ) being backed 1:1 ( {$1.00} USD to XXXX GUSD ) and FDIC insured XXXX they also possess a Bit License from the state of New York XXXX Despite the overall volatility of crypto, the Gemini XXXX is trusted and is one of the dominant industry players in the United States. Within Gemini 's investing programs and products is the Gemini Earn program where users can purchase crypto with USD from their exchange and then enter that crypto into Gemini XXXX where percentage yields can be earned based upon the rates established per cryptocurrency. The rates are set by a third-party lending partner, XXXX, who manages this lending program through Gemini. On XX/XX/XXXX, XXXX halted withdrawals due to liquidity issues, assumed to be related to the XXXX fallout. Gemini has an XXXX to return XXXX funds to users within 5 days of redemption. On XX/XX/XXXX, Gemini emailed XXXX customers noting that they would not be able to meet the 5 day XXXX. At present time Gemini reports to be working with XXXX to find a way to recover Gemini XXXX customer funds. Gemini has not updated customers on status since XX/XX/2022. 

Many customers have been blindsided by this event as Gemini 's XXXX program was considered to be one of the most conservative and safest crypto investment options. Customers believe that the XXXX product was bundled under the auspices of regulation, safety, and trust -- that the extreme level of risk was not fully understood by customers and perhaps not understood by Gemini. Gemini employs a risk management framework to vet third-parties like XXXX but either this framework was not robust enough or not employed with the appropriate frequency. 

I have heard reports that there is somewhere between $ XXXX $ XXXX in funds that are attempting to be recovered by Gemini from XXXX. Personally I have $ XXXX wrapped up in this and potentially lost. Had I known/understood the actual risks I would've never placed my investment with Gemini. There are thousands of customers who have attempted to withdraw their funds from Gemini and, from what I've read online, none of those redemption requests are being fulfilled. There has been commentary/discussion about a class action against Gemini. 

Some customers are going to XXXX XXXX XXXX to discuss what's happening. Some users are reporting that some posts and comments, that are not in the best interests of Gemini 's business, are being withheld or deleted. The Gemini subreddit has also removed the ability to submit posts under the category ( called " flair '' ) of 'Gemini XXXX. ' Gemini XXXX Update XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MS)

I XXXX XXXX am the legal heir and only child of XXXX XXXX XXXX, during the care of my mom, I discovered that my mom was being victimized by her mortgage companies. The house that she and my step father originally purchased was compromised by an existing second mortgage or personal loan. The amount that they stated she owed on the mortgage was XXXX that Wells Fargo assess to the house at the time. I contacted several companies for my mother trying to get that corrected for during the time of conservatorship. I hired several attorneys to deal with matter, none seem to be able to help us efficiently. 
My mother paid and struggled all of her life for her to have a home that is now in foreclosure and about to be sold, and the way that Wells Fargo went about it is less than humane. The courts that is involved in the matter created a domino effect and confusing avenue of failure in order for me to fail and mislead me to believe that everything that I was doing to help my family would be okay. They force us out of my mother 's house, took all our possession and gave me no monies that was due to me. I have been paying the taxes on the property. I followed proper protocol with the courts and the adversaries never once appeared in court and never met with me and my attorney. The agencies that I contacted provided no assistance in the matter. Wells Fargo did not provide my mother with the proper insurance in case something did happen to my mother that her house would be covered under the insurance knowing my mother 's illness. My attorney issued me the deed to the house so how has the house been foreclosed on. You may call me at XXXX. 
i
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (DE)

OnXX/XX/2021I was notified by PayPal that they we no longer offering services to me as I had violated one of their regulations. I had no idea I was in any violation, they accepted payments for goods I sold, made me ship and wait on confirmation of delivery, wait an additional 24 hours, then found another excuse to hold my funds. They have permanently suspended my account. There is over {$640.00} in the account that they are not releasing. Their exact words were to do what I have to do to collect my funds. I have no access to the funds, the product has all been shipped out and received and now I have no funds for the product. I am reaching out to you guys to aid in coming to a resolution.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY (CA)

I have now spoken with three/four ( but the second woman hung up on me after she said her scripted info ... it was strange ) people at American Express. Each of them told me completely different information. The card was activated in XXXX, but she could n't say anymore. Then she told me There was no manager they were " on a call '' and I told her I 'd wait, and the VP was never in a meeting,
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GreenSky, LLC (AZ)

GreenSky financing account opened in our names by Renewal by XXXX despite our insistence that we would pay cash for our renovation project. 

We only found that the account was opened because the sales person charged 3 times the down payment amount to the account without our approval. 

A payment on the fraudulently opened account was missed before the new windows were even installed. GreenSky threatened to damage our credit rating. 

It took over a month to have the account XXXX  out. GreenSky still shows the account as available on their site. 

Beware of XXXX XXXX sales personnel & GreenSky financing. All they want to do is set up a fraudulent account & start charging fees.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, Bank of America mailed out a card for a new authorized user on my credit card. They send it by regular mail and it was lost by USPS. 

The guy who steal the card swipe the card at a local gas station and XXXX  for around {$16.00} and it is an obvious fraud. 

The bank decided to reject the claim because a chip card is used, which they claim will prove it is my responsibility. Which is totally unreasonable considering their " Zero Liability Protection ''. 

I called the Bank, and after a full hour of wait and connected with a supervisor XXXX, I was asked to go through all the hassles of file police report and USPS lost mail case in order to appeal to the claim, without promise that the non-authorized charges will be refunded. Regardless of what I say, they just keep saying there is nothing else they can do.
Consumer complaint received 2023-06-12
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$380.00}
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am in the middle of a home purchase! I consolidated my student loan through XXXX. This is good! However, when it came to the XXXX reporting it has been a horrible experience. XXXX first reported to the bureau that the loans were paid. This reporting shows in my positive section. However, Instead of XXXX reporting that the loans are paid, closed due to consolidation the loans are reporting twice. They also report that the loans are closed which has a negative impact and the loans are listed as an negative item. This has caused my score to drop significantly 30-100 points on each of my reports.. Then finally they report the new consolidation as a NEW loan. The loans are reporting as closed. Not closed & paid, or consolidated. This is unfair to the consumer. They are making 3 different reportings all for one transaction. I am unable to close on my home. I have worked over a year to get this report in order and have succeeded. Please help as I am certain that XXXX is causing multiple customers this pain. I have reached out to XXXX by phone as well as letter. I was informed that this is how they report. 

I have included a statement of my XXXX account. Also, the date they have listed as my new account date is incorrect. The XX/XX/2019 date is the pay off date for my loans. 

Thanks
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/XXXX and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.
Consumer complaint received 2019-01-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (GA)

They use numbers that the spoof to call me. They were calling me sometimes 10 times a day and because they were using numbers from any and everywhere I refused to answer. The first time I did answer, he said the same thing that most spam callers say, I am calling on a recorded line, this call may be monitored or recorded for quality assurance purposes like most real creditors do. Their business practices are fishy. They sent me a letter saying that they accept payment by XXXX XXXX and when I sent it, they refunded the payment and sent me another letter stating that they only accept payment by ach or mail in. American Express need to deal with better debt collection agencies. I do not mind paying them the money owed. But I refuse to give money to shade trees.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

The letters are stated with items and issues. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.