davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report and found fraudulent accounts on my report. This is against the Fair Credit Act and I would like to have it removed so I can get credit. Please remove these accounts from my report, they are affecting my ability to get credit.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

Persistent Issue Accessing Equifax Credit Report Immediate Resolution Required Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding ongoing issues I have experienced with Equifax. Despite multiple attempts to resolve the situation directly with them, I have been unable to access my online credit report for nearly seven months, which has caused significant inconvenience and concern regarding my financial oversight capabilities. 

On XX/XX/ 2024, after initially discovering that my credit report was unavailable online, with the system displaying a " credit report unavailable '' message, I contacted Equifax 's customer service for assistance. I was assured that a technical ticket had been created and that their technical team would reach out to me with a resolution. Unfortunately, despite this assurance, I received no further communication or update on the matter. 

Given the lack of response, I reached out to Equifax again on XXXX XXXX, 2024, in hopes of escalating the issue and finding a resolution. Once more, I was informed that a technical ticket had been issued and was promised an email response from the technical team within 48 hours. Regrettably, this time frame has elapsed without any form of communication from Equifax, leaving me without access to my credit report and without any explanation or solution. 

This ongoing inability to access my credit report online is not only frustrating but also alarming, as it hampers my ability to monitor my credit health and address any potential issues proactively. The lack of response and resolution from Equifax further exacerbates the situation, undermining my trust in their ability to safeguard and manage my personal financial information effectively. 

Thank you for your attention to this matter. I am eager to see a swift and satisfactory resolution. 

Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I often play games at my own risk on XXXX XXXX website. There are two options : play with real money using Sweeps Coins or fake money using Gold Coins. I purchase Sweeps Coins which in turn increases the number of Gold Coins as well. From XX/XX/2024 to XX/XX/2024 there were several transactions made by my nephew with a XXXX XXXXXXXX that resulted in my account being overdrafted for more than {$1400.00}. I usually allow my nephew to play with Gold Coins. Somehow, he figured out how to make purchases with my debit card. 

I recently added a new debit card to XXXX XXXX. This is relevant because 1 ) it is a new debit card for Citizens in general as they shifted from Visa to XXXX XXXX ) I had always been alerted if multiple transactions were attempted on my card at the same merchant including XXXXXXXX XXXX in the past. However, this time, Citizens allowed multiple transactions to go through. On XX/XX/2024, starting at XXXXXXXX XXXX until XX/XX/2024, at XXXXXXXX XXXX, there were 34 transactions allowed to go through on my account even after I had insufficient funds. The approximate total was {$2100.00} ( this does not include convenience and foreign exchange fees ). This resulted in my account being overdrawn for approximately {$1400.00}. Now, I get that I do use the site. However, someone purchased items from XXXX using my credit card once and I was not held responsible because I shopped at XXXX before. Where is the protection to my account that Citizens promised? I called them on Saturday, XX/XX/2024, because I couldnt use my card. After all these transactions, Citizens sent me a fraud alert on XX/XX/2024. Before that, I received a Fraud Alert for a purchase I made on XXXX for {$00.00}. Just now, as I write this, I was reminded that I needed to add my new debit card to XXXX to pay for my membership and received a fraud alert for a transaction for {$24.00}. 

I filed a claim on XX/XX/2024. On Sunday XX/XX/2024, I checked my mobile banking account and saw the claim was closed. I had to call and find out why. The letter recieved in the mail today says that there was no fraud and NO ERROR!
Consumer complaint received 2018-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (PA)

Ameritech was supposed to be helping to get out of default with my student loans. I was paying the {$100.00} dollars per month and my income tax check was taken for XX/XX/2017. My income tax check was not supposed to be taken and they harassed me about making the monthly payments. Ameritech / XXXX XXXX  made my bank account overdrawn of which I had asked them not to go into my bank account because they were not helping me. I have emails to prove it. I was so upset. I do not have the money to pay my loan off and I was under the impression that I was not in default anymore due to Ameritech was supposed to be helping me. 

My first payment to them was for {$140.00}. XXXX in XX/XX/2017. The regular payments was {$100.00} per month. I was struggling to pay that amount. I want my money refunded and the amount of my income tax check and I had to pay XXXX XXXX {$100.00} dollars due to the check was taken and they would have taken their money out of my income tax refund check. I think Ameritech should give me back all of money. I am struggling to make ends meet and this happens to me when I am trying to pay student loan. My credit is destroyed when they reassured me my credit would be okay in a few months.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I have had problems with the Nelnet platform to allocate my payments in a way I need this to be. While using the options " Special Payment Instructions '', I selected " Apply Excess by Percentages '' and then distribute the percentages to pay in full loans AH, AC, and AD. 

As soon as I submitted this request the system didn't allow me to move forward due to the following problem : " Sorry, there's been a problem. 
The has been logged and reported to our technical team. 

What you can do first : - Refreshed the browser and try again - Log out your account and log back in again. '' I did follow the recommendation twice and couldn't move forward. 
I decided to go ahead and made a bulk payment and later contacted customer support. I explained the same, I am writing to you on this request. The rep took notes, make the calculations, and documented the way the payment should be allocated. 

I can see my request has not been considered. 

I need you to please correct this and ensure that the following loans are paid in full of my last payment : Loans : AC, AH, and AD. These are the loans with the higher percentage rate I want also to bring to your attention another issue I had last year when the payment resume took place. The platform took me the money twice from my bank account. I called to request a correction and unfortunately for me the rep was extremely unpolite letting me talking alone. She decided not to say a think even though she was on the line. 

At this point, this is clear for me that Nelnet care less about us the loaners. Who can help? 

Thanks.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

This is a follow up on a previous complaint of which the same Problem still exists and XXXX misinterpreted the complaint and did not amswer ot properly or correct the problem. 

Below is an email i received from Experian that says XXXX has issues Communicating my information to Experian and everyone I speak to at XXXX ( most recent communication today ) doesnt know what I am talking about. 

Here is the email from Experian : As a member of Experian XXXX XXXX, one of the benefits is three-bureau credit monitoring. Unfortunately, we were not able to establish credit monitoring with one or more credit bureaus, which means you have not been receiving alerts from this bureau when key changes were made to your credit report, if any : XXXX : ( XXXX ) XXXX You do still have access to your other Experian membership benefits. To see all of the benefits available to you, please sign in here. 
If you have any questions, please contact us at ( XXXX ) XXXX ( XXXX from XXXX a.m. to XXXX p.m. and Saturday-Sunday from XXXX a.m. to XXXX p.m., XXXX ). 
Sincerely, Your Experian Team I also received this notice from Experian in their App : Sorry, we can't show you today 's 3-bureau report. 
This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (CA)

XX/XX/ Opted-out third party reporting & Credit Reporting Updates XXXX XXXX, Experian and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Specific incorrect information incorrect name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - please remove all incorrect date of birth Non-Mailable addresses incorrect previous addresses incorrect Nonpublic Previous employers incorrect non-matching account XXXX XXXX incorrect Non-matching account types incorrect Non-matching account type - detail incorrect Non-matching bureau code incorrect Non-matching account status incorrect monthly payment incorrect Non-matching Date Opened incorrect non-matching balance incorrect No. of Months ( terms ) incorrect non-matching high credit incorrect non-matching credit limit incorrect non-matching past due incorrect non-matching payment status incorrect non-matching last reported date incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment incorrect non-matching two-year payment history
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

On XX/XX/23 my account was hacked and scammed someone pretended to be a chime representative and stole {$3500.00} out of my account. My account currently has {$1.00}. They told me to call to unlock my account in a text sent from chime. Also, the representative told me that if I hung up they were going to delete my account. They sent themselves money using XXXX XXXX XXXX with XXXX different names I have never seen or heard of. I have never used XXXX XXXX XXXX with the chime app. Furthermore, the call disconnected and I wasnt able to get in contact anymore. When I contacted another chime representative which was a woman I spoke to told me that they wouldnt be able to do anything about it so I decided to take further actions to get my money back. She told me to file a police report. I called again to speak to another representative and they allowed me to file a dispute. The company is aware of the fraud charges that was made in regards to my account as I gave them the names and amount of the unauthorized transactions. This is my first time experiencing being hacked with chime and I was on the phone with a supposedly chime representative.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX The following credit reporting agencies have three different Date of Last Payment. 

XXXXXXXX XXXX XXXXXXXX Equifax-XXXXXXXX XXXX XXXXXXXXXXXX As stated in the FCRA All information contained in my report must be 100 % correct.
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I received a check from a company I was hired from in the amount of {$1200.00}. I didn't want the funds to interfere with my Social Security acct ending in XXXX so I opened a new acct. ending in XXXX and deposited the check there. The representative assured me that my acct XXXX would not be linked, hindered or touched in anyway. After the company requested that I show them I deposited the check in my bank, they asked me if I could go ahead and buy the equipment from them to start my job. Since I told them the bank held the money for 10 days I became suspicious. I called the XXXX  XXXX XXXX to make sure the check was good before I would touch any of my money I deposited and talked to the head of the financial dept. and I even have her direct line for any questions. She told me the check was a scam and after giving her all the information to help her catch these fraudulent people she commended and thanked me. I in-turned called Truist immediately on XX/XX/XXXX and relayed the information to them and told them to make sure no money or activity would go on in that new acct ending in XXXX. I also made sure I cancelled the debit card they would have sent me also. I made sure I was a vigilant and upstanding customer to help them in anyway catch this check and not be out any monetary value. Again I was very concerned about my acct. ending in XXXX since it is my lifeline. I can not live eat or survive without the money I receive from SS & SSI. On XXXX/XXXX I called the bank again because they placed a hold on both of my accts which totally put my into a panic since I was already dealing with a state of emergency with XXXX XXXX and in a shelter unable to accesses my good funds. The representative apologized and was able to release the hold they put on my acct ending in XXXX and helped me open a new online banking password and ID. Then made sure and promised me that would not be touched again. And the bad acct ending in XXXX will be closed per my request. A banking institution could not ask for a better client as myself since I have protected them the whole way with these fraudulent funds and company that got to me. On XX/XX/XXXX when I was able to return home I needed gas and money for food and necessities my acct ending in XXXX again was blocked. I had to wait to call at XXXX and the girl said they had made a decision to close my acct and will eventually send me out a check in the mail for my balance of {$220.00} taking 7-10 days and sending back my SS & SSI checks to the government! This time frame is unacceptable! I needed money immediately as I was in a state of disaster from the hurricane and that was all the money I had in the world and {$0.00} cash in pocket. I have received no correspondence from the bank to help me or let me know they would do this to me, giving no other alternative to get my money from the bank. Also now I will be extremely delayed on getting any of my Social Security Checks to further live on for many weeks.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-14
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. (NV)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I have an erroneous collection that should be REMOVED. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to then best of their ability with MAXIMUM ACCURACY. This account is not on XXXX but is on Transunion and XXXX with information that doesnt even MATCH. Please investigate and provide proof with statements showing that these accounts are accurate. If proof cant be provided I demand this account be DELETED COMPLETELY from my credit report. Thanks.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

Early Warning allowed XXXX XXXX  XXXX XXXX XXXX  to open a checking account, savings account, and Money Market Account ( s ) In my name without my permission. XXXX XXXX Sent a letter to me stating I am not liable for these account 's and they closed these due to identity fraud/theft. However when Requesting Early Warning to complete an investigation and to block this information from my Early Warning Consumer report, they blocked the information and sent a letter one day later saying they have rescinded the block. It says it was blocked in " error '' On the next page it says if you have further questions or want information that Early warning does not have this information please reach out to XXXX. For XXXX, I did not open any account 's with XXXX XXXX or Their subsidiary XXXX XXXX. I have not opened a Cashback Debit, I did not open any money markets and I did not open any Savings account with XXXX or their Affiliates. These account 's were created and opened by XXXX XXXX  and it appears Early Warning is siding with XXXX yet DOES NOT HAVE ANY VALIDATION all they have is XXXX Telling them that I opened the account and I am liable for the FALSE information they are reporting. I did not receive any debit cards from XXXX, I have not been mailed any Account application 's and I did not use these accounts or their services. I do not accept Blocks being rescinded BASED ON EARLY WARNINGS MATERIAL MISREPRESENTATION. Early Warning Refuses to send me a copy of my consumer disclosure. Additionally, I am a victim of Identity Fraud, and Early Warning is a company that provides a consumer reports to banks to determine my banking history, and This information from XXXX IS FALSE. Falsely reported, and False information. I do not have account 's with this company nor have I ever. I did not apply for these account 's I did not authorize XXXX to access my consumer disclosure nor my credit reports. XXXX Is creating a sham and Early Warning is biting into it. XXXX Fraudulently used these account 's XXXX Fraudulently opened these account 's and applied for them. It's clear Early Warning does not conduct investigations and instead blames the victim of identity theft for the fraud occurring. XXXX Is reporting inaccurate information on my consumer report and Early Warning is in agreeance with it, and instead of providing information Early WArning 's Letter states they do not have any information to contact XXXX XXXX. I will not be contacting XXXX XXXX because I do not do business with this company. I have not autorized ANY Accounts to be opened in my name without my permission, and that's exactly what XXXX did. Nor did they ever send me any information on these account 's.