davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, 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. (NJ)

A written request was sent to all 3 credit reporting agencies requesting both my credit file and credit report. Neither company has responded and are violating my consumer rights by withholding my personal information.
Consumer complaint received 2019-09-14
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. (CA)

I have been trying to get my name, SSN, DOB fixed with  Equifax since XX/XX/XXXX since I found out they had my DOB linked w/ my older brothers name & SSN when I went to get pre-approved for a mortgage loan. EQUIFAX did nothing to correct it until now ( after I had sent all the required documents ). Worker, XXXX XXXX, from Equifax signed for these documents in XXXX, GA on XX/XX/XXXX at XXXX. Yet, instead of correcting the problem & establish a different file for me, they DELETED my youngers brothers SSN & entered MY SSN in his file. Now all of my younger brothers mortgage loan, credit cards/auto loans are shown under MY SSN, but with HIS name & DOB. And none of my credit card/auto loans show up in there. I dont know why they can not see it right. The documents I submitted ( DLs, passport ) do not show younger brothers DOB. This problem needs to be fixed as earliest as possible.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: United PanAm Financial Corp. (MA)

This was reported as " CO '' with the last date of activity is year 2017, how come that I see multiple " CO '' along with the multiple " OK '' on my paymebnt history? I'm quite confuse, I'm pretty sure this is inaccurate and must be deleted from my file.
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I filed a dispute with this company, asking to verify information about the debt, because the original creditor shows that the balance is XXXX and no debt is owed. The dispute came back and nothing was changed, although they did not verify it was my debt. I recall that being mandatory, as that was the whole reason for the dispute in the first place.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and XXXX bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XX/XX/XXXX {$250.00} were paid to XXXX XXXX/XXXX but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XX/XX/XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

All Students loans were Paid-In-Full with XXXX back in XXXX XXXX Credit Bureau still shows a balance of $ XXXX. I demand to have to correct balance reflected as XXXX $ Immediately!
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted XXXX and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and XXXX bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XX/XX/XXXX {$250.00} were paid to XXXX XXXX/XXXX but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XX/XX/XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.
Consumer complaint received 2019-09-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (TX)

this person showed up at my residence looking for my estranged husband. I told her he no longer resided at this address..she then publicly, tactically implied, because we were standing outside, that the vehicle that was parked on my driveway was registered to him. Then asked if I knew of his whereabouts ... how did this stranger know my personal business and is it lawful of her to invade my privacy in public?
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter to Transunion on XX/XX/XXXX, requesting to investigate and verify the accuracy of the accounts on my Credit Report. The accounts below are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous accounts and have them corrected. 


XXXX XXXX XXXX Dates XXXX, XXXX XXXX XXXX Dates XXXXXXXX XXXX XXXX XXXX Late Dates XXXX, XXXXXXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (FL)

I have a XXXX XXXX account with the firm robinhood and XXXX XXXX  is the partner bank that issues my debit card and my account has a XXXX XXXX  routing number so Im assuming thats who has my money as well ok so on XX/XX/XXXX i deposited {$35000.00} into this account and from the moment they received my money they have denied me access to my funds in any way possible my debit card never worked I couldnt transfer it back out to any of my other accounts or pay bills with my account and routing number or send out checks none of the features they advertised I contacted the company numerous times they have no live help so I can only email and wait for their reply which they would sometimes ignore me for weeks at a time during this nightmare they would ask me documents which I provided numbers of times to numerous support agents and their upload portal as well and they would ignore me again then write back in a week asking for the same documents then finally yesterday I was told they would be deactivating my account and discontinuing their relationship with me great best news in a while only when I asked about getting my money back I was met with a very vague you will not be able to withdraw any funds reply I asked again surely they can not keep my money from me but thats exactly what theyre doing is that keeping my money from me this entire time and now nobody will answer me as to how and when I get my money back from robinhood or XXXX XXXX  nobody its a joke this is almost {$35000.00} were talking about here and its really killing me not having any access to my funds for this long and I dont know what to do please help me all I want is my money back and to be done with this nightmare
Consumer complaint received 2020-08-01
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. (NY)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2020-09-23
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: Experian Information Solutions Inc. (TX)

Receiving two credit card charges every month from Experian for more than a year. We have engaged Experian more than half a dozen times to get resolved, and while doing so we found out from a supervisor that there are actually " two '' Experian divisions billing us. Per that supervisor ( from the division that actually answers their support phone line ), they can't help us with the " other '' division that is erroneously billing us - and that " other '' division won't answer their phone even when numbers are provided to us by the " responsive '' division. We are officially at a dead end and now we are disputing the erroneously billing each month with our bank - but the charges keep coming and we keep disputing.
Consumer complaint received 2018-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (GA)

My loans were forgiven on or about XX/XX/2018 after I filed my first complaint with CFPB on XX/XX/18. Part of my request for resolution was that I receive any refund from overpayments immediately. Today is XX/XX/18 and I have not yet received the over {$4000.00} I am due in refund. Each time I contact XXXX XXXX, I have been informed that it is unclear when I will receive my refund and that there is no way to track my refund. Also, XXXX XXXX is not able to tell me if I will be mailed a check or if the money will be direct deposited into my account. I truly believe this to be unacceptable since this is my money. I need to know when I will receive it and how and if its much longer than 30 days after the forgiveness on XX/XX/18 then I am requesting interest to be paid.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act Experian, XXXX, XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (KY)

On XX/XX/22 I received a call from my US Bank stating that there was a {$5.00} ( estimated ) charge on my debit card that had been flagged as fraudulent. This was caught by their fraud team and they were sending me a new card. I thanked them and went about my day. About 2 hours later I received a text message from a number claiming to be a US Bank Fraud Alert asking if I had authorized charges to my debit card ending in XXXX ( my actual card number from the previous fraudulent transaction ) in the amount of {$19.00} to XXXX and a pending charge of {$3500.00} dollars to XXXX. The text stated to reply YES or NO. I replied NO. I then got an automated reply that I would be receiving a call shortly. I received a call a few minutes later from XXXX ( which is the official US Bank customer service number on the back of my debit card ). The individual stated that he was a fraud department member and needed to help me with the fraud charges. Since I had already received the call earlier I did not question the validity of this claim right away. He proceeded to walk me through how to reverse the XXXX charge that was pending for {$3500.00}. He told me to send the money via XXXX in the US Bank app to XXXX XXXX which is my name and to the email address XXXX. He said that using my own name would ensure the money went back to my own account. I was not heightened to the verification questions since this email address contained US bank and the name was my own. Once I sent the money he told me a confirmation number and hung up the phone. I filed a fraud claim immediately with US Bank and am told that the funds will likely not be recovered because I have authorized the payment. However, I have also been told by US Bank that this is a frequent call they are receiving. I have asked why they have not sent a notice to their customers and was told that they have sent them via email. I then asked if they could confirm if I have been sent this email and they told me that I have NOT been sent this notice.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (TX)

I retired as of XX/XX/2019 and moved to XXXX as of XX/XX/2019 for a year. Since moving to XXXX my bank XXXX XXXX  / Netspend keeps blocking my account so I dont have access to my government social security direct deposit. I have proven my identity each time. But now they want proof of my identity with my address on file within the last 30 days which I dont have I sent them all of my closing bills but they wont accept them I have explained this over and over I have sent them my final paycheck with the correct address but they wont accept that either I sent my XXXX  XXXX  my passport my lease and electricity bill from XXXX I have sent everything asked for but no one there is listening and I will soon be homeless and starving in XXXX when they have my SSI and final check. They keep threatening me with closing my 6 year old account and sending me a check which would not get through customs nor would I be able to cash it here. Please I cant get anyone to even look at the previous notes I keep getting the exact same answer we need something from my address on file from the last 30 days which is the closing bills.
Consumer complaint received 2020-09-23
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: JPMORGAN CHASE & CO. (NY)

I purchased XXXX  XXXX tickets for my family members with my chase credit card. The tickets were not honored because my family members did not have my credit card physically present while boarding.The manager on duty on XXXX XXXX flight # XXXX  XXXX from XXXX to XXXX on Friday XX/XX/2020 did not allow my family members to get on board. No boarding pass were issued. My family members were present at the counter and were denied boarding. The surveillance cameras at the counter will show that all of them were present. One of my family member sent feedback to XXXX XXXX online for the problem they were facing. Due to COVID-19 my family members were stuck at the airport for five days.There was no way I could have sent them the original card. I called via video link to speak to the manager on duty. I sent him copy of my ID, showed my original card but he refused! It was an emergency. I could not let my son and other family members sit at the airport any longer.I had to purchase new tickets for them to go home. Please see attached copy of new tickets from another airline. 
I tried to contact XXXX XXXX numerous times but due to COVID, my calls could not get through. I even made visit to their office in XXXX XXXX but I could not get any help. 
I disputed XXXX XXXX tickets transaction number XXXX for the amount of {$3900.00} dated XXXX with my chase credit card. The XXXX XXXX never provided the services by not allowing my family members to board on the flight. Chase denied my dispute stating that " The Merchant has provided the information showing they believe the charge you are disputing is valid ''. 
The only information was provided that the flight was on time to XXXX! 
I requested the credit card company ( Chase ) to ask the merchant to provide the boarding passes if the services were provided to my family. But no response! 
Please contact me if you need any additional information. 

Thank you,
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-07-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : 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 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The credit bureaus did not verify the accuracy of the XXXX XXXX XXXX account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
Consumer complaint received 2018-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (GA)

On XX/XX/2018 I was contacted by the company to take out a loan for {$15000.00}. The terms was for 36 months at {$440.00} / month on the XXXX direct withdrawal from my account. I start noticing the amount was more and they were taking it out different days of the month. I recheck the loan agreement XX/XX/XXXX which downloaded in their app and it was for a different amount to be taken every 28 days for {$470.00} for 52 months. When I contacted the company about the fraudulent loan that my name had been attached I was told they would do an investigation. I received emails confirming that it was not right it was supposedly a human error. I repeatedly asked for the original loan but they could not give it to me and wanted me to agree to a new agreement and with supposed original terms. I refused because I knew that they couldn't produce the original loan agreement with my signature. They kept badgering me about making payments on a fraudulent loan they claim they did an investigation which I received there was an error on the company 's part however it was very clear that company intended to fraud me out of thousands of dollars. I found out this is has been to many other people. THE inconsistencies caused insufficient funds in my account because my due date went from the XXXX to the XXXX of the month for more money and a longer-term. Each month a different day. I have emails confirming that they want to try to re-establish the loan with original agreement but can not produce the original with my name sign to it. So basically the company gave me the original terms then went back and change the terms to get more money out of me actually over {$9000.00} start importing my signature to a loan I never agreed to which is not only a civil violation but a criminal act
Consumer complaint received 2021-07-19
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. (FL)

Credit Card for individual was opened at XXXX XXXX XXXX  on XX/XX/2021 with a {$500.00} limit. 

I was unaware of this identity theft until months later I checked my XXXX XXXX  account and saw a 200 point drop in my score. Clearly I live in another state from this banks location and have no emails in my personal or work emails relating to XXXX XXXX XXXX. 

Since this became a revolving credit card debt issue there is a {$650.00} balance. I urge to you please open a fraud/identity theft investigation immediately.