davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (GA)

In XXXX of XXXX, Equifax experienced a data breach, which impacted the personal information of myself. I have inaccurate information on my credit report and I would like it removed within 15 days. I am requesting a letter of all removed information. 

Inquires : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CO)

I have not used this card since XX/XX/XXXX, paying the balance in full on XX/XX/XXXX. When I logged in on XX/XX/XXXX to see that everything was in order, I saw a balance of {$150.00} and a notice that my account was " past due. '' The accrued charges include several from a fraudulent company called XXXX, who I first reported and disputed on XX/XX/XXXX. American Express decided the dispute in my favor and acknowledged the charge was fraudulent, but DID NOT replace my card or change my number, and failed to block future charges as I was charged again the next month. After much correspondence, American Express finally agree to block this company, yet now it seems I have continued to be charged and American Express has apparently reported me for late payment at their own error. The charges also included fees, due to the banks own error, and an additional fraudulent charge using my card - likely initiated by this same company. Since XX/XX/XXXX I have repeatedly attempted to dispute the charges and report the fraud, but have " encountered an error ' on every single attempt and have been put on ridiculously long holds every time I've tried calling.
Consumer complaint received 2021-06-10
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. (TX)

EQUIFAX IS REPORTING DUPLIACTE ACCOUNTS WHICH IS HURTING MY CREDIT RATING. I have submitted 6 months of requests where they would remove some then add them back on. Listed below are the accounts 1. XXXX XXXX Acct # XXXX ( 2 DUPLICATES ) 2. XXXX XXXX Acct # XXXX ( 2 DUPLICATES ) 3. XXXX  XXXX XXXX Acct # XXXX ( 1 DUPLICATE ) 4. XXXX Formerly XXXX XXXX Acct # XXXX ( 3 DUPLICATES ) 5. Account # XXXX with no Furnisher Information reported ( 2 DUPLICATES ) EQUIFAX is not reporting who the original Furnishers or Collection Companies are for the following accounts so I am not sure how I am suppose to know if this is my Account or Fraudulent or who I pay if these are my accounts 1. Account # XXXX 2. Account # XXXX 3. Account # XXXX 4. Account # XXXX 5. Account # XXXX
Consumer complaint received 2022-10-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

According To The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B )., There are several accounts listed on my credit report XXXX, XXXX, XXXX XXXX XXXX that read incomplete and I have a right to dispute incomplete or inaccurate information in your report according to Fair Credit Reporting Act 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B ). These Matters DO NOT Show On Any Other Credit Reporting Agencies
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

XX/XX/22 received a email in regards to my account being put on hold due to suspicious activities on Chime that I have no idea of and was not even sent a warning. Chime then decides to hold my funds and close my account to tell me that my account may not be reenabled nor will my money be refundable. Poor communication with customer service and repeatedly telling me the same thing over and over to where matter still has not been resolved
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

I started a new job and realized now that I received a phishing email from the boss. I paid him for gift cards for clients worth {$500.00} through XXXX the money is still processing and I want it back.
Consumer complaint received 2018-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO. (MN)

This private student loan is listed as " charged off '' on my credit report, but is no longer held by JPM Chase. It was apparently sold by JPM Chase to XXXX. XXXX claims they sold it to a third party and have no records since XX/XX/2008. I can't figure out who has it.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have a bankruptcy on my credit file since XX/XX/2013. I have been unable to verify this information with the courts and have repeatedly asked the credit bureaus for documentation supporting this bankruptcy. I am disputing the type of bankruptcy and the filing date. I have been denied credit, housing, employment because of this error.
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (TN)

My robinhood account was unexpectedly disabled with no reason following. All they said was it was security reason. I have been trying to withdraw my funds since XXXX and keep getting the runaround. I have traded many emails back and forth with promises of getting my account able to with draw money but then no response. I finally get a response stating- Thank you for your patience. Based on the information provided, we will no longer be able to support your account. 


This is a final decision, and your account will be scheduled for deactivation. 


Heres what to expect upon deactivation : Right now, all remaining funds have been reverted back to the source from which they were originally transferred. These funds should reach the sending bank account within 3 5 business days. 

Thank you for your assistance during your account review. We regret these circumstances, but we simply can not facilitate this type of account activity. 

I got this email on XX/XX/XXXX and of course no money has been returned. 

The most recent email states ( XX/XX/XXXX ) - It looks like there was a delay, but can assure you that we are working on getting the funds returned. For additional information please contact the originating bank. Upon the completion of this process your Robinhood account will be scheduled for deactivation. 
I can not get a response of what this refers to or what step I need to take. 

Email back on XX/XX/XXXX with screen shot below states -Right now, all remaining funds have been reverted back to the source from which they were originally transferred into your account from. These funds should reach the sending bank account within 3 5 business days. 

Any funds that continue to arrive into your account will be rejected automatically and sent back to the sender. Your account is now permanently deactivated. 

Please close all of your current positions in your Robinhood account.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

I bought a NetSpend prepaid visa card at the XXXX pharmacy on XX/XX/XXXX. 
I loaded {$400.00} on to this new NetSpend prepaid card on this same day XX/XX/XXXX I tried to activate prepaid card at home after purchase on XX/XX/XXXX Was told I was not gon na be able to activate it use this card at all and the only option for me so they are gon na mail me a check in the mail. This check didn't get mailed off to me until XX/XX/XXXX ( was told with in 10 business days ) would receive my check in the mail. Expected delivery XX/XX/XXXX The check still did not come in the mail as of XX/XX/XXXX Now when I called on XX/XX/XXXX I was told I have to give them ( 48 hours- business days ) longer plus a weekend to do a trace on the mailed check and get a update. 
Was told on ( Monday, XXXX XXXX ) to now wait until ( XX/XX/XXXX ) to allow full ( 15 business days ) from the, US Postal Service, due to possible mail delivery, delays causing possibly the later delivery date. 
I now have waited the extra + ( 5 business days ) until ( XX/XX/XXXX ) as told to do for possible delays. I sttill have got no results or update with any information on the trace they supposed to have done on my mailed check ( XXXX XXXX ) now told I have to wait for another 10 business days to have another mailed check sent to me!!! What happen to the first one? I have waited over a month now and counting to get my refund of {$400.00}!!!!
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (GA)

In the mail, I saw a letter addressed directly to me from American Express, stating that I qualify for XXXX bonus miles with the expectation I spend a certain amount of card spend within a given time if I sign up. 

I thought that was great, so I chose your card. Over the last 5 or so months I have put 10 -15 thousand dollars on that card, paid on time.

Despite spending over the minimum, I never received my bonus miles, so I decided to call in a month or so ago, and the agent said that my miles are on the way and to just wait 8 12 more weeks ( spend more money on the card ). I waited weeks and spend several thousands more, and called again today to see if the miles were to be included soon.

On that call, I come to find out that I never even qualified for the bonus miles, Amex had known from the beginning that I would not qualify because I owned a similar card years before. No one ever told me I didn't qualify, they just kept saying to wait and wait and the points are on the way.

This was very disappointing, and in my opinion a very unethical business practice. I would have canceled this months ago and signed up with another had I known this to be the case.

For starters, If they knew I had a similar card before and knew my address and name, they knew they were offering me something I didnt even qualify for, hoping I would sign up, spend a lot of money and later find out because of a rule I was unaware of, that I would never even earn the miles. I never would have signed up had they not sent me that letter, I would have put my 10 -15 grand elsewhere.

On top of that, because I was told by their agent that the miles were on their way earlier and I waited and waited. Not only was I misled into signing up, I was misled into keeping the card longer, therefore being coerced into spending thousands of dollars on a card under the premise of false promises.

I reached out to Amex after all of this and they said they would do an internal " investigation '' that would take 6 -8 weeks and during that time I would have to keep my card active. Meaning once again they just want you to keep the card keeping spending money and never actually give you points.
Consumer complaint received 2015-06-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

I have been making payments faithfully to my Capital One XXXX credit card via phone and via mail each month. The payments are held or not applied to the account and they even tried to get into a closed bank account that I have not used in several months since moving XXXX. The money is withdrawn from my account XXXX and then they claim I did not make the payment. They are clearly taking my money, and then charging me " late '' fees for payments I 've made ON TIME. I talk to their " customer service '' people who then " reimburse '' the late fee and tell me my account is in good standing. And then? I get a bill with ANOTHER late fee on it and telling me I 'm past due WHEN I AM CLEARLY NOT past due. It 's fraud and it 's harassing and I can not stand it any longer. I 've spent endless hours on this and my time is worth {$40.00} an hour. I want them to cease and desist and leave me alone. I 'm not going to pay them a penny more for the XXXX months XXXX they 've put me through and putting me on hold for endless hours and wasting my time. My time is valuable and I 've got better things to do than fight these rotten companies with terrible business practices.
Consumer complaint received 2022-12-01
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. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-07-25
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. (CA)

The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX  ( two trade lines, the same creditor )
Consumer complaint received 2017-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

I disputed this account with OneMain Financial in XXXX and once I disputed the account in 30 to 45 days the account was remove from all three credit report. It been off for four years and now it 's been put back on all three credit report on XX/XX/XXXX.It have been off for four years. They did n't give me notice of the account been put back on my reports which were remove from my reports. I also ask for copy of the agreement which they response to correspondence received from OneMain Holding, INC or one of its affiliates.I have the letter.I told them that my personal information was lost are stolen but someone use my personal information. It was use to obtain good and service. And spoke with someone on XX/XX/XXXX validate the Account # XXXX.It 's in the letter I have sent to you.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (MD)

XXXXXXXX XXXX XXXX XXXX XXXX  issued a collection action with transworld systems inc XXXX XXXX XXXX - against me - for a disputed bill that my wife incurred under my social security number while we were separated before our divorce the first delinquent payment date missed by my wife was XX/XX/2011 - after i moved to XXXX then back to XXXX  - XXXX obtained my current address and sicked the collection agency on ME - i paid the entire disputed amount of XXXX   dollars as part of our divorce agreement - however - after numerous contacts with XXXX - ( disputing the account as the first the first delinquent date is greater than 7 years and this paid in full ) the account needs to be removed from my credit reports as per regulation by the fair credit reporting act - XXXX needs to remove this account from my report - in addition - XXXX  does not report this account as paid in full CLOSED and it is counted as one of my 3 open negative remarks in my report causing me financial hardship because as a result of my divorce - my wife gets 25 % of my income so i have to move to XXXX  and purchase a mobile home - the only thing i can afford - because of this false information on my report - i am being denied a mobile home mortgage
Consumer complaint received 2021-09-23
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. (OR)

In XXXX I contacted XXXX to help enroll me into the Financial Relief Program. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on XXXX 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by XXXX. I always let XXXX know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. XXXX has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need XXXX to remove the info as agreed.
Consumer complaint received 2021-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DocuPrep Xpress (NC)

Docu Prep Xpress reached out to me and stated they were a company who helps with forgiveness. I made approximately 3 months of payments of {$190.00} to come and find out as of today that they dont actually help with student loans. The company explained that I would make payments to them and after a certain amount Paid that they would take care of the whole matter
Consumer complaint received 2019-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST MIDWEST BANCORP, INC. (IN)

I'm tried to withdraw money from my XXXX account but I was using First Midwest ATM machine on XX/XX/2019 at XXXX XXXX. Their ATM machine jammed and didn't disburse the money but they had deducted funds from my XXXX account. I waited until they open at XXXX XXXX to try to get my money from them. They refuse to help me and told me to call my financial institution to file dispute claim which will take up to 10 business days to investigate and 30-90 days to put the fund back to my account. I need my money and I can't wait that long. It's thier ATM malfunction and they refuse to do anything at their end because I'm not the First Midwest customer but they deducted the money from my account and charged me XXXX for ATM fee.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I checked my credit report and found that some of the data were incorrect. XXXX is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-07-23
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: EQUIFAX, INC. (TX)

I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation, I asked to to do on false misleading and inaccurate information on my credit report.