davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions 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 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I've had problems getting in contact with anyone at Equifax to get my online account working. This has been going on for years. You can't talk with anyone directly unless you answer security questions to verify your identity and I've done this multiple times ( answering the questions correctly ) but still can't get to anyone. They say to mail something but even when that is done my account is locked. 

I just want an agent to contact me and work thru this so I can do things with my credit service. I feel they intentionally many communication difficult or impossible so they do not need to work with consumers. I'd love to opt out and have all my info removed from there site since they are such a bad company. I DO NOT have this problem with XXXX since they actually provide customer service.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: E*TRADE BANK (CA)

I opened multiple accounts with ETRADE back in 2020 ; savings account, and accounts to trade stocks. Thursday XX/XX/XXXX I requested funds to be transferred out of my account and into a bank account I provided ETRADE the information for the wire. This transaction has yet to take place. I was told the account will be under review for 24 hours and would be released after that. At this point, 12 days later, all of my accounts and funds are not accessible. It has been requested of me by ETRADE to provide identification, a letter of intent and various questions be answered so they will release my funds. These requests have been completed multiple times, multiple representatives in the account activation department have been talked with, XXXX. Every time we talk I provide what they ask and I am told they will call me back. I have requested to be transferred to a manager or a person that can resolve the matter. Every time I get the same answer, there is no one they can forward me to, the account is in the back office for review, they have all the information they need and will call me back to resolve the matter. 

At this point I am unable to even log into any of my accounts, I can not see what is being done with any of my money, I am unable to trade any positions of stocks I hold. 

I need direction on how I can proceed to get my money from them. Currently they have {$130000.00} held where I can not even view it.
Consumer complaint received 2022-04-12
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 — 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 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX acct # XXXX, XXXX acct # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] :
Consumer complaint received 2022-04-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

Hello My mortgage servicing company is Specialized loan servicing company. I have tried to work with them for the last 4 years avoid Foreclosure I submitted over XXXX no modification packages in SLS continue to state that it was incorrect because the system did not recognize my handwriting or did not recognize that that document was the correct document I even work with XXXX XXXX organization organization XXXX XXXX. They continue to give us the runaround to the point there was nothing else to do back in XX/XX/2020 I pay the {$40000.00} to save my house. In the month of XXXX I missed a payment I called to be put on a payment plan for only XXXX months the guy did my paperwork. they draft the money out of my account but continue to send the link for the letters. I called to inquire about the letters and they stated that they saw the payment plan but the system sometime didnt update and therefore I had to do another payment plan which increased my payments additional {$400.00}. Now Im paying XXXX on a XXXX mortgage. I asked for a forbearance and hardship assistance. A representative will state that I will receive a letter, and I never received a letter. During height of Covid-19, I asked and never received assistance and a letter of explanation.SLS company system scanner doesnt recognize sent documents correctly. This process has caused deep XXXX and XXXX
Consumer complaint received 2022-04-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

According to Fed loans, I do not qualify for forgiveness. They have said that I only have several payments towards the forgiveness and are not counting previous payments I have made though the years. My original loans were for approximately XXXX and I current owe XXXX! Although my salary may look high on paper, with inflation and the cost of my travel to work, including gas and tolls, I can not afford to pay the estimated XXXX. 
I am in debt and literally can not make ends meet and they have been raising the cost on everything and expect us to pay more!! I can not do it and it is not fair, I have been a XXXX XXXX XXXX XXXX teacher for XXXX years. We should be getting credit for that. Not to mention all the fraud I hear about from people who lie about being XXXX. I want to file a complain with the president but he is worried about things that have no importance. We are at the brink of war and student loan debt that will only get worse since so many can not pay it back when payments are reinstated. How do they expect us to live!!
Consumer complaint received 2022-01-30
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: Experian Information Solutions Inc. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

In XXXX I run into a problem with Equifax when I applied for a mortgage loan. I contacted Equifax and after more than XXXX calls they asked me to mail over to them a letter with a copy of my driver 's license and other ID in order to fix my file as the bank could not obtain my credit score. I mailed all the required documents to XXXX immediately. 

On XX/XX/XXXX, I applied for another loan with XXXX XXXX XXXX XXXX and they also could not obtain my credit score from XXXX. I called today XX/XX/XXXX, and talked to their XXXX XXXX XXXX department. After XXXX phone calls, someone was able to identify that the same problem still exists and again they are asking me to mail a letter with my IDs. This is unacceptable and is costing me money and needs to be fixed immediately.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (IN)

They are reporting false information..this was an account I was using to build my credit and by the time I closed it it was paid to debt..its not like they give you the loan.it just reports on your credit while I was making monthly payments and its incorrect that it reports as delinquent
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (CO)

I switched bank accounts after the federal ACH payment direct deposit change date for the Social Security Administration ( SSA ). My XXXX was routed to First National Bank of Omaha ( FNBO ) where the account is closed. Alerted this bank on XX/XX/year>. However, FNBO said they did not have the money ever and that I would have to wait 2 days for them to return it to the SSA. Last time I checked FDIC regulations that is illegal.
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have disputed the referenced accounts to the XXXX 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 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 2022-04-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX XXXX XXXX  made a mobile deposit of a check {$300.00}. This check was deposited and available in my account balance yet chase had restricted my account on the basis they needed an phone number to be listed on the check that was verified by them. I called several times to give them several phone numbers and they rejected all of them on the basis they were not registered in their system. The check cleared was valid and did not get flagged it was verified it self as genuine yet chase wanted a number that did not exist. From this point I did not know what to do and waited. On XX/XX/XXXX chase closed my account and the statement said " DEBIT DDA - CHECK CHARGE '' I have read online from reliable sources that this means they confiscated my money and closed my account because the information they asked for was impossible to provide.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (NV)

Chime Bank prepaid account XXXX XXXX prepaid debit account Dated XXXX XXXX XXXX Amount {$1300.00} XXXX  XXXX XXXX XXXX The actions were taken by account owner to contact bank for a replacement debit card for both accounts my data, phone calls, emails and messages have been redirected XXXX XXXX is a witnesses consider to be responsible party to the victim record show a switch that has been downloaded and is punishable by the law and is considered to injustice
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Dear Sir/Ma On the XXXX XX/XX/2022 I transferred {$1000.00} on the citizens bank app through XXXX  to my sister ... and the payment failed but citizens bank have refused to refund my money even till now. 

It is almost 2 weeks now I have called the customer service representative couple of times all to no avail. 

I visited the branch at XXXX on Thursday XX/XX/2022 still nothing is been done to the injustice. Attached are the statements I pulled out of the citizens bank app. 

I also attached the payment failed screenshot. 

Your prompt action is highly appreciated. 

Thank you!
Consumer complaint received 2022-04-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I contacted XXXX and the basically said if pay for their monitoring service then they would consider my request more seriously other than that they wanted more proof that I was me I am attaching exactly the letter that I sent to them along with my ID. I want this resolved as soon as possible
Consumer complaint received 2022-04-12
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I could progress with purchasing my first home XXXX reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I noticed these fraudulent reportings on : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (NC)

1. In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.1

5 U.S.C 1681 section 602 A Section 2.I have the right to privacy.

3. 15 U.S.C 1681 Section 602 A. Section2. It also states a consumer reporting agency can not furnish account without my written instruction.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP (AZ)

On XX/XX/XXXX and XXXX, US Bank ( XXXX ) XXXX out of XXXX, XXXX called my phone however I didn't answer. I don't have any financial products with them so there is no reason for the call unless they are trying to sell me something. I checked my credit report this morning ( XX/XX/2022 ) and US Bank ran my credit. I know I have a freeze on my credit due to previous possible fraud, so they have to verify it was me. I called US Bank this morning and they said they never ran my credit. So how did it get on my report? 

Also, XXXX XXXX ( XXXX ) XXXX out of XXXX XXXX  called me the same day and I talk to one of their representatives a specifically told the I am not interested in any loan products. I looked at my XXXX credit report and they also ran my credit. When I called them I was told they run your credit first and then call you for permission to run. What? So again what's the purpose of a credit freeze if they are allowed to run your credit without verifying it's you? 

How many other companies are doing this?