davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was contacted by a lady, named XXXX, who introduced me to use this app ( originally, it was an XXXX  app called XXXX, then they changed the name as XXXX, now the XXXX  app is complete not working ) through XXXX. 
Later, they also gave me a website to trade cryptocurrency, https : XXXX  and later it was changed to XXXX XXXX XXXX. 

At XXXX, I was a little cautious, I only transferred a few thousand dollars, and I tried to transfer back and forth a few times, did not see any hiccups. Then I started to wire transfer from my bank ( Capital one bank ) to them, on XX/XX/XXXX, I wired XXXX XXXXXXXX ; on XX/XX/XXXX, wired XXXX XXXXXXXX ; on XX/XX/XXXX, wired XXXX  XXXX ; XX/XX/XXXX, wired XXXX XXXXXXXX, XX/XX/XXXX, wired XXXX XXXXXXXX. A total of XXXX XXXXXXXX were wired to them. 

Later in XXXX, I was trying to withdraw some money, but my withdrawal request was declined. I asked them the reason, but they did not provide a reasonable answer. I tried multiple withdrawal attempts, but I was never been able to withdraw any amount of cash. So I immediately led a fraud report through FBI website and reported the transactions to my bank ( XX/XX/XXXX ) just trying to recover some of my money. 

So far, it has been more than 4 months, I did not hear anything from any law enforcement nor did I hear back from my bank, although I have been trying to contact my bank 's fraud department about the progress, so far NO progress either. 

Just two days ago, the company 's website no longer exists, so did their XXXX  app. All of my hard-earned savings are gone, I even borrowed some money and carried a loan. It has been so frustrating for the last couple of months, I just want to see if there is any way I can recover some money.
Consumer complaint received 2018-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

Hi, In regards to our phone conversation I am emailing to dispute the unfair collection of {$1400.00} from me by XXXX XXXX college through XXXX XXXX XXXX. 

In my defense, I asked XXXX online chat assistant to help me with information about available courses for a XXXX program through XXXX XXXX College XXXX XXXX. Later that day the system was not working ( their online registration link ). I tried to register and was unsuccessful then I called XXXX help desk and found a lady who offered to assist me. 

In the process of registration she disclosed to me that it would be expensive to take just courses if I was not going to complete XXXX XXXX program. This prompted me to WITHDRAW all the courses she helped me register for during the phone conversation ( someone yesterday on call told me that he was able to see that I withdrew from the courses ) You can see attached Pdf too shows that courses were dropped. 

Further, XXXX has claimed to be sending me emails and mails in regards to this courses of which I never received any information from OCC via email or mail or phone. I am not a student at XXXX. 

I think this is unfair treatment by the XXXX college to force me to pay for classes I have never attended and a school I have never been a student at! The online customer service from XXXX should deceist from creating prospective students account numbers and registering them on courses against their wish. 

I will appreciate your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (IN)

Hey my name is XXXX XXXX These addresses does not belong to me listed below can you please remove them I havent been able to sleep at night. I writing you to let you know that u being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen and Im letting you guys let right now. You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy These are not my names ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX also these are not my addresses ( XXXX XXXX XXXX XXXX XXXX, Il XXXX Il XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Il XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name is incorrect when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. Please promptly remove all other names in addresses these other forms of my name in address are not correct historical data.Therefore, They must be removed please send me update showing address deleted thanks
Consumer complaint received 2019-03-28
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: Eagle Accounts Group, Inc. (NJ)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE XXXX, REPORTING ON : ONLY XXXX 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, XXXX, BALANCE : XXXX, REPORTING ON : XXXX 

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX 

ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX 

ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX
Consumer complaint received 2018-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am an identity theft victim, I had an account with XXXX XXXX deleted from my credit report in late XXXX, early XXXX. I recently discovered that the account has been added back to my credit report. In accordance with the requirements of the FCRA Transunion was supposed to notify me within 5 business days of reinsterting the account, but failed to do so. I demand the immediate removal of the account from my credit report.
Consumer complaint received 2019-03-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CT)

I am on social security XXXX l only make {$1300.00}. After my Medicare an medical l am left with XXXX my rent is XXXX a month. I never signed any parent loan also in my divorce decree the judge granted my ex husband was dissolved from paying any student parent loan then he also granted me the same. But my XXXX check is getting garnished an l cant get in touch with the IRS I need to talk to a human being. I filled out the paperwork 3 times since last XXXX. I really need help to correct this issue
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred, until they already take the money out of the account. 

Basically PNC is charging me for viewing images of checks. That is fine in principle. But the problem is that the consumer has no idea of what they are getting charged in total. There is absolutely no notice that tells the consumer how much charges they have incurred. The notice only indicates in a general way that fees will apply. 

For the last two months they have taken the following amounts out of my account : XX/XX/2018 SERVICE CHARGE {$350.00} XX/XX/2018 SERVICE CHARGE {$400.00} Yes that is right {$400.00} per month to see images of checks. Absolutely crazy. 

I complained with them and they did reimburse {$150.00} XX/XX/2018 SERVICE CHARGE ADJUSTMEN {$150.00} But then I got charged again on XXXX. This is absolutely unsustainable for me. 

No business can ever afford to pay that to see images of their checks. Some banks actually allow that as a free service. 

My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred. 

This is why it is such a shock to see {$400.00} taken directly out of the account for two consecutive months. 

For this I demand a full refund of {$610.00}.
Consumer complaint received 2018-10-24
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)

Inquiry-XXXX XXXX XXXX Inquiry- XXXX XXXX Inquiry-XXXX XXXX  Inquiry- XXXX XXXX Account - XXXX XXXX I tried contacting Equifax to have these fruadulent inquiries and account removed from my credit report because immediately and my mother live in a shelter got away from my abusive dad I told them he was fruadulently using my social security number for credit I even had a alert on my account XXXX found that out removed everything XXXX as well I have the provided documentation from them in the upload I need Equifax to removed them from my credit report as well
Consumer complaint received 2017-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an inquiry unauthorized inquiry from XXXX XXXX  which was made on XXXX/XXXX/2016. I checked my credit report, which I acquired from Transunion. I have contacted XXXX XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2022-06-17
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. (TX)

In accordance with the fair credit reporting act convergent account has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian 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 Experian XXXX XXXX Experian
Consumer complaint received 2022-03-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (MO)

I filed a dispute claim on transactions in my Robinhood account. They immediately assumed I was doing something out of their terms and conditions and dismissed my claims. I replied giving evidence that I was not violating their conditions but the next email I got dismissed the evidence and just repeated what the other email said. So I replied with the evidence and explaining why they should investigate my claim. After weeks of this back and forth and waiting for them to reply. I get a final email saying they can't help me with my dispute. They never even tried to help me or see my side they just kept dismissing me.
Consumer complaint received 2022-03-12
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. (NC)

XX/XX/22 - I sent a certified letter to Equifax requesting removal of unauthorized inquiries from credit report. I also asked that if they are verified to provide proof of any documents showing my authorization for the inquiries. 

XX/XX/22 - Received response from Equifax stating that all inquiries were verified and will remain on my credit report. The response did not include any proof show my authorizations for the inquiries.
Consumer complaint received 2019-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NY)

I began this loan in XX/XX/XXXX with Kia Motors Finance- my car payment is {$460.00} monthly. I have always paid more than my car payment on every payment I overpay at least $ 400- {$1000.00} Yet..I have been unable to access my online account with them since late XX/XX/XXXX. This is the ONLY platform I can pay my car payment without a processing fee. 

Therefore I have to ALWAYS pay a processing fee even when I want to pay fee free online because they refuse to give me access to their online account. 

Additionally XX/XX/XXXX I was offered a deferment on payments with a 14 day window from XX/XX/XXXX ( even though they claimed to have emailed it on XX/XX/XXXX ) toXX/XX/XXXX return the paperwork which I NEVER received. 

My email address and mailbox at my home has never received anything from them for this extension whatsoever. They still however reneged on it saying it expired being I didnt return the forms ( that I never received ) in 14 days. 

When I asked today, XX/XX/XXXX, if I can apply the extra money I've paid over the years ( they put toward principal ) toward the current balance of {$930.00} I owe currently I was told they can not even speak to me or do anything with my account until I make one payment. Mind you my last payment was XX/XX/XXXX of {$200.00} and before that was $ 2,200+ in XX/XX/XXXX enough for 5 months. 

I am currently out more money than I owe to this firm but am being treated like a crook. I loathe every interaction with them as they take NO accountability for any of their errors and hold customers responsible for them and even charge them fees just out of being unable to correct or explain why you cant pay online. Please help me.
Consumer complaint received 2019-03-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northeast Recovery Solutions, LLC (MD)

I am receiving phone calls from someone names XXXX XXXX with NRS Mediation claiming i owe money from a payday loan. I told her i don't owe anything for payday loans, but if she would show me any sort of documentation verifying this so-called debt i would be happy to review and pay off. She then threatens that i have been sent documentation many times, which i have not. Then threatens she will just file paperwork with court system to have my wages garnished. At this point i said if you will not show proof of debt i am hanging up, which i did. She is now calling my family members telling them that I need to call her back. This needs to stop. 

Persons name is XXXX XXXX, caller id says her number is XXXX, but when she calls my family she says to call her back at XXXX XXXX XXXX.
Consumer complaint received 2024-02-07
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

" " '' I have disputed this collection XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2024-02-07
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. (TX)

I do not recognize, nor did I authorize these companies to pull an inquiry of my credit report. 
XXXX XXXX XXXX inquiry date : XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-03-12
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. (OH)

I pulled my credit report recently and noticed that all of my accounts that had been included in the bankruptcy were still listed on my report and that I had addresses that were unknown to me on there no current information was listed on there such as employment and they are releasing medical information with third party companies that I am unaware of. It also has no employment information on my account as well and I work a job at XXXX XXXX  all the other jobs are old information over 10 years ago. everything needs to be undated INACCURATE ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX all the accounts will be highlighted on credit report as well its XXXX that are listed in the bankruptcy and the report XXXX XXXX needs removed never done business with nor should they have my medical info. 
all hard inquires removed except for the two open accounts
Consumer complaint received 2018-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHECK INTO CASH INC. (CA)

I apparently signed a document authorizing you to run my credit in error. I naively assumed the " consumer report '' you would be running would be thru a company like XXXX, as this is a payday loan involving a check as collateral and not an actual line of credit. I was surprised and upset to find it was actually a credit check ran thru XXXX. The build up of your hard inquiries has caused a dip in my XXXX of about 25-30 points. Causing it to be lower than my XXXX and XXXX scores which I've worked hard to build up. I know for a fact that I've received payday loans from your company in the past " in store '' and no credit report was ran. Is your policy different in store than online? At most I would expect a soft inquiry to be ran. Not a hard inquiry. Payday loan companies lure customers stating this is a loan that will " not '' affect our credit. But when you run hard inquiries every time we re-loan that DOES affect our credit negatively. I would ask that you kindly revise the inquires in question to " soft inquiries '' with the credit bureau so as to remove the negative impact to my credit scoring. Is that possible? I have been a repeat customer of yours over the years. But if this issue can not be resolved by revising inquiries to soft inquiries I will not be using you in the future. There are many pay day loan companies that do not run a credit check at all. I do not understand why your policy would be any different for the same product. The inquiries in question are dated below : Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 XX/XX/2018