davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (CA)

I believe some identify verification information may be incorrect, because Im unable to access my credit report online. I called Experian to get help with this, and accidentally froze my credit report from their XXXX  XXXX, and now I cant unfreeze it because I cant log in and though their phone recording and web content say you can unfreeze via the phone, there is no actual way to do so via the phone numbers provided. 

Ultimately, I want my identity information corrected so that I can do online ID verification for this and other unrelated services that rely on credit check for login, but I imagine I have to unfreeze my report first. 

Thank you.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: ROBINHOOD MARKETS INC. (NJ)

I filed a previous compliant about this ( XXXX ). XXXX failed to address this even after I filed the compliant. The issue is that someone opened an account at XXXX with my email address. I notified the company that I never opened an account and it must be fraudulent. They never did anything about it. Today ( XXXX XXXX, 2022 ), I received an email saying my account has been restricted ( five months after I notified the company of this ). This is outrageous that the account wasn't closed already or dealt with appropriately. XXXX is very difficult to contact or to deal with. They have brushed off my concerns repeatedly. I question the quality of their security. I hope the CFPB can look very closely at this.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I sent a letter to Experian regarding previously disputed XXXX XXXX account number****. This account was previously deleted on XX/XX/XXXX ( see attached ). And when I pulled my new consumer report on XX/XX/XXXX, I see that the previously deleted item was reinserted on my consumer report, but I was not notified in writing within 5 business days that it was reinserted back on my consumer report. As of today, it has been over 30+ days later and I have not received a written response yet from Experian. I feel like I'm being taken advantage of and being ignored by the credit disputes. This clearly violates my consumer rights that is protected by FCRA 611 ( A ) ( 5 ) ( B ) ( ii ). Section ( B ) ( ii ) states : Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I demand that this account be DELETED immediately or I will file for ligation due to defamation of character, stress you have caused me and {$1000.00} for each violation that I'm entitled to under 15 U.S.C 1681I.
Consumer complaint received 2022-02-18
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. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX/DEPT OF ED : XXXX -- -> : {$1800.00} XXXXDEPT OF ED : XXXX -- -> : {$3300.00}
Consumer complaint received 2020-02-01
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: AMERICAN EXPRESS COMPANY (IL)

I originally purchased a vintage cd rom reader from an XXXX user named " XXXX XXXX '' or " XXXX '' for {$180.00}. The merchant had a return policy window during which the buyer could pay to return it for a refund. The item did not read cds properly. I received error messages, so I contacted the merchant who told me to return it for a refund. I paid to return it, but the merchant refused to refund me. The item was sent XX/XX/XXXX and delivered XX/XX/XXXX. The ups tracking number was XXXX. Then I contacted the credit card company American Express to initiate a dispute. I told them that the item had been returned to the merchant, but I did not receive my refund. The dispute was received on XX/XX/XXXX. They closed the dispute in the merchant 's favor and claimed the item was " damaged. '' I reopened the dispute and told them the item was not damaged when I sent it, and I returned it in the same manner I received it. The item already didn't work properly which was why I returned it. My reopened dispute was received on XX/XX/XXXX. Apparently this dispute was also closed, but I received zero notice of this. I happened to notice it was closed when I checked my disputes today on XX/XX/XXXX. When I called American Express they told me they had again closed the dispute in the merchant 's favor because of " damage. '' Again, I told them that I had no knowledge of how this may have happened if it indeed did happen. I explained that I shouldn't be paying for an item that is not in my possession and that has been returned with proof of delivery. They decided to again reopen the dispute today on XX/XX/XXXX mostly on information I had already provided previously. I currently await a resolution to this matter with no exact date, but I find it troubling that American Express is trying to hold me liable for a returned product that was defective. It is also very disturbing that they are deliberately siding with the merchant and their claims of " damage '' over myself, the customer, who already told them it was not damaged. By this logic American Express will take the side of any merchant against the customer for any return based on whatever claim made by the merchant. I shouldn't be forced to pay {$180.00} for a product I do not have in my possession, and I am hoping they will eventually realize this. If not then I'm hoping this letter I'm writing the Consumer Financial Protection Bureau will prevent this unlawful action of American Express. The uploaded documents include XXXX proof of delivery XXXX picture of product with price XXXX picture of return policy
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2018-05-05
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: BB&T CORPORATION (GA)

This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.
Consumer complaint received 2018-05-05
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: JPMORGAN CHASE & CO. (GA)

This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

My student loan servicer is Navient. Their website has offers no way to do an additional payment ( in addition to my monthly regular payment ) online, making it unnecessarily difficult to send in an extra payment and to make sure that it goes directly toward my loan 's principal. My wife uses a different servicer, and it is clear and easy to make an additional payment.
Consumer complaint received 2019-03-23
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. (CA)

Chase has allowed merchants using cards that were closed for fraud to charge against my current account number. 

They failed to properly investigate fraudulent transactions. Made claims after getting statements in writing that there was nothing they could do as the window had expired. The reason the window of eligibility expired was due to their mishandling. 

I have submitted documents, spent well over 4 hours on the phone with completely inept personnel who simply repeated information in the face of overwhelming empirical data contradicting their statements. 

I have over {$2500.00} in charges that need to be removed from my account. These were made without my authorization on stolen cards or on cards that Chase had closed and replaced per their procedure. 

Their executive staff claims to investigate these issues, yet I have no way of contacting them. I am left with no recourse except for civil action.
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Amsher Collection Services, Inc. (TX)

I have requested a validation of the debt and disputed the validity of this debt. I sent it via certified mail return receipt requested to the attorney that Amsher Collections allegedly referred my account out to, and I have yet to hear back. the certified mail number is XXXX XXXX XXXX XXXX XXXX sent to XXXX XXXX, Attorney at law in Alabama -- she isn't even licensed in the state of Texas to sue me. But I was told that my account has been sent to this attorney for a lawsuit by Amsher Collections for an account owed to XXXX XXXX. I have not had an account with Charter communications since well before my son was born, as this was who I was required to have cable with when I lived at XXXX XXXX XXXX XXXX, XXXX Texas XXXX. My son was born on XX/XX/2013 and we haven't lived there since then. 

I want this removed from my credit report immediately.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CO)

It's been quite a few years about 4 to be exact when I first started noticing having problems with certain things like me getting confused with another person at first I thought it was just me I was just random then I started noticing certain charges certain accounts open and my name certainly mail coming to my address that I never knew what was going on I started contacting the appropriate places nothing ever got done I ended up getting XXXX   for a XXXX XXXX later to find out when I asked for XXXX  I seen multiple things on there that I didn't recognize when I got out I pursued complaints with the FTC I thought that's where I was supposed to complain I never heard anything back XXXX never heard anything back my concern is I recently started looking into my credit because I needed to get an emergency loan for XXXX  XXXX and now I've been denied by every place you could imagine when I just need to have XXXX done and I need legal help and I've reached out to banks loan companies everywhere to try to get a loan to get emergencies taken care of my credit report showed things on there that were inaccurate and when I disputed them immediately they told me that they would delete them and I even have screenshots of showing they're supposed to be deleted yet when I go on XXXX   or XXXX XXXX  still has them on there as if they're still new but one site has them deleted and then I contacted XXXX   XXXX  told me I was part of some data breach so I signed up to be in part of the settlement I don't even know if that's true or not The bottom line is all I've tried to do was get credit fixed all I've tried to do is get in to have XXXX done I don't have money to do it I'm in the middle of a bunch of complaints with medical departments because I'm pursuing a lawsuit because I'm XXXX  XXXX I'm on a time limit and no matter what I keep running into this where I can't get a loan from any place and it's due to these inaccurate things in my credit report some of them are mine and I will have tell you which are mine and which are not But most of these I have either settled or I was insurance or I have recordings of talking to the places where they told me a different prices were supposed to be paid The whole thing is it's so inaccurate I don't know what to do anymore I need a loan and no place will help me because of this no one will talk to me because I can't communicate on the phone cuz I don't have the phone and I need someone to contact me or help me get a loan and I can't do it without this credit being fixed bottom line I don't have any credit I've never had a loan I've never applied for anything in my life and I need help I have a few days left to save my XXXX   but I can't get anywhere unless I pay for the XXXX or get the help pursuing a legal action with these medical companies I have proof and documentation I need to know what to do
Consumer complaint received 2018-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NJ)

This company has placed TWO things on my credit report that are fraudulent. I NEVER received any notice that this company was going to place anything on my credit reports. Ever. Those " debts '' they placed on my credit have not been validated. Although, they claim they are valid. I would like VALID proof that these are my debts. Such as my signature on any ORIGINAL paperwork, video footage of me receiving any products/services. I have disputed this information time after time and they keep saying they're valid. I need proof of this ASAP. 

They also stated that the debt was valid on XX/XX/XXXX but after having to pay for credit reports I found out it was supposedly from XX/XX/XXXX/XX/XX/XXXX. Very crooked practices.
Consumer complaint received 2021-05-28
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: ONLINE Information Services, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-09-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC (GA)

The main complaint is that this company is, has and will continue to use deceptive and misleading practices to collect debt in the State of Georgia, they do not have a certificate of authority to do business in the State of Georgia. Additionally, they are using their deceptive and fraudulent practices to negative impact the credit reports and scores of the consumers it interacts with. 

The company is not authorized to do business in Georgia, but fraudulently collected monies from me and continues to report erroneous, inaccurate and negative information to the credit bureaus. Consequently, I have been negatively impacted, denied credit and suffered harm.
Consumer complaint received 2023-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

On XX/XX/2023, I received an email from The Department of Education advising that my student loans were approved to be forgiven under Exhibit C of The Sweet vs Cardona Settlement that was finalized in XX/XX/2023. On XX/XX/2023 I contacted Navient to follow up on this matter as I have not received notices or updates from them. I spoke with a supervisor by the name of XXXX, Employee ID : XXXX who advised she knew nothing about the settlement and that they had not received any information. I uploaded the letter to my outbox portal while on the phone and allowed her to review it and she acted as if she didn't know this information and provided no assistance. I then followed up with The Department of Education the same day and advised them of the information Navient provided. I was advised that the email that I was received was correct and I should see things finalized in the next couple of months. Today I followed up with The Department of Education and requested a supervisor as I was not offered much assistance and given the runaround as usual. I spoke with XXXX a supervisor in length and shared with her the difficulties that I have been experiencing. The US Department of Education/Navient is Not Discharging Loans Under Sweet vs Cardona Settlement as the email advised.
Consumer complaint received 2023-04-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (TN)

I was involved in an accident that was NOT my fault and had to be transported to a large hospital via air ambulance. The case against the party at fault is pending litigation and The original bill was sent to collections for 12 % more than the original bill. They have sent me nothing the verifies I owe this debt to them and this is a HIPPA violation. I would like this immediately removed from my credit report as they have failed to provide me with any supporting documentation.
Consumer complaint received 2024-03-04
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, DEPT OF EDUCATIONXXXX # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

In XX/XX/XXXX I needed to find some cash to pay off a high credit card bill and paint my house as it was in bad need. I called my mortgage lender Quicken to discuss my options. After several days, I was told I because of the amount of cash I needed my only option besides a ARM was FHA due to the loan to value ratio since my house didn't appraise high enough for a Conventional loan. Never at any time was a home equity line or second mortgage offered as a solution. After consulting with a few mortgage professionals I feel Quicken Loans did not fulfill their fiduciary duty of providing me with alternative loan options to the FHA loan they sold me. It has been brought to my attention that a home equity line of credit ( HELOC ) would have clearly been a better option. Quicken Loan took me, a repeat client, from a rate of 3.875 % ( 30 year fixed with 28 years until payoff ) to a 30 year fixed FHA loan with a rate of 4.75 %, hard costs of {$5100.00}, and monthly Mortgage Insurance of {$190.00}. In simple terms I paid {$5100.00} in fees, am now paying {$430.00} more a month, and reset my amortization term to 30 years to get {$22000.00} cash out. This does not take in to consideration that I am now paying approximately {$280.00} more in interest per month. Additionally mortgage insurance isn't a tax write off as with the interest from a second mortgage.