davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
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 (NJ)

American Express Serve is a card used by XXXX while filing taxes you can choose to have refund submitted on prepaid card. Well on XX/XX/2019 I received an email stating that there was possible fraud on my account. I clicked the link that stated it was not me. Then I called American Express and let them know to cancel my card and dispute fraud. I was informed that they couldn't dispute charges because they were pending and since it's fraud it may not go through. Then on XX/XX/XXXX the charges totaling {$300.00} went through and I called and submitted dispute. They told me to upload verification form and wait ten days to receive provisional credit. Now it's been more than ten days and no refund. I called three times and now they are saying it could take up to 45 days. This is unfair practices and I need my {$300.00} credited back this is fraud and I am being punished.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

XXXX, Equifax, and XXXX are in clear violation of the LAW. Under 15 USC S 1681b -permissible purpose of consumer reports, The law clearly states the following, ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written instructions of the consumer ro whom it relates. Did I give any of those reporting agencies written instructions to furnish the accounts on my credit report? The answer is simply No. Furthermore, the Fair Credit Reporting Act 15 USC S 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report : Which would mean my Utilization was never supposed to be furnished on my consumer report ever.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I added a new credit card account ( XXXX ) and that account has been reported by XXXX to all the credit bureaus on XX/XX/2019. However, only XXXX shows this new account on my credit report. TranUnion and XXXX  do not reflect this account. 

I have called both companies to resolve the issue, but to no avail.
Consumer complaint received 2022-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have credit monitoring thru XXXX  due to the XXXX breach. Someone has been applying for credit recently in my name. One of the creditors applying for my credit report ( XXXX ) has verified that they had an inquiry done in my name and has had me fill out paperwork to have the inquiry removed from my report. CapitalOne Bank, however, has had two hard inquires into my credit reports, but maintains no records of the inquiry, so they tell me, and therefore I can not process the removal of the fraudulent inquiry from my report. The fact that the data submitted to the credit agencies seems to be fraudulent, but I can not verify that because CapitalOne does not maintain records of failed credit attempts.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc. (MT)

On XX/XX/2022, after 2 failed deposits in different amounts and 1 failed accidentally scheduled a deposit for {$1.00} my account was frozen, and my stock positions sold for a loss. I have called and called the number provided in the message that states the account it frozen. The number goes straight to voice-mail and I've left several messages. On XX/XX/2022 I called every number on the company website until I was finally able to speak to someone. They informed me that my account was frozen and I would have to wait for the risk team to sort it out and I was promised an email decision by the end of the day. XXXX I called again and was informed the account was frozen for 60 days. At this time i.also discovered my stock positions had been liquidated at a loss although my account balance was well above zero before the sale. On XXXX I called again, asking for a reinstatement of my positions or the ability to move my money out. I was informed again that the account was frozen and I wouldn't be receiving my gains previously made, just my initial deposit of {$960.00}, and not for 62 days, vs 60 I was told the day before. There is no reason my account should remain frozen, especially for 60-62 days. They also asked me to lie to my depositing bank and claim.i hadn't sent the {$960.00} in order to speed up the process of the return. I will not lie to my bank, nor will I lose the {$400.00} in gains that I made using the {$960.00}. My frozen account balance is {$1300.00}, and I shouldn't have to wait 2 months and/or lose {$400.00} because of a simple error in depositing funds.I 've cost no one any money, I've done nothing illegal, and I don't feel that selling my positions without my.permission is fair. The sale of all stocks resulted in {$190.00} in losses at the time, and untouched until present would have been a far greater amount of gains, costing me even more. I have begged, pleaded, and threatened legal action to no avail. Simply put, Sofi had stolen {$400.00}, locked up {$960.00}, and cost me and additional {$190.00} in just one day of unwarranted actions. In 62 days my {$960.00} is.supposed to be returned but I received a message today from SoFi explaining that it will take up to 180 days. The potential loss is exponential in 6 months time. I want my money, XXXX {$1500.00} returned to me immediately by check or as a transfer to another trading platform. I shouldn't have to wait 6 months for only a percentage of my money to be returned. I saved for a long time to have this money to invest since I don't have a retirement plan. This sets me back 6 months, but likely.much much longer. Stocks are at historic lows making for a.great opportunity that I'm getting robbed of because SoFi doesn't want to release my funds back to me or allow me to transfer my small investment to another brokerage.
Consumer complaint received 2019-04-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (TX)

I was contacted by my spouses 's brother and wife regarding phone calls from XXXX XXXX onXX/XX/2019.They had been receiving calls for about 6 months prior to this date. XXXX XXXX identified themselves as a debt collector, the name of the store card they represent and gave them my name. I am not associated with these family member 's and my personal business has now been shared with other family members, causing further hardship, anxiety and distress for my immediate family and I. I never gave this phone number as a contact number and it should have never been called. What actions can I take?
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (SC)

My rights under the FDCPA have been violated. This Law states that The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. This company is also in violate of HIPAA. 
Theses companies are in clear violation of this act : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (SC)

Last year I discovered several medical collections on my reports that I did not recognize. I contacted the XXXX XXXX of Georgia  hospital and after an investigation they concluded that they did not belong to me. A collection agency called XXXX XXXX was reporting the debts. The debts were removed in XX/XX/XXXX of last year. I have now discovered that another collection agency is reporting the same debt that I had removed. The collection agency is Phoenix Financial. I have never heard of this agency and they have never given me an opportunity to dispute the validity of these debts. If they had done so according to the FDCRA then they would have known that the debts did not belong to me and were removed from my reports. I was advised to dispute with the credit bureaus and file a complaint with this agency. This collection agency is using illegal tactics to get consumers to pay collections that they clearly DONT own and that they know they can not validate.
Consumer complaint received 2021-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OPORTUN FINANCIAL CORPORATION (CA)

Ever since I refinanced my automobile loan with Oportun they have engaged in very unorthodox lending practices and harrassment. I complained that they were calling me too much, so they completely stopped calling me to apprise me of important matters pertaining to my loan. I asked them why they were not contacting me when they falsely believed I had missed a payment and they said it because I told them to stop calling me. I explained that I did not want to be called 10 -15 times a day to remind me that my payment was upcoming. I asked to cease the excessive calling. Oportun would call repeatedly even after the payment was timely made. When I asked why, they said it was because it took a while for the payment to process. 

I have asked to be emailed or mailed bills, notices, inquiries and to this date, Oportun does not email or mail me any correspondence as it relates to my loan. When I ask why they claim they do not have my e-mail address ( no matter how many times I provide it ). I ask why they won't mail a bill or any other documentation and the representatives say they do not know why and will investigate. Oportun never e-mails, mails or calls me with a follow up. 

Additionally, Oportun routinely falsely claims that I am behind on my payments and when I ask for proof they state they will research and get back to me. They often claim that I had returned payments ( NSF ) and when I point out they are not being truthful, they again state that they will research it get back to me. They never respond about their false claims. 

On XX/XX/XXXX I called to ask why Oportun had not debited my electronic payment from my bank accoutn. I spoke to XXXX XXXX who stated that the notes said I am in bankruptcy so they could not debit my payment. I am not in bankruptcy, and even if I was, they were still authorized to automatically debit my monthly payments as I requested in XXXX of XXXX. Oportun debited ( electronically ) in XXXX of XXXX, but did not debit my XXXX payment. I asked to make my XXXX payment, and I was told that Mr. XXXX was unable to take the payment until the persons he escalated my complaint to could address the issue. 

I told XXXX XXXX that I would be reporting Oportun to the FTC and any other oversight agencies that deal with predatory lenders. The majority of the customer service representatives seem to be very inexperienced and somewhat fearful. They seem to lack knowledge about the company and the industry, in general. 

During covid, I asked for a forbearance and they fought me not to grant it. They finally gave me a one time forbearance, despite the covid protections that were then in place ( XXXX ). They once sent a repossessor to my home to attempt to repossess my vehicle! 

It is my belief that Oportun is intentionally trying to create situations where unknowing borrowers will default on their loans so they can repossess their vehicles.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

I have reached out to this company 2-3 times. They removed some of the information that was on there. I was not even old enough to have a account with the things that they removed. Now I am fighting to get the rest off. I am not asking them I am begging them I feel like I have no life at this point because I can't get anything done our even use my own name. I have written everyone I know how to write .I am so clueless & frustrated about this issue I am hoping this letter reaches the right hands. My last hope is to reach out to the news station & social media if I can't get help from this letter. I am sending ALL of the paperwork that I have I was in XXXX when these accounts were open. I walked in on my husband & sister having XXXX I hit him in the head with a bat she ran out the door I couldn't get her. The police were called I went to jail, this is " NOT '' the first time that my sister has used my information. I went through XXXX trying to clear my name with credit card companies last time & I finally did. I am sending information showing & proving that it was no way possible that I could be in two places at one time. I am not asking I am begging that you please remove XXXX XXXX, XXXX & XXXX XXXX I ( DID NOT ) HAVE these account I have never had a account with them. It is impossible for me to be in two places at one time a XXXX is XXXX down unless I had a clone or turned in to a ghost. I received 6 years in XXXX for XXXX XXXX on a family member. I just recently was released in XXXX I am still working on other banks & credit cards to be cleared my cousin has helped me a great deal while I was XXXX  reaching out to most of these companies. I am reaching out to all of the company 's that are left on my credit file & my bank report. This is horrible I feel XXXX & robbed I can't even use my OWN name. I am taking ALL of the precautions I put a block on my credit report, filed police reports, flagged my name with every company known to man. I was brought up in a family where I had lights in my name at the age of 6 years old. Right now I am trying to piece my life back together about some of these companies treat the VICTIM like the criminal this is just outrages. 
My sister name is XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX ... If it was not for my cousin helping put blocks on my info while I was in jail I don't know where my life would be right now. I just want my OWN identity back PLEASE.. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx XXXX
Consumer complaint received 2019-04-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (CA)

I called XXXX XXXX three days before my bill was due. Due to unfortunate circumstances, I am not gainfully employed sufficiently to make the payment. I requested a deferment of my loans while I work on resuming gainful employment. The agent on the other hand said that they would need time to research deferment of my loan. I told the agent that the payment date was due in a few days, and I needed to avoid defaulting or getting a late payment charge. The agent told me not to worry, and that after he had finished his research it would be easy to rectify any late payment. I waited out the three days without hearing a word back from the company. I called today to discuss the matter with them, and they continued to give me the same run around. They said that they hadn't completed their research, and that they would need five more days in order to get  back to me. The agent then tried to sell me on a different payment plan, that would have resulted in exorbitant additional fees to a former student already struggling to make payments. While I continue to get told that they are researching the matter and that they will get back to me in an ever increasing number of days, the account is not showing as a late payment, with tacked on late fees, and they are going to proceed to ruin my credit. I have always made my payments on time, or in excess of the amount necessary, unfortunately I am not in a financial position to do so at this moment. I feel their practices are predatory and are designed to financially punish students through deceptive practices, rather than assisting students to successfully repay their loans, and it is through their deception that payments go into default or show up as late on credit reports. Researching a deferment shouldn't take 8 days. They have obviously studied the laws and worked diligently to try and work loopholes in the system that work against the citizens in favor of their own corporate greed.
Consumer complaint received 2019-04-17
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. (TX)

The Equifax website at https : //www.equifax.com ( and all pages therein ) are stylistically and programmatically broken allowing no way to access account information, review freezes/locks, file/check on disputes, and more. 

This has been the case for over a week yet Equifax is unavailable for commenting. 

They appear to be using XXXX as a customer support and ticket service judging from the number of recent tweets from general users and responses by the company. 

This can be observed at XXXX XXXX XXXXXXXX  where there is a constant stream of users seeking assistance for issues they'd otherwise resolve via equifax 's own website. 

With that said, I have been unable to file a dispute with the company nor access my annual credit report for over a week. 

How is this company still in such a position to report on and maintain critical financial histories on US consumers??
Consumer complaint received 2024-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-15
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. (TX)

Mansions of XXXX XXXX XXXX XXXX XXXX placed the exact same bill with two different collection agencies causing two bad reporting remarks on the credit bureau. I have spoken with XXXX/ XXXX XXXX management on many occasions who states they will correct the problem. The accounts are still placed with two separate agencies. I have requested for Trans Union to  investigate and remove double marking for the same bill and nothing gets done. This has been an issue for almost 2 years now. I am trying to purchase a home and will pay the past due amount but can not pay twice. This should be a credit reporting violation and no one is assisting with resolving the matter.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX I contacted Transunion to dispute the dates on collection account. They replied XX/XX/XXXX, after 30 days and stated they meet FCRA requirements. I contacted Transunion on XX/XX/XXXX, and the representative stated " I don't have verification of your account the collection agency and send us proof ''. He stated they got my information from XXXX XXXX XXXX. He also stated, Transunion is not violating my rights by not showing me validated proof of the account. The Transition representative refused to remove the account.
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

We are trying to pay our monthly mortgage payment with extra principal amount in two payment each but Mr. Cooper our mortgage company is not applying our payments correctly. On these dates XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX we paid our monthly payment but it wasn't applied until the XXXX of the month. They are holding our payments in an unapplied funds account until the XXXX of the month. We have spoken with them many times but they refuses to apply our funds properly because they are trying to prevent us from payoff our loan before the time. We don't have a penalty in our contract on pay off our loan before the maturity of the loan. We want Mr. Cooper to applies all our payments and to stop calling us between the XXXX of each month and the XXXX before our mortgage is late.
Consumer complaint received 2022-10-26
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. (FL)

XXXX, XXXX. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, XXXX and TransUnion, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you XXXX  XXXX. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. USDOE/XXXX Account no : XXXXXXXX XXXX XXXX XXXX account no : XXXX, DP OF EDUC account XXXX : XXXX, US DEPT ED account no XXXX, XXXX XXXX account no : XXXX,