davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I Sent in a dispute to experian, XXXX and XXXX inregards to errors on my report, that is reporting incorrectly.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
I haven't Received no physical document of debt or corrections
Consumer complaint received 2019-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I disputed a fraudulent cc on my credit report and they said it was resolved which is far from the case. I never opened a capital One cc in XXXX of 2018 and its showing delinquent on all 3 credit bureaus. I want the cc closed and something done to investigate who opened this cc and I want them prosecuted. Please help me with looking into this. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2019-04-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-30
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. (TX)

I Sent all the proper docs to XXXX and XXXX and they still have not remove the accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have call multiple times for the past two months to get this handle
Consumer complaint received 2021-02-16
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. (MI)

FIFTH THIRD BANK-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations. 

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

XXXX XXXX I sent {$4000.00} USD to a XXXX XXXX XXXX in XXXX. She was working for a XXXX XXXX XXXX XXXX XXXX. The money was for a XXXX XXXX. 
XXXX XXXX XXXX did not have the proper identification to receive the money from PayPal. I filed a dispute with XXXX XXXX, which put the money back into my account. So, I sent the money via XXXX XXXX to another individual at the XXXX XXXX so that it was available for XXXX XXXX. Here 's the problem, PayPal will not refund the {$4000.00} USD. I have spoken to several supervisors and always gotten excuses to not return my {$4000.00} USD. About two months ago, I spoke with a supervisor at PayPal named XXXX, she told me to send a document that XXXX XXXX  has closed the dispute and she would personally have my money returned ; I did that and no money returned. 
I then called PayPal and spoke with another supervisor named XXXX, he is now telling me that I need to contact XXXX XXXX XXXX and have her contact PayPal and have them return it from their end. I do not have contact information for her to do this. I made this know to XXXX. He said he couldn't help me. I lost my composure and hung-up on XXXX. Before I did I told him I was going to hire an attorney. But, as we know getting one to go against a company like PayPal is impossible. 
Also, every supervisor I spoke with, I requested to speak with a manager and was refused??? 
I am at my wits end with PayPal as they keep making excuses to not return my money. I even told them to return it and charge me a return fee ; that option was not available PayPal has successfully destroyed my banking with XXXX XXXX. I have had to use another bank to conduct my personal affairs. XXXX XXXX  has closed my checking account, they also want me to pay over {$3100.00}, I had over {$800.00} when they debited my account for over {$4100.00}. 
So, I am appealing to you for help in recovering my {$4000.00} USD  from PayPal.
Consumer complaint received 2022-04-28
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. (MA)

I received notice from XXXX XXXX XXXX that I was being denied for a variable rate XXXX loan Application ID XXXX on XX/XX/2021. 

I immediately contacted XXXX who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with XXXX again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I received notice from XXXX XXXX XXXX that I was being denied for a variable rate XXXX loan Application ID XXXX on XX/XX/2021. 

I immediately contacted XXXX who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with XXXX again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.
Consumer complaint received 2019-07-15
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: CITIBANK, N.A. (CA)

On XX/XX/2019 I tried to do an online request of line if credit increase. The website said that a credit report wont be pulled. My credit line increase was declined and the bank sent me an email of the credit limit being declined. On the same day someone from the the credit card company pulled my credit report and increased my line of credit without my concern. After calling the bank the refused to remove from the credit report and keep on telling me to file a dispute with the credit bureau.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, I observed a deduction of {$820.00} check in my checking account with Bank of America. I attempted to stop the transaction the same day, but the fraud claim department had stated that the stop can not go through because someone had cashed in the check. On XX/XX/2019, I received a letter from bank of america and a copy of this forged check ( see attachment ). This unknown suspect was able to tamper an old check of mine ( check # XXXX ) and changed the check number to check # XXXX, the date, amount, and the payee. Currently in my possession, I have check number XXXX untouched. I have filed a police report on XX/XX/XXXX-19 about this forgery and I have also called the bank of america fraud claim department numerous times and faxed them the evidence and the police report. It took approximately 60 days to resolve with me constantly calling them for a status report and with no answers. I finally received a letter onXX/XX/2019 from bank of america denying my claim because the signature is consistent with the account. The problem is that they didn't investigate how the check number XXXX doesn't match the one I currently posses ( a blank check ). The check was clearly forged by the suspect and used an old check of mine, which clearly still has my signature to produce this other check. It took them 60 days just to say that signature matches the account, while they didn't investigate it further and try to see that the check was clearly tampered with.
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX We disagree with the balanced noted on XXXX   and Experian noted as {$38000.00}. The account was open in 2006, we need to see the past 7 year history.
Consumer complaint received 2018-04-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CO)

CitiBank/CitiGroup has instituted a policy that incorporates monitoring and denial of financial services to individuals and companies who are engaging in completely legal and Constitutionally-protected activity, thereby potentially limiting access to credit by law-abiding citizens based solely on political views. A summary of this policy can be found at XXXX XXXX XXXXXXXX.
Consumer complaint received 2019-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I applied for the XXXX with Navient and it was approved XX/XX/XXXX and then they made my payment due the very next day XX/XX/XXXX. They didn't even give a chance to check my email before they made me past due in the amount of XXXX. On top of that my previous XXXX plan was not due to be renewed till XX/XX/XXXX so I lost a month of paying XXXX dollars to being past due and late. The only option I was given when I called customer service was to put the XXXX bill in to forbarence. This seem wrong they should of given me time to prepare for this payment not just XXXX hour.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SOFI TECHNOLOGIES, INC. (CA)

XX/XX/year> - create a new account, deposit a {$10000.00} personal check made out to me and a second {$5000.00} check made out to me. 

XX/XX/year> - see my account locked in app and {$5000.00} deposit no longer seen. Call number shown on app, told one check is under investigation but the rep isn't sure which one. I'm told to just keep checking the app. 

XX/XX/year> - called in evening the two deposits were confirmed to show even though i still can't see the {$5000.00} deposit, but the reason the account is locked isn't available, told to call back and speak to internal investigations after 8am eastern. 

XX/XX/year> - called and rep refused to allow me to speak to internal investigations, told me {$5000.00} check doesn't show on my account anywhere after waiting on hold many times finally told I just need to wait. I asked for my money back and told that isn't possible while investigating. I asked to speak to a superior the rep spoke over me and hung up. 

All I want is a little transparency and consistency. I need to know what's going on with my new account and deposits, they have not provided that information and I now feel it was a mistake choosing this institution.
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (UT)

Great Lakes indicated that my application for Borrower Defense was denied by the US Dept. of Education without giving me further details.

The US Dept of Education has responded to my inquiry concerning my borrower defense application as follows : Dear XXXX : Thank you for contacting the U.S. Department of Education 's office of Federal Student Aid. We have received the additional information you provided regarding your application for borrower defense XXXX. Please retain this number for reference. 

You had 2 cases closed that was duplicate cases, your original case is still open. 
The status is pending review. 

You will be notified once a decision has been made on your application. 

If you have questions, you may respond to this email or call our borrower defense hotline : ( XXXX ) XXXX. Representatives are available Monday through Friday from XXXX XXXX XXXX XXXX XXXX. Eastern time. 

Sincerely, U.S. Department of Education ( ED ) Federal Student Aid Borrower Defense Unit *To respond to this email, please reply to this email thread without modifying the Subject line. That way, your response will automatically attach to your application. * I would like Great Lakes to explain why I was told that my borrower defense application was denied. Great Lakes is nothing but fraud and does not maintain accurate information on my student loans
Consumer complaint received 2019-09-21
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: JPMORGAN CHASE & CO. (MA)

XX/XX/XXXX {$27000.00} XXXX XXXX  XX/XX/XXXX {$330.00} XXXX   XX/XX/XXXX {$300.00} XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX   XX/XX/XXXX {$530.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXXXX/XX/XXXX {$360.00} XXXX XXXX  Fraud Charges made on my credit card.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/year> my primary checking account was frozen and placed on restricted access. I placed XXXX phone calls to the support line that told me that they couldnt do anything and that the security fraud team was going to review it and that I just have to wait. I called again in the morning and was told that there was nothing I could do and that I just had to wait. I asked to speak to the supervisor but was told that there was no supervisor and that she was the last line of support I could speak to. I asked to speak directly to the security fraud team but said they dont contact the public and dont have a phone number. After that I was given no more information and she hung up on me. I wasnt done talking and was hung up on. This is my primary account and I need to pay my bills and my rent. Its very frustrating and the lack of customer service is appalling.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CT)

I sent in copies of my irs letter and police report showing proof that this account is not mines and was open fraudulently and they refuse to remove this debt of ny credit report. They are reporting a name that I never had under my social
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

I have a student loan for the amount of XXXX loan the first servicer was nelnet but is currently with XXXX nelnet still have it open on my credit report as well as XXXX nelnet did not close the account causing it to be added twice on my credit report nelnet needs to close the account it makes it seems that I have XXXX in students loans when I only have XXXX causing my credit score to drop.
Consumer complaint received 2019-07-02
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. (WA)

XXXX ; XXXX  and Transunion are reporting incorrectly medical collections partial account numbers XXXX. Please see pages 18 and 19 of the attached credit report. I have exceptional medical insurance and all medical expenses are covered. There are no outstanding medical bills that I owe. This is clearly a billing error on the part of the medical facility that is reporting these collections. Please see attached copies of my health insurance information. This inaccurate reporting is harming my credit score and these collection line items need to be removed from my credit report.
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (SC)

The loans were paid in full and removed due to them being my daughter 's student loans and they appeared on my credit that has now cause me a hardship in being able to get a home for my family due to my debt to income ratio. They have been contacted and i continue to get the run around.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc. (FL)

I transferred XXXX $ to my crypto account on XX/XX/2021 and another XXXX $ on XX/XX/2021. I did several cryptocurrencies buy/sell transactions in subsequent months. On XX/XX/2021, I had total XXXX XXXX XXXX coins in my account. When I looked at the home screen on Crypto.com it was showing current value XXXX $ and checked XXXX XXXX current market price XXXX XXXX 

Then I tried to sell some coins so went into trade -> selected XXXX XXXX and selected XXXX ( coins ) for sale and went on confirm screen and it was showing sale price XXXX $ and total value XXXX . 

I was trying to do this transaction at XXXX AM EST XX/XX/2021. 

For next 2 weeks, I tried same thing for about 7-8 times and noticed that when I try to see coins it is showing higher price when I initiate the sale and it suddenly changes at the final confirmation page. It is almost 20 % less it is bug amount. This seems like a software trick to make money and scam people. 

I raised this issue multiple times with Crypto.com but have not received satisfactory response. They have not been able to explain the reason when customer lose 20 % of its asset value when he does sell transaction. 

I request bureau to investigate Crypto.com business practices and help me get my money back. 

Thanks, XXXX XXXX
Consumer complaint received 2019-04-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX partial account number XXXX - is reporting incorrectly to Transunion a late payment in XXXX. ( Please see page 3 of the attached credit report. ) The company offered an extension but failed to input the extension correctly into their system and consequently this resulted in a late payment being reflected on my credit report. This incorrect reporting is harming my credit score.
Consumer complaint received 2018-04-29
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. (GA)

On several occasions I have submitted documentation, police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. On My report, XXXX XXXX XXXX Account number XXXX is on my account as of today,XX/XX/XXXX. As of XX/XX/ XXXX XXXX XXXX was added to my account as a charge off for University  XXXX XXXX. They are both listed on my credit file and they are both listed as charge offs. These accounts are to be removed immediately from my credit file as they are not mine. I had attached proof.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX XXXX XXXX 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
Consumer complaint received 2022-04-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX XXXX XXXX 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
Consumer complaint received 2019-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (OR)

XX/XX/19 received a BRINKS Prepaid XXXX that I did NOT request. 

This credit card is real with my name on it and an activation sticker. 
I did not sign up for this card nor did I participate in a promotion that would include receiving a card. I'm concerned that someone might have gotten my personal information and is starting to use it for things like this. 

I did not contact this company because I do not want to confirm to them that I got the card. 

BRINKS Money XXXX XXXX XXXX XXXX, TX XXXX www.ActivateBrinks.com or XXXX www.BrinksPrepaidMastercard.com or XXXX