davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: I.C. System, Inc. (TX)

On XX/XX/XXXX, I noticed a collections on my credit report from this company and sent a letter requesting verification of the debt, as I did not recognize it. I have not received a response as of the submitting of this complaint. 

On XX/XX/XXXX, at XXXX XXXX, I received a telephone call from an unknown number. The caller stated that they were outside my residence to have me sign " court papers. '' I asked them if they were a licensed process server -- they did not answer ( they said " I have a certificate from the state, and I'm trying to just get you to talk to this company '' -- they did not confirm that they were or were not a process server ). This caller advised me to contact I.C. Systems at ( XXXX ) XXXX and to reference file number XXXX. 

I called the number, and referenced the file, and they pulled up the debt I had disputed with the credit bureaus and via certified mail.They still have not responded to my debt verification request ( as it has not been 45 days yet from the date of my dispute ), but, per the FCRA, are required to cease all collection attempts. 

In addition to telling me I had been sued and " had to sign court papers '' for a lawsuit I was not noticed for ( and a lawsuit which does not exist in my county of residence ), they engaged in debt collection practices today, which are prohibited per the FCRA while a debt is in dispute.
Consumer complaint received 2018-05-07
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. (NC)

Credit bureau was notified about incorrect information on XXXX XXXX 's credit report on XX/XX/2018 as well as XX/XX/2018. The incorrect information is a result of a mistaken identity, collections in negative from a company called XXXX XXXX. XXXX XXXX has forwarded deletion requests of these items to both Experian and XX/XX/XXXX These negative items with pending deletion requests still remain as of XX/XX/2018. Deletion requests forwarded to the credit bureaus on XX/XX/2018 according to the collections company.
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I called over a month ago to have them send in an application for my student loan refund and still have yet to receive the refund. I called back this week for updates and they said they do not have a timeline for my refund. This is quite alarming, seeing as other groups have already given out refunds to people
Consumer complaint received 2023-03-24
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. (CT)

Chase Refused to investigate monthly fraudulent charges by XXXX XXXX and Refund fraudulent charges and shut off fraudulent charges. Since XXXX of XXXX I have been Repeatedly charged {$53.00} monthly on XXXX XXXXXXXX XXXX XXXX  ending in XXXX since XX/XX/XXXX by XXXX XXXX XXXX XXXX, a Third party processor company that I CLOSED the account with. XXXX XXXX XXXX XXXX {$170.00} in Bogus Charges on XX/XX/XXXX and verified the charges are bogus and account is closed- but XXXX continued to charge my card monthly AND CHASE WONT STOP THEM- I have reported this to chase several times - this is fraud. I demand CHASE issue a FULL refund of {$53.00} monthly charges since XXXX of XXXX.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian is in violation of the FCRA for reporting unverifiable and incorrect information on my credit report. 

So, how is Experian verifying this information if the information is no longer in XXXX system and the U.S. Bankruptcy court did not give them this information? 

By Experian reporting inaccurate and unverifiable information it has caused me financial hardship in my personal and business life. 

I have attached the letter from XXXX showing proof that this bankruptcy was removed from their system because it could not be verified! 

Also, I have attached a letter from the US BANKRUPTCY COURT stating they did not supply this information to the credit bureaus. 

So, my question is who is supplying this information to Experian? 

I have also attached a screenshot of Experian being dishonest saying that the courts supplied them with this information which is untrue. 

Experian is in violation of not properly investigating and also reporting incorrect information which his illegal per the FCRA. 

The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the FTC and my state attorney genera
Consumer complaint received 2021-02-18
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: Fleet Financial, Inc. (SC)

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. XXXX/ILENDINGDIRECT/XXXX XXXX : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I leased a XXXX XXXX with TFS ( Toyota Financial Services ) in XX/XX/XXXX. In XX/XX/XXXX, the vehicle was in an accident and was totaled. The lease amount was paid off in full by my insurance company, XXXX, on XX/XX/XXXX, but TFS reported that my XXXX and XXXX payments were 30 and 60 days past due respectively. Then payments later in XXXX were reported as charge-off, despite the account being paid in full by XXXX.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of Identity theft. I XXXX XXXX. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a notarized Identity theft Affidavit showing that this complaint was submitted by me in fact. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-06-15
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: Experian Information Solutions Inc. (NJ)

This information reporting on my credit profile is fraudulent and doesn't belong to me per the following : Experian : XXXX XXXX XXXX {$27000.00} account number : unknown/not listed Date opened : XX/XX/XXXX XXXX {$950.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX {$4000.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} account number : XXXX Date opened : XX/XX/XXXX XXXX {$950.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX {$4000.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX {$27000.00} account number : unknown/not listed Date opened : XX/XX/XXXX XXXX {$950.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX {$4000.00} Account number : XXXX Date opened : XX/XX/XXXX XXXX
Consumer complaint received 2021-02-18
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. (SC)

From XX/XX/XXXX to XX/XX/XXXX companies are pulling my credit report causing inquiries through equifax I have called fem sent in all documents and they are still on my report they are unauthorized
Consumer complaint received 2021-06-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

I was calling to get my forgiveness Or cancellation from, from what Joe Biden the president sign into law and XX/XX/XXXX forgiveness supposed to last for 5 years, I was qualified for it, I contacted him back in XXXX about it, they said they heard nothing about it I've never received anything, as far as with the XXXX XXXX that I even send that with in, that I have another complaint about, Heres whats included in the stimulus packages that might benefit current or future student loan borrowers : Suspension of all payments through XX/XX/XXXX No interest will accrue until XX/XX/XXXX The suspended payments count towards loan forgiveness programs, including PSLF and IDR forgiveness ( XXXX, XXXX, XXXX ) Taxes are eliminated on forgiven student loans through XX/XX/XXXX Employers who contribute to their employees student loans receive a tax break up to {$5200.00} ( through XXXX ) Borrowers in default will have their months of suspended payments count towards the nine months needed for loan rehabilitation No collection, wage garnishment, or seizure of tax refunds will happen ( backdated to XX/XX/XXXX ) Slight increase in maximum Pell Grant Incarcerated persons can now receive Pell Grants Over {$1.00} XXXX in institutional debt of HBCUs has been discharged Students may now continue to receive a subsidy on certain subsidized Stafford loans for XXXX for a longer period of time Employers may contribute up to {$5200.00} each towards their employees student loans, with this program set to expire in five years now instead of at the end of this year. 


P H E A said they never heard of this law Or if are it being signed into law
Consumer complaint received 2019-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (FL)

I hired a contractor, XXXX XXXX company to renovate my fire damaged home in XX/XX/2019. I since fired the contractor a week after and put stop payment on two checks, one in the amount of {$10000.00} and the other in the amount of about {$53000.00}. I later found out from my bank XXXX XXXX XXXX the $ XXXX check was attempted to be deposited into the contractors bank account at PNC bank in XX/XX/2019. The check was made out to XXXX XXXX, nowhere on the check did it say XXXX XXXX or the owner of the companies name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX virginia XXXX. The owner of the company tried to deposit the check and PNC held the check pending verification because of suspicion of fraud. This was back in XX/XX/2019. The bank has still not sent the $ XXXX check back to XXXX XXXX XXXX they still are holding on to the funds. I have went into personally the brand where the contractor tried to deposit the check and spoke with the branch manager and staff letting them know the situation. The branch manger said he would send the funds back to XXXX XXXX XXXX he has not. I have called XXXX XXXX XXXX they say the check has been cashed. PNC resolutions department ( Send request inquiry to recall funds File dispute ) ( XXXX ) XXXX XXXX PNC Resolution Specialist - has asked XXXX XXXX XXXX to send a hold harmless inquiry. All this and I just need the PNC bank to release the funds and send them back to XXXX XXXX XXXX. The branch manager who has allowed this insurance check to sit in PNC for two months Is in some sort of collusion with the contractor. Branch manager, XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX I have reached out and spoke with every department and are still at square one with no resolution. Please help with any insight. 

Our home is still sitting fire damaged with added weather damaged and days go by. My husband is stationed in XXXX and I am in XXXX  trying to resolve this matter. 

Thank you! 

XXXX XXXX XXXX Check # XXXX Check amount {$53000.00} Call XXXX branch - XXXX They are holding for verification of signature- account # XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX # XXXX**** INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, LAST PAYMENT. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( 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 about whom the report relates
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: WELLS FARGO & COMPANY (FL)

i sent a letter on XX/XX/2022 to XXXX XXXX  however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2021-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NJ)

XX/XX/21 - i contacted Coinbase customer support online ( its the only way ) regarding a 2FA problem i was having. they responded on XX/XX/21 with some generic email with troubleshooting links and told me to respond to the email if i have more issues. My issue was their XXXX  website was not allowing me to upload my DL photo as they required to fix this problem. On the same day we had another email exchange with them responding thank you for allowing us time to review the account. I have yet to hear from them since. i have emailed them again and again with no response. Privacy is an urgent issue and shouldnt take this long. These companies should be required to have a live customer service person or at least a live chat to solve these issues immediately. i not only need my tax forms, but i need access to my money asap. These tech companies shouldnt be allowed to operate in the U.S. without some type of real customer support, emailing and receiving a response days later to an urgent PRIVACY issues is absurd and ridiculous. If you dont want them to have customer service for general small things, than at least for a privacy issues they should have a live person being able to verify my account etc and fix the problem. This is an issue that could've been fixed within 15m and now its days. What is going to happen if i cant access my money and someone steals it? is Coinbase going to be liable? I'm furious because they have options to contact via XXXX, yes XXXX, but not a live person, which is absolutely absurd. 

A fair resolution would be for this company, Coinbase, to reset my 2FA in a timely manner. If you're going to have an email exchange than it should be within 24hrs response, and the privacy/account issues need to be escalated to the top. In reality they should have a live person to call when it comes to these issues. I think the XXXX  or whatever agency should not allow these companies to do business without it. I can receive robocalls all day about a Car Warranty i dont have, but when it comes to important financial matters with my money i cant get a hold of someone. How ridiculous is this?
Consumer complaint received 2019-05-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Was charged $ XXXXfor hotel stay on XX/XX/2019 for XXXX XXXX by XXXX . I never stayed at this hotel and never gave priceline my credit card information. I did try and book hotel through XXXX. but when I called to confirm hotel they told me I had no reservation. They than booked me another hotel which I stayed at and paid for.
Consumer complaint received 2021-02-18
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. (NY)

Robin Hood will not let me withdraw my funds. I have attempted to contact them on several occasions but all I get back is a form letter and they do not follow up on additional inquiries. I can deposit funds and trade but they refuse to let me withdraw. I keep getting an error that says " withdrawal locked ''. My funds are marked as available in my account. I have submitted 3 tickets and I get no response other then a canned response. 


XXXX case opened. Canned response did not answer follow up. 
XX/XX/XXXX another case opened. Canned response did not answer follow up. 
XX/XX/XXXX another case opened
Consumer complaint received 2019-05-03
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. (CA)

Transunion is reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX  - partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. XXXX and XXXX are reporting correctly. 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 2021-12-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I have tried to directly fix this with Experian to no avail. I submitted a complaint ( number XXXX ) through the cfpb. Their response was they suspect a third party involvement. I called the cfpb help line and was given a number to call. I called the number several times several different ways and was not given ANY option to verify that the request was from me. Nor was I given the opportunity to talk to an agent. This is obviously Experians way of not dealing with consumers complaints. Just claim third party and it will go away! ( A lawyer is assisting me the individual you are harming, not a third party submitting the complaint. ) Warning to Experian, deal with this now. Next time you will be in court!
Consumer complaint received 2022-10-15
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)

I am submitting this CFPB Complaint to request to teh Credit Bureaus once again, to remove the disputed accouts completely from my Cedit File. I received a copy of my updated Credit Report and I immediately noticed that some of the disputed accounts were removed from my Credit File and I als onoticed that there are still accounts that remained and are still reporting on my Credit File. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I appreciate the immediate action of the Credit Bureaus and I am very grateful for their efforts. However, I am in need for the removal of the remaining accounts that should also be removed from my Credit File. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Here is the list of accounts that should be immediately removed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX  XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.