davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
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)

I have sent out numerous certified letters to the credit bureaus to remove these accounts which were purchased by a collection agency I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first they have committed identity theft
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

My loans were recently transferred to XXXX XXXX, and they can not give me accurate billing. When I call and speak to their customer rep, they state a different amount due than the website " Amount Due ''  states. What's more, the PDF billing statement for this cycle said there is no amount due, contrary to both what the customer rep and website screenshot said. The company can not give me accurate, reliable info about the amount due. 

Also, I registered for auto-pay and the customer rep claims I did so successfully, but the website continues to state " no payment scheduled. '' I have paid my loans on time for several years with other lends. It truly feels as though XXXX XXXX is intentionally trying to induce me to default.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX  XXXX  XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXXXXXX 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 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 2020-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I mailed in my Federal Trade Commission Report & a dispute letter with those specific items listed as well to Experian in regards to fraudulent activity that took place with the use of my SSN to open accounts in my name and on XX/XX/2020 I called the customer service number of Experian to check the status of my dispute and the agents ' supervisor advised me that they had not received any FTC document or any dispute letter ( s ) regarding my account and I do not understand how that could have been when they were delivered 5 business days later per USPS. I would like to get this resolved as soon as possible as this is an urgent matter!
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I mailed in my Federal Trade Commission Report & a dispute letter with those specific items listed as well to Equifax in regards to fraudulent activity that took place with the use of my SSN to open accounts in my name and on XX/XX/2020 I called the customer service number of Equifax to check the status of my dispute and the agents ' supervisor advised me that they had not received any FTC document or any dispute letter ( s ) regarding my account and I do not understand how that could have been when they were delivered 5 business days later per USPS. I would like to get this resolved as soon as possible as this is an urgent matter!
Consumer complaint received 2022-12-01
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. (UNITED STATES MINOR OUTLYING ISLANDS)

I've already submitted a police report and dispute letters stating that the accounts and inquiries that are on my report are inaccurate and have been connected to fraud.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX account student loan XXXX XXXX, US Dept of EDXXXX XXXX XXXX US Dept of EDXXXX 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, Also states a consumer reporting agency such as EXPERIAN, XXXX AND XXXX can Not Furnish a account without my written signature or instructions to do so.
Consumer complaint received 2021-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: AMERICAN EXPRESS COMPANY (NV)

American Express made me an offer for a personal loan but there was an issue with their website sending me an email needed to authenticate myself. After several calls they authenticated me and said to look for the email to accept the offer. They sent email on Thursday but I missed it until Saturday morning at which time the offer was expired and voided. 

American Express said I had to wait for another offer. They couldnt help resolve this and withdrew the offer.
Consumer complaint received 2018-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (CT)

Bluebird by American Express denied a fraud claim for items totaling XXXX including charges from XXXX XXXX  on XX/XX/XXXX, amounts of XXXX and XXXX. As I stated to both XXXX reps and Bluebird fraud dept, I did not receive anything from this merchant and do not know the person using XXXX account, XXXX. XXXX has not provided any proof of receipt such as a tracking number and or description of item ( s ) supposedly sent. Two other charges from XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX are also fraud, the merchant refunded a total of XXXX on XX/XX/XXXX, amounts of XXXX and XXXX. I do not know the reason for refund, the merchant refers me back to American Express to dispute the items. It appears the merchant chose to refund part of the transaction in the amount of XXXX on XXXX, did not state reason ( s ) why and refused to refund difference. Bluebird has not provided reasons for decline of claim or shown any proof the charges are authorized by myself, refuse to investigate further despite the information I've shown.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX Bank XXXX. XXXX XXXX Bank XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX Bank XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX Bank XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX Bank XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX Bank XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (TN)

NCB Management Services, has violated the fair debt collection practice act 15 U.S. Code 1692g ( a ) ( 3 ) ( 4 ) Validation of debts. In their initial communication they did not provide a statement notifying me of my right to dispute this alleged debt. Their violation of the FDCPA has caused me grave injuries and damages, Per Frey v. Gangwish, 970 F.2d 1516 ( 6 '' Cir. 1992 ). The FDCPA is " an extraordinarily broad statute '' and must be enforced " as Congress has written it. This company NCB Management has harassed me about a dent in the amount of { {$1100.00} } I have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them. I have never get a loan or credit card from this company and I don't even know who they are or where they are located. Ive never have/had any contracts with NCB Management .
Consumer complaint received 2019-03-22
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. (FL)

During XX/XX/2018 I obtained a copy of my credit report and noticed numerous of inaccuracies with Equifax. I informed them by disputing the inaccuracies for the last several months & the issue is getting very frustrating because it continues to affect my credit negatively. 

The accounts that I have an issue with are listed below : UNKNOWN ACCT # XXXX AMOUNT : {$59.00} UNKNOWN ACCT # XXXX AMOUNT : {$69.00} UNKNOWN ACCT # XXXX AMOUNT : {$59.00} UNKNOWN ACCT # XXXX AMOUNT : {$200.00} XXXX XXXX ACCT # XXXX AMOUNT : {$1000.00} XXXX XXXX XXXX ACCT # XXXX AMOUNT : {$390.00}
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

In XXXX we financed our home with Option One Mortage ( first and second ), we refinanced in XXXX with another bank. However, when going to the XXXX County Wisconsin, Register of Deeds, we have found out the Option One Mortage never sent the paperwork over to the courthouse to record it a satisfied. I have tried getting ahold of Option One Mortgage, the closing companies as well as my current mortgage holder and can't get anywhere. How can a company claim they were never paid for a mortgage loan when it was refinanced?
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: First Data Corporation (KS)

I called to inquire how to be able to add money to my account. The person on the phone was confusing and hard to understand so they said they would send me a packet of information. I had to verify my identity through an automated system. When I received the packet of information, it stated that my account had been placed on hold and the upgrade was pending. I had to send in information to verify my identity. I tried to call the company to find out what happened. They stated that some information didn't match through the system when I was verifying my identity. Turns out, it was my email address because I have two different ones and wasn't sure which one I use. They said the only way to unlock my account is to fax in my driver 's license and social security card. I sent the information on XX/XX/18. I called a few days later and was told they were unable to read my driver 's licence because the copy was too dark. They told me I needed to email my driver 's licence and social security card. I am only XXXX  and didn't really think anything of it. When I asked my mom to help me send the information she said we are not sending my social security card to them via email, it is not secure and now even with us faxing it I am worried about my identity and information being stolen. My mom called them and finally someone said they would accept a paystub and my driver 's licence instead. I emailed that on Friday XX/XX/18 and the lady said it would take about an hour. We called back the following Monday because I still don't have access to my money. I keep being told something different, someone told me 5-10 business days, someone said an hour, someone said 3-5 business days, and another person said 2-3 business days. Called back today, Wednesday XX/XX/18 and was told it should have been unlocked but unfortunately it hasn't been for some reason, but the " back office '' that handles that is closed now so I will have to call back tomorrow morning. I am in school and this has been very frustrating because I can not call while I am in school. They will not talk to my mother, even though I am a minor, unless I am on the phone every time and give permission for them to talk to her. I feel taken advantage of because I am young and this is my first time dealing with a financial institution and very frustrated that even though I am a minor they won't allow my own parent to help me resolve this issue.
Consumer complaint received 2018-04-25
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. (MI)

I have been looking for a debt consolidation loan and have received at least 4 emails from agencies with various names stating that I'm pre-approved and telling me to sign in to verify. When I do this, I then get several emails from XXXX XXXX XXXX, XXXX XXXX, etc telling me I've been denied while also getting an alert from credit monitoring agency that I have a new hard inquiry on my credit. this has happened several times.

I've emailed the company ( XXXX XXXX ) without response. I've also filed requestes with transunion/XXXX for investigation. I'm working hard to rebuild my credit so this makes it very hard.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX. XXXX   and XXXX  paid the claim and XXXX has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. XXXX was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (MN)

I opened an account with the Crypto.com app last fall to invest small amounts into cryptocurrency. I only purchased cryptocurrencies with about half of the money I deposited into the account through a bank ACH transfer. As the U.S. dollars are sitting there unused, I decided to transfer them back and put them to better use. When I tried to transfer back, the only option was to provide my bank username and password to a third party that says it will make the transfer for Crypto.com. There should only be a need for the routing number and account number but they refuse to send my funds back unless I provide the third party with my bank username and password. As they refuse, I have now asked to close my account and return any proceeds to me by check through the mail. They refuse to do so and say the only way for me to get my money back is to provide the third party with my bank account log-in information. I have communicated clearly through their chat function and email as there is no phone number I can call. 
To be clear, this isn't a complaint about cryptocurrency investing.
Consumer complaint received 2022-11-30
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. (PA)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I printed out copies of XXXX  Loan forgiveness forms to send to my employers. I went to the trouble to have them filled out and sent off. XXXX XXXX, who my student loan is with, sends me a letter saying that they cant process my forms but doesnt directly state why. I assume it is because the form had expired. Problem is that I can't find a form that is not expired. I tried to contact the company about it but they will not reply. Now I get an email stating that they are selling my loan to MOHELA and will be transferred on or about XX/XX/2022. The U.S. Department of Education states on their website that you can apply for teacher loan forgiveness but you can not access an application on their site or anywhere!
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FISERV INC. (NC)

XXXX XXXX someone opened a fraudulent account in my name and then on the same day wrote a fraudulent check in the amount of {$33.00} to XXXX services and created a collection notice in my name that included the {$33.00} plus a returned check fee of XXXX I called Bank of XXXX and XXXX the accounts closed.
Consumer complaint received 2022-06-14
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX, Account # 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