davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have being trying for 3 weeks to get a security freeze off my credit report that I had placed. Equifax should be shut down completely. They keep giving me excuses on they are working to fix the issue removing the freeze but the freeze is still there I been trying for 3 weeks now. They keep saying they are putting in a ticket to get it fixed and as of today it's not fixed. I will start looking at a attorney to handle this matter as I have read online other people who have had to same issue. I will look into starting another class action lawsuit because this is completely crazy. I am in the process of trying to get a home but can't because they can't pull my credit which has caused my family a great deal of pain. They hire all these people overseas to help you when most can't even speak proper english and I keep getting the run around CFPB please help me.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (PA)

WITH DATE XX/XX/2022 I SEND MONEY TO THE COUNTRY OF XXXX {$620.00} ; WITH A VALUE OF {$9.00} IN VALUE CHARGED FOR AN EXPRESS TRANSACTION THAT IS TO SAY IMMEDIATELY, IN THE REMITLY PLATFORM THEY INDICATE ME THAT THE FUNDS WILL BE DELIVERED ON XX/XX/XXXX AT XXXX, WHICH DID NOT HAPPEN. 
on tuesday, XX/XX/XXXX, i called the REMITLY COMPANY TO CANCEL THE TRANSFER WHICH WAS CANCELLED WITH AN E-MAIL TO MY E-MAIL XXXX AT XXXX AND THAT MY MONEY WILL BE RETURNED WITHIN 10 BUSINESS DAYS. 

MY SURPRISE IS THAT TODAY XX/XX/2022 I RECEIVE A MAIL FROM REMITLY WITH TRANSFER NO. 
XXXX, THAT THE FUNDS WERE DEPOSITED TO THE ACCOUNT I REQUESTED TO CANCEL YOUR TRANSACTION. 

I PROCEEDED TO CONTACT THEM BY TELEPHONE AND THEY TOLD ME THAT THEY CAN NOT REQUEST THE RETURN OF SAID MONEY AND THAT THEY DO NOT HAVE A TOOL THAT CAN GIVE ME A SOLUTION TO MY REQUEST. AND THAT THEY ARE VERY SORRY THAT THIS HAS HAPPENED AND THAT THEY SUGGEST THAT I CONTACT THE PERSON WHO RECEIVED THE MONEY AND SEE HOW TO SOLVE THIS DEPOSIT. 

FOR THIS REASON, HAVING HAD AN INADEQUATE RESPONSE, BY IGNORING NOT TO CONTINUE WITH THE TRANSACTION, I REQUEST YOU AS THE GOVERNING BODY OF THE FINANCIAL INSTITUTIONS OF THIS COUNTRY, TO TAKE THE NECESSARY MEASURES IN ACCORDANCE WITH THE LAWS AND REGULATIONS ESTABLISHED AND THAT THE COMPANY SHOWER MAKE THE RETURN OF MY MONEY SENT ABROAD WITHOUT MY APPROVAL. 

GREETINGS, Translated with XXXX ( free version )
Consumer complaint received 2021-09-22
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. (MS)

I have unverified inaccurate late payments showing on my XXXX  XXXX account. I have disputed this information with all three credit bureaus and they closed my disputes saying informaton was verified and accurate. I am attaching two printouts from all three bureaus showing each bureau is showing something different every month. 

How can this be accurate? I would like the late payments on my XXXX  XXXX acount removed immediately and a new credit report sent out so that I can see the inaccuracies have been removed.
Consumer complaint received 2017-09-21
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: Experian Information Solutions Inc. (GA)

I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have unverified inaccurate late payments showing on my XXXX XXXX account. I have disputed this information with all three credit bureaus and they closed my disputes saying informaton was verified and accurate. I am attaching two printouts from all three bureaus showing each bureau is showing something different every month. 

How can this be accurate? I would like the late payments on my XXXX XXXX acount removed immediately and a new credit report sent out so that I can see the inaccuracies have been removed.
Consumer complaint received 2022-08-12
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (FL)

Once again I am requesting Santander to provide me with a copy OF ALL DOCUMENTATION I signed when I bought the car. The request includes the CREDIT APPLICATION information used to approve the LOAN. 
The documents sent regarding the sale have only 5 pages. I need ALL PAPERS THAT I SIGNED! Especially the Credit Application. I tried to make this request over the phone with the attendant XXXX employee ID XXXX at XXXX XXXX IN XX/XX/2020, but he put me on hold and didn't answer my request. The call was recorded for 8 minutes and 57 seconds and ended by me for lack of communication. 
Remember that all my contacts are up to date on your system. Address, Telephone and E-MAIL, no customer service representative attempted to contact me as stated in the previous CFPB demand response. I would appreciate that if answer, replies would be send to my personal email. 

Thank you.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020, upon review of my Experian credit report it noticed that XXXX was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; XXXX 's response was to add to 30 day lates to my credit report which is inaccurate.

This is an illegal loan, and XXXX  was repaid all monies borrowed. I would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.
Consumer complaint received 2021-09-22
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. (MS)

XXXX credit card company is reporting an account on my credit reports with XXXX and TransUnion. I do not have a credit card with XXXX and never have. They have refused to remove this incorrect information and it is adversely affecting my credit score!
Consumer complaint received 2021-09-22
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. (CA)

I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the Equifax data breach I have sent you a letter and you have not responded back to me yet!!!!!
Consumer complaint received 2020-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ResidentCollect, Inc. (TX)

The apartments were paid and now a third party collections company is trying to take additional funds. Never was I aware of any additional debt owed. I also never did a contract with this particular company that is now trying to collect on the apartments behalf. Do they have proof of why or how I owe this debt.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/2020, upon review of my XXXX  credit report it noticed that XXXX was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; XXXX 's response was to add to 30 day lates to my credit report which is inaccurate.

This is an illegal loan, and XXXX  was repaid all monies borrowed. I
would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I am the executor of my XXXX brother ... ..I set up an account with my local Chase bank to manage the account ... ..I recently received a check from the US Treasury Dept that has my name & my XXXX brothers name on the check ... .I tried to deposit that check into the established estate account ... .and my local Chase agent would not let me deposit that check into the established estate account ... ..!
Consumer complaint received 2022-08-12
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)

I paid off a debt with XXXX XXXX XXXX XXXX XXXX and they updated my credit to reflect that so on XX/XX/XXXX my score went up XXXX. XXXX XXXX XXXX XXXX XXXX XXXX put the wrong information on my report by changing the loan type from Unsecured to Automobile. I had to call them and they sent updated information to Transunion to correct the issue. When they did that Transunion reran my credit report and dropped my score by XXXX on XX/XX/XXXX. I called Transunion and the said I needed to dispute it to correct the issue, I couldn't at the time as I was applying for a mortgage. I disputed the issue with Transunion at the beginning of XXXX and they corrected my score by raising it XXXX on XX/XX/XXXX. However on XX/XX/XXXX they dropped my score again by XXXX and closed the dispute saying they found no issues. I opened another dispute for the same thing after calling and talking to them about it. This latest dispute is over 30 days bow and it is now missing from their website.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (TX)

Apparently a credit card company sold my debt to Atlantic Recovery Solutions sometime in early 2020. Since then they call at least 4 times a day from numbers different than the number they want me to call back including using the area code for the city I used to live in. They do not tell me what they are calling in regards to except that my social has been attached to a legal case in their office. They also send numerous texts regarding this as well. Also I told a representative that I wouldn't be able to pay until probably tax time and she very rudely told me that I will keep getting the calls until then and hung up on me.
Consumer complaint received 2020-11-15
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. (NY)

I recently sent letters over 60 days ago to Equifax and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2022-07-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MI)

Informed this debt collection company that my only source of income is social security. On XX/XX/2022, I received a document from this debt collection company labeled ( XXXX XXXX ), suggesting this is an official document.I also asked this collection company to provide a detailed amount of this debt of which they did not.
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Fresh Start Funding, LLC (NV)

I contacted the company in XXXX to inform them I had lost my job and I was going to need some assistance they never contacted me back I reached out to them again in XXXX still nothing then in XXXX they dinged my credit report I contacted them again and said Ive been reaching out to you nobody will respond I lost my job I could only afford to pay {$25.00} a month right now they said thats not gon na make a difference but you can do it and then they started texting me several times a week after XXXX oclock in the evening the most current one was XX/XX/XXXX at XXXX XXXX
Consumer complaint received 2021-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB (TX)

Okay I waited over a month to get a refund back from XXXX and I contacted them and they already send the refund back to Klarna and Im still showing that I owe XXXX but I return the computer back end of XXXX and I never got a email from Klarna or them saying they resolved my issues the order number is # XXXX I send them the tracking numbers and credit receipts but Im still being charged for this laptop
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Rec 'd a pre-approval from Capital One for a Quick Silver Card - See below - Thank you for being a Capital One cardmember. Were pleased with your track record, and wed like to recognize your loyalty with an exclusive offer to apply and earn 1.5 % cash back on purchases.

I applied for the card and was denied - The denial letter states - Based on your application information, income is insufficient for amount of credit requested I did not specify any amount of credit on the application. I called Capital One to ask them what amount they were had listed on the application and they told me that they could not see that amount and I should call XXXX  for that information.

Capital one said I was denied " for the amount of credit requested '' but they can't or wont tell me what amount was requested and I did not put any dollar amount on the application.

The letter for denial is deceptive and misleading as as I do not know what amount was requested, I did not request an amount and don't know what amount was denied.

Capital One transferred me to a supervisor who would not give me the address to write in a formal complaint and said I could only do a complaint on the phone. She told me there was not reference number for the complaint and that was all she could do. Her information was XXXX XXXX. 

I also told her I was recording this call for customer service and she said I was not allowed to record her call by Capital One was allowed to record mine and then she hung up on me ...

They must provide the $ amount request on the denial ...
Consumer complaint received 2017-09-21
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. (GA)

I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX Shoals BLF XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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. (NY)

This is a follow up, an update from a previous complaint. I represent myself. 

I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. 

New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years. 

The account has not been removed from all three major credit reporting agencies. 

If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

We had an XXXX credit card through XXXX. It was a good experience. The XXXX cards were all moved to Barclays. Barclays practices and customer service are unacceptable. I had to call them three times - each time the wait was over 90 minutes. I was told we would not get a bill from Barclays before the first payment was due ( this seems to be a deliberate attempt to increase chance of late payment fees and higher interest charges ). I tried to set up an online account to pay the card, but I continue to get this error message " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' When I called that number, they did not even ask what my question was, but just told me that I called the wrong number and put me in the hold pattern again. Then, after 95 minutes on hold, they just dropped the call. This is terrible service and those who do not jump through extra steps will get extra charges. Most of XXXX members are older and this seems to be a targeted attempt to take advantage of them/us. I did call XXXX to share my experience. I am not asking for any action on my account. I will cancel the card after I can figure out how to pay the transferred balance. We do not want to be held accountable for any charges that are incurred because of their business practices. I think Barclays should be held accountable for these business practices, and other consumers should be aware. Thanks for your time.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent letters to credit bureaus starting in XX/XX/2021. I have some incorrect information on my credit file, and that negative information is causing a bad impact on my credit file. According to the Metro 2 system everything that is reporting on your account should be a 100 % accurate. The bureaus have copy of the letters that I have sent in.I need those investigated properly. I want to see the original documents supporting their claim.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

My account is locked i have not been able to access my account details at all never have i been able to since the start of recieveing benefits i call and get no response i stayed on hold for 3 hours and got hung up on twice never can get a live person to speak to me.