davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (MO)

The following accounts are a direct reflection of the aftermath of what ones credit file looks like after your identity has being compromised, misused, stolen and unauthorized. Im demanding the immediate removal of these accounts, accounts inwhich I have absolute no knowledge about. 

1 ) XXXX XXXX XXXX {$700.00} 2 ) XXXX XXXX XXXX  {$120.00} 3 ) XXXX XXXX XXXX  XXXX 4 ) XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) Missouri Department of Child Suprt Im also demanding the physical method of verification for these accounts. As a general rule of law electronic verification can not be accepted as proof.
Consumer complaint received 2022-04-01
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. (MO)

XXXX will not allow me to dispute inaccurate credit information by not allowing me to log in. They keep replying that my password is incorrect even after I am allowed to go through their Forgotten Password protocol.
Consumer complaint received 2021-11-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: FIRST PORTFOLIO SERVICING INC (PA)

As of my last ability to contact Peaks Loan ( powered by first associates ) I had a balance on my account XXXX of {$3300.00}. I have been trying to receive payoff information or account information as my loan was under the predatory institution XXXX XXXX XXXX but the phone number XXXX is no longer active. I can not log into the site. I attempted to call the only working number for the portal account ( after clicking " My Account '' ) on XX/XX/2021 at XXXX and was told my loan was changed and given the peaks disconnected number again. When I told them the number did not work they gave me the number for CFPB ( XXXX ).
Consumer complaint received 2021-11-10
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. (NY)

I sent plenty of disputes to Experian about the account of XXXX XXXX XXXX XXXX XXXX XXXX I was sick of pre XXXX when this account was open, I didnt open this account XXXX  XXXX never sent me a contract with my signature of the agreement or contract they just say that was open online I didnt open this XXXX XXXX account When I was sick many people have access to my personal information This account of XXXX XXXXXXXX must be remove immediately from my Experian credit report
Consumer complaint received 2021-08-13
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. (PA)

i sent a letter requesting a investigation because i flet the items is not being reported legally, and on XX/XX/2021 i received a letter stating that your investiagtion was complete. 

i requested a complete copy of all the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA ; Who did they speak with? what was the date? the name? and the address? what number did they call? 

This inaccurate reporting has caused me severe financial and emotional distress.
Consumer complaint received 2019-06-08
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. (IL)

Experian has a number of " Credit Alerts '' for Collections that I have tried to open a dispute with the agency over a period of 30 days, but each time I attempt to do so its site claims, " We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. '' And when I try calling direct I'm placed on hold interminably. 
One of the Collections is : XXXX XXXX XXXX {$70.00} And another is : XXXX XXXX XXXX {$580.00} Since I can't open a dispute, I can't even determine what these are for.
Consumer complaint received 2021-11-10
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: Exeter Finance, LLC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX My Account was closed by XXXX EXETER FINANCE LLC then reopened with XXXX XXXX, My payment history is incorrect, therefore damaging my credit score
Consumer complaint received 2021-11-10
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: Google Compare Credit Cards Inc. (MD)

I keep getting a scam note using Google pay plus XXXX XXXX on the account that I never had or issue. It believe to be a scam from XXXX.
Consumer complaint received 2019-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bass & Associates, P.C., Attorneys at Law (VA)

Bass and Associates has failed to prove its client the US Department of Education case. On XX/XX/XXXX, I reported a " well known '' Conduit for Identity theft and Fraud to the OIG of the US Department of Education. This website was www.pin.ed.gov. This Website allowed essential anyone with anybodies SSN, Date of Birth, and address to obtain a PIN ( Personal Identification Number ) This website not only failed to authenticate or verify by 2 part authentication the person behind a keyboard and monitor. It further was identified by the US Department of Education as a " Well Known '' Conduit since XXXX, according to the redacted report sent to my Virginia XXXX District Congressman. After my Letter to the OIG, explaining that this very Website caused me to become victimized of identity theft and a XXXX Federal Student Loan created illegally and without my knowledge or any signature. It was shut down on XX/XX/XXXX. XXXX and XXXX has been advised numerous times regarding this matter. In fact they have failed to produce any validity to this collection harrassment. They will deny they are required by law to prove that you applied for and signed for and actually receive money, which I did NOT receive a XXXX of money from the Department of Education or anyone else. This is identity theft and Fraud and needs to be removed from my credit file. In fact the redacted report sent to Congress confirmed that over 874 million in  fraudulent loans was created by this very website in XXXX, so I'm not the ONLY Victim here.
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (AL)

MY CREDIT REPORT HAS ACCOUNTS THAT DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS ENDED UP ON MY CREDIT REPORT. I AM A VICTIM OF IDENDETITY THEFT. THIS IS NOT FAIR TO ME BECUASE I DIDNT AUTHORIZE ANY OF THESE ACCOUNTS OR INQUIRIES.
Consumer complaint received 2020-09-17
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. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-09-17
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. (NC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (MO)

PayPal charged {$140.00} onto my XXXX XXXX XXXX shown as a transaction from XXXX. I have handled this with both PayPal and XXXX to no avail. Both PayPal and XXXX is trying to cover-up this charge as the file will reflect. I am attaching a letter address to Consumer Financial Protection Bureau explaining all of the handling I have given this problem. I have also attached 3 Exhibits that supports everything I am contending regarding this fraud. Neither PayPal nor XXXX can explain what the charge is for nor can either provide any information on this charge. I have not made any transactions with XXXX for a number of years.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (AZ)

I DID NOT RECEIVE A 1099C FROM THESE COMPANIES. THEY WERE REQUIRED TO FILE WITH THE S.E.C EVERY XX/XX/XXXX. WHETHER THEY DID OR NOT IS SUSPICION OF FRAUD. VIOLATIONS OF 15 USC 6801 AND 6802 STATES THE POLICY OF CONGRESS THAT EACH FINANCIAL INSTITUTION RESPECT PRIVACY OF ITS CUSTOMERS. OPTIONS TO OPT OUT WERE NEVER DISCLOSED AS AN ALTERNATIVE. UNDELIVERABLE ADDRESS ARE STILL LISTED AS WELL AS ALIASES.
Consumer complaint received 2020-09-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (VA)

I had a truck fianced with Chase Bank and the vehicle was totaled in XX/XX/2018. I had full coverage insurance and also gap insurance on the vehicle. My insurance company paid most of the loan off but then I got late payments on the loan because they didn't tell me what to do about the gap insurance.. After getting the paper work to the gap insurance company they sent the money to Chase Bank and now the loan is a charge off on my credit reports and they won't take them off.. the company was paid for the vehicle
Consumer complaint received 2024-09-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (SC)

Purchased a washer / drier from XXXX on XX/XX/XXXX. The washer drier pair was eligible for a {$200.00} prepaid mastercard. The rebate was subcontracted to XXXX. I was issued a virtual mastercard by their subcontractor - prepaid digital solutions on/or about XX/XX/XXXX. There was no prior information that a *real* card would not be issued, nor was it an option. I tried multiple times to use this " card '' locally and no one would accept a " printed virtual credit card ''. The expiration date for the card was XX/XX/XXXX and it expired before I could find someone that would accept it. I tried to contact them by email, which was the only method I could find on the website. The website also stated that they would not " extend or re-issue expired cards ''. Clearly something that happened frequently and which as far as I can tell is illegal as I read that there was a 5yr federal minimum expiration on all prepaid gift cards.
Consumer complaint received 2018-12-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CT)

I decided to refinance my student loans with Discover to save on some interest as I was getting a lower rate with another service provider. 
My loan was paid off at Discover on XX/XX/2018 and there was an excess payment of more than {$3000.00} on the account. 
One week later, on XX/XX/2018, I contacted Discover to find out about the status of my refund due to the overpayment. 
I talked to the customer service representative and her supervisor and I was told Discover has a right to hold onto the payment for upto 45 days. They are really busy with processing thousands of student loans so they can not verify the payments have been applied to my account accurately. In about 45 days, they will mail out a check which will take another 7-10 business days for me to get my money back. They have a right to hold onto my money ( they gave me an exact amount {$3300.00} ) as they look to verify all closing details. If they have the exact amount of refund owed, that means the payment have been posted already. I never had a late payment on my account and no payments have been missed ever on the student loan. But they still want to ensure that ' no extra unknown charge ' pops up on my account in this timeframe I think it is a really unfair practice that it takes them upto 45 days to post my payments accurately and they have a right to hold onto my money for that long. I am accruing interest on the refinanced loan while Discover decides to hold onto my money for close to two months and not doing their job in a timely manner.
Consumer complaint received 2019-06-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IA)

My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have XXXXhree separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX  balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.
Consumer complaint received 2019-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (CA)

I pulled all of my money out of my brokerage account and then I was about to close my checking account when Citibank charged me a " monthly {$25.00} service fee '' which I had never paid before. They then summarily closed my account without my permission.
Consumer complaint received 2020-09-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (TX)

Security Finance repeated called me on my phone and left voice mails and refused to stop after I told them I was filing for bankruptcy ... These  phone calls were so awful that I had to reach out to corporate to get them to cease and desist excessive harassing phone calls ... I still have all their voicemails it was an awful ordeal..
Consumer complaint received 2019-06-07
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. (TX)

Its stated that my balance has increased over {$1000.00} which affected my credit negatively. But I pay consistently on time. And I am not in bad standing.My credit score went down 31 points!
Consumer complaint received 2019-06-07
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: EdFinancial Services (TX)

Its stated that my balance has increased over {$1000.00} which affected my credit negatively. But I pay consistently on time. And I am not in bad standing.My credit score went down 31 points!
Consumer complaint received 2019-06-07
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: DISCOVER BANK (OH)

An item was purchased on XX/XX/2019 for XXXX which showed on the credit card statement for {$10.00}. It showed as 2 separate charges for XXXX and XXXX. The product was delivered. No complaints. Recurring charges showed in XXXX and XXXX for {$170.00} and {$180.00}. The listing of the charges should have shown a toll free number where the subscription could be cancelled. I have no way to contact the company placing the charges. It was not made clear to me that this would be a subscription. Even so, contact information should always be given. A dispute has been filed but has not been resolved. The problem could easily and quickly be solved if contact information was provided with the charge. This should be a requirement for any subscription charge.
Consumer complaint received 2019-06-07
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. (CA)

3 COMPLAINTS AGAINST : # 1 EXPERIAN CREDIT REPORTING CO. 
XXXX XXXX XXXX, XXXX TX XXXX # 2 XXXX XXXX XXXX XXXX. 
XXXX : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX CA XXXX # 3 XXXX XXXX XXXX XXXXXXXX XXXX XXXX. ATTORNEY WHO 1ST REPORTED UD CASE TO CREDIT BUREAUS APPROXIMATELY XXXX XXXX XXXX XXXX XXXX XXXX., XXXX CA XXXX Reference UD Case # XXXX entered XX/XX/XXXX states this UD case was in no way to be reported to the credit bureaus See Exhibit # 1 attached. 
I have been denied application to rent twice by XXXX XXXX. on XXXX and XXXX due to UD reported to credit bureaus. See Exhibit # 2 attached. 
My Complaint is that XXXX XXXX XXXX XXXX and Experian Credit Reporting Co. are failing to comply with court order/stipulation signed by all parties, Plaintiff, Defendant and Judge.that clearly states : Plaintiff and defendant further stipulate as follows : THERE SHALL BE NO PREVAILING PARTY FOR CREDIT REPORTING AS AN UNLAWFUL DETAINER PURSUANT TO CIVIL CODE SECTION 1786.18 ( a ) ( 4 ). 
Page 2 : Continued : Plaintiffs first attorney who handled UD case XXXX XXXX XXXX wrongfully started all this credit reporting at the final of UD case XXXX. Then due to my telephone complaints to XXXX XXXX XXXX, they sent me a typed, supporting claim that they were surprised that my UD case appears on my credit report. See their letter dated XXXX. See Exhibit # 3 attached. 
Experian processed 2 of my complaints/disputes and states not being removed due to response from XXXX XXXX XXXX XXXX. I sent Experian 2 complaints XX/XX/XXXX and XX/XX/XXXX. See Exhibit # 4 attached. 
See XXXX letter from XXXX attorney, XXXX XXXX, stating they have Not violated the stipulation filed XXXX, yet the Experian credit reporting is clearly showing the UD case. 
Yes, I did agree to the Stipulation and did not disagree with any billing associated with the UD against me, but the XXXXXXXX Stipulates that this UD case was NOT to be reported against meyet it is? 
See Exhibit # 6 Attorney XXXX XXXX letter. 
See Exhibit # 2 two credit reports dated XXXX and XXXX run by XXXX XXXX. XXXX. Both apartment applications were DENIED due to the wrongfully reported UD case. 
I went to the courts to obtain a Certified Copy of The final UD judgement signed on XXXX. 
The Clerk was surprised that the above 3 companies reported ANY of this UD case to the credit bureaus and said its a violation of Judges Stipulation. 
I consulted with a Legal Aid attorney, and he stated I have a case to sue for all of the above noted wrong doing of reporting this UD case in any way to the credit bureaus. 
SUMMARY OF THIS COMPLAINT, AT THIS TIME : I am requesting all parties to IMMEDIATELY REMOVE ANY AND ALL UD CASE INFO from Any and ALL credit bureau ( s ). It may have and may report to in the future. 
and i reserve the right to a financial claim
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.