davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (LA)

I recieve Louisiana unemployment starting XX/XX/XXXX. It is now XX/XX/XXXX and I still have not yet been able to recieve a ReliaCard. I have updated my account through la unemployment And have called over 100 times to fix the address problem. I have funds available on a card I never got and still havent got.
Consumer complaint received 2015-07-18
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (FL)

Even we create an online profile, it asks for verification/confirmation before it really creates profile. This is a case of money transfer. One button click, you are in TROUBLE. This is what happened with meI needed to redo my website design so put an advertisement on XXXX. I was contacted by a person " XXXX XXXX '' from a " XXXX '', " XXXX ''. When I asked his PayPal account for payment, he gave me as " XXXXXXXXXXXX ''. 
When I try to pay him by PayPal, It asks me email address and Amount. When I click next button, I see confirmation by Name " XXXX XXXX ''. Oops did I do a mistake. When I realized it is big mistake ..., I am in real trouble. 
PayPal did not alert/confirm me, the person I am sending money is the real person. No alert/no confirmation message/consequence, nothing. 

On confirmation message, it says if you want to cancel, you can do with in XXXX minutes but I do n't see any option to cancel the transaction. Called customer service with in XXXX minutes of my transaction, they say money is gone to receiver 's account. You could file a claim for refund, if receiver return then we will return money back to you. 
Otherwise if receiver verifies that he is " XXXX XXXX '' and deserve the money, PayPal will not take any action. My concern not with " XXXX XXXX '' or " XXXX XXXX ''. In this internet age, it is hard to verify a fraud. At least as a customer, I should have alerted before transaction made. I would rather should be alerted whatever PayPal customer service says the consequence. 
People can do a typing mistake simply a wrong email. One button click, you are in TROUBLE. Why not PayPal do simply says a confirmation message ....
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (VA)

We moved XXXX 2015. XXXX kept sending me a bill which I repeatedly explained that not only did we not owe the bill, but even if we did, it would 've been discharged by the Chap XXXX bankruptcy we filed in XXXX 2015. I sent them a copy of it. They have now sent it to a company called CBE Group, which robocalls me multiple times a day, hangs up when I answer, and leaves me on long holds when I call back and no one ever answers. I have also sent them a copy of the chap XXXX and a letter disputing this bill.
Consumer complaint received 2023-03-29
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 reviewed my Consumer Reports and noticed that I had accounts included in bankruptcy. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. the accounts must be fixed for their erroneous status XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IA)

I HAVE SUBMITTED SEVERAL DISPUTES TO EXPERIANREGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE XXXX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EXPERIAN.
Consumer complaint received 2022-11-21
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. (NV)

In accordance with the Fair credit reporting act, XXXX  account number XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

Statute 15 of U.S.C 1681 section 602A states that I have the right to privacy.

Statue 15 of U.S.C 1681 section 604A states, a consumer reporting agency can NOT furnish a account without written instructions from the consumer.
Consumer complaint received 2022-02-24
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. (DE)

Approximately XXXX of 2019 I requested that XXXX XXXX XXXX would correct the late payments showing on my credit bureau for both of my credit cards with them one XXXX  and one XXXX because XXXX autopay. The autopay worked for a couple of payments then stopped. There was an account number change that could have been the reason for the autopay being removed but it is XXXX XXXX  XXXX 's responsibility to reinstate the same services I had on the accounts. 

When I noticed there was no Autopay a couple of months later, I called and requested to reinstate autopay and correct the late payments. The representative reinstated the autopay and refunded the fees but failed to correct the late occurrences on the accounts. 

I requested a loan to pay off my debts today and the bank gave me a copy of my credit bureau. Both of the XXXX XXXXXXXX XXXX cards XXXX and XXXX are showing late payments and furthermore ; are not showing as a current payments and in good standing. These two account do not appear in my current accounts. They both show up under derogatory accounts and not showing under current accounts. These two accounts I have had with XXXX XXXX XXXX for over 20 years. 

There has been previous account number changes but never closed and reopened. The late payments and the way it is reporting on my credit bureaus is negatively impacting my credit score and credit history. I have autopay on all of my credit cards to avoid this. 

I just spent over an hour attempting to contact them through their customer service phone number. Only to speak with a representative named XXXX from New York to tell me I have the wrong department and put me back into the general Queue which doesn't give an option for disputing erroneous information reported on the credit bureau. This make is appear as though there is no accountability on the part of XXXX XXXX XXXXXXXX to make this right. They collect fees but have no contact available through their automated system to contact this department.
Consumer complaint received 2021-12-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (TX)

On XX/XX/XXXX MoneyLion withdrew {$9.00} for membership fee. 
On XX/XX/XXXX MoneyLion w/drew {$44.00} for loan repayment amount. 
On XX/XX/XXXX XXXX w/drew {$310.00} for instacash repayment. 

This was AFTER I had advised in advance I lost my job the month before & cud not cover these charges. 

My bank XXXX charged {$34.00} for each of the 3 overdrafts. MoneyLion promised to deposit funds within 3-5 days on XX/XX/XXXX. Several emails later theyve asked me twice to verify my bank account & identity. Theyre wasting my time.
Consumer complaint received 2022-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Triton Management Group, Inc (AL)

Someone applied for a loan with Always Money and they had a credit check inquiry. Now it is showing on my credit report. I spoked to a rep at XXXX snd she placed a hold on my credit report. I called always money on XX/XX/2022 and they have not gotten back with me. I attached a copy of letter they sent about the loan. I did not request for a loan with this company.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (MO)

On XXXX XX/XX/XXXX, PNC sent Thank You note to my home address for opening three accounts ending in XXXX, XXXX, and XXXX. I did not open these accounts. So, I called PNC at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to alert them to minimally a customer care issue assuming these are legitimate accounts, or potential fraud in the event they are not. 

I followed up with PNC on XX/XX/XXXX at XXXX XXXX  XXXX and was directed to XXXX XXXX XXXX XXXX by XXXX. PNC said that they could not legally give me any explanation. They said that if it was in error for a legitimate business event, the account owner would eventually call in and correct. 

This leaves assurance that no fraud associated with any of the personal SSNs, or business EINs associated with this address unanswered. PNC assured me there was nothing more they could do for me. I asked for address that I could send a certified letter confirming I had alerted PNC to the potential fraud. They were not able or willing to accommodate me on that. So, I am notifying CFPB to the fact that there is potential fraud on three accounts at PNC.

Please provide direction if there is more that I should be doing to alert appropriate authorities to minimize losses to myself, members of household, my heirs, or estate as well as everyone who has a financial relationship w PNC.. 


Kindest Regards, XXXX
Consumer complaint received 2021-11-26
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. (TX)

Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information XXXX : The account type is blank & date last paid is inconsistent with the data against XXXX & XXXX. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted Experian : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported XXXX : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete
Consumer complaint received 2015-08-15
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TENET HEALTHCARE CORPORATION (GA)

These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the XXXX and on their constant harassing and threatening phone calls, to no avail. I am now a XXXX XXXX veteran living off of XXXX and declared " unemployable '' due to my injuiries substained while XXXX. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX of the XXXX. They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX from being injuired XXXX and this does not help my XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC. (GA)

Kay Jewelers and XXXX XXXX XXXX has/have reported to the credit reporting agencies that I have bad debt ( {$850.00} ) or bankruptcy XXXX  XXXX. This KAY Jewelers charge card account was opened in XX/XX/XXXX. Kay Jewelers are reporting that the debt was discharged in XXXX XXXXXXXX. Any XXXX XXXXXXXX ever filed using my name was dismissed in XXXX. KAY Jewelers is also reporting that it was charged off in XXXX. I reside in the state of Georgia. The statute of limitation has expired for any debt collection in reference to this KAY jeweler account. kay JEWELERS SOLD MY ACCOUNT TO XXXX WITH PERMISSION have disputed this with XXXX, XXXX, and XXXX XXXX reporting agencies on more than one occasion. XXXX XXXX removed this account but KAY JEWELERS still reporting and needs to remove the entry and complete account and line entry from my credit profile immediately. I have contacted all parties involved and filed disputes. I am prepared to take legal action and complaints to XXXX and FTC. THESE COMPANIES ARE IN violation OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2022-02-24
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. (AZ)

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solar Mosaic LLC (NC)

I obtained a loan for solar panels from Solar Mosaic via the selling agent, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. To this day the system has either not worked at all or not properly. I e continued to pay the loan while working with the installer to fix, replace, remove the system. Im XX/XX/XXXX the installer went out of business and filed bankruptcy, leaving me owing {$40000.00} with nothing to show for it. 
I reached out to Solar Mosaic on several occasions asking for loan modifications, freeze the loan, or any other assistance. Ive been told no in no uncertain terms leaving me with no option but to stop making the payments. 
I dont want to ruin my credit but I cant continue to pay for a system that doesnt work. 
The NC state attorney general has opened an investigation into the installer including fraudulent sales practices of XXXX XXXX XXXX and the loan companies that financed their panels. Im asking for relief, assistance, help of any kind to come to a peaceful resolution that doesnt ruin my own credit. I appreciate any and all help you can provide. This is a LONG story but Ill go through it with anyone who wants to listen. 
Thanks. 
XXXX XXXX
Consumer complaint received 2022-02-24
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. (TX)

This is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX, XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX XXXX Balance {$170.00}
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

I have received letters from time to time attempting to collect a debe of just over {$700.00} for a XXXX bill. I have never had a XXXX account of any type. I have repeatedly disputed the attempt at collection, and asked repeatedly to see written proof of said debt. No proof has ever been offered. Attempts to collect said debt continue. 
Creditor : XXXX, Client Account # XXXX, Convergent Account # XXXX. Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Box XXXX XXXX, Wa XXXX XXXX.
Consumer complaint received 2022-02-24
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)

Hi I am submitting this XXXX XXXX without 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 719tXXXX has me at a score around 590. 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 XXXX 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 three 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-01-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

Commonwealth of Virginia and XXXX XXXX investigation are still open disputes, have been open for several months now. I would like all disputes on my equifax report to be closed.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Today I read about the lawsuit filed against XXXX/Navient. I am a borrower with several student loans with these companies, dating as far back as 2007. I have been the target of deceptive repayment practices, misalocation of bulk, one-time payments despite explicit instructions, and willful, frequent changes to my repayment structures without my knowledge. Please contact me with instructions on how I should proceed. And thank you for what you are doing.
Consumer complaint received 2022-02-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

In late XXXX, I matched with a woman named XXXX XXXX on the dating platform called XXXX. We continued our chat through XXXX. She introduced me to a concept called liquidity mining pool in which one pledges tether ( XXXX ) in order for that cryptocurrency to be used for the pledgor to receive ethereum coins as rewards. I entered into this process by first wiring and sending funds up to {$75000.00} to Coinbase in order to be a part of this mining pool. I purchased tether on Coinbase and sent the tether to my Coinbase wallet. From my Coinbase wallet, I accessed through the Coinbase web browser this website : XXXX. From there, my wallet became attached to a node from the XXXX website. On the XXXX of this week, I tried to withdraw my funds back into my Coinbase wallet. The website is forbidding me from doing so unless I pay {$42000.00} in taxes to the mining pool. If I dont pay by XX/XX/XXXX, my funds will forever be frozen. I need immediate assistance. Please help me.
Consumer complaint received 2022-07-05
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)

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 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

It is getting absolutely ridiculous how high my monthly payments are even on income repayment plan. It makes it difficult to pay other monthly bills ( mortgage, insurance, etc. ). My student loan debt has grown to over {$45000.00} from my original loan due to accrued interest and another interest language they have told me. It is very scary, I 'm going to be paying to who knows how long and most likely when I will be putting my children ( once I have them ) through school. How is that supposed to work??? Something has to change. Attached my monthly statements, yes plural. I have XXXX that amount to {$700.00} a month!!!!!! I