davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I have been a NetSpend customer for many years and was happy overall. On XXXX XXXX my account was hacked at an ATM with XXXX  XXXX XXXX. My card was in my presence and I was at home. I filed a dispute and had to wait 10 days for a refund to my account. When I inquire about what happened they would not go into details for security. 

I opened up a different account after the first incident because my card was block from the 1st fraudulent incident and I needed a card to access what ever funds that was left on the card the hackers could not steal. 

Again on XX/XX/XXXX another incident where the hackers stole {$580.00} from an ATM at at a XXXX from a new NetSpend account. NetSpend is allowing the SCAMMERS and thieves to steal or access my money, leaving me once again financially destitute. It is all over the news and social media pertaining to scams at XXXX stores in different parts of the country. 

The most appalling part is that NetSpend is the customer service. NetSpend spend asked for XXXX business days for the results of the dispute. Here it is 10 Business days and NetSpend can not get an update about my hard earn funds. Icalled and spoke with so many people, just to be told they are awaiting from a response from their dispute team. I asked to speak with a representative from their dispute team to be told they do not have access to transfer to the dispute department or a Escalation Manager. WOW! I NEVER HAVE HAD SO MUCH HORRIBLE SERVICE. 

I want NetSpend to refund my money back asap. This is the only update I obtained by NetSpend. 

XXXX XXXX Subject : Dispute Claim Follow-up Status Update Account Number XXXX Claim Date : Fri XXXX XXXX XXXX XXXX XXXX Claim Number : XXXX Claim Amount : {$580.00} Dear Valued Customer, I understand that you would like to know the status of your claim. 

I have reviewed your account and our records show that we received your request on Fri XXXX XXXX XXXX XXXX XXXX. Your next update regarding the status of the dispute will be available on XX/XX/XXXX.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (GA)

Upon checking my latest credit report with Upgrade inc. I notice there is a balance listed on my XXXX credit reports XXXX, XXXX, and XXXX in reference to this account. I paid this account in full XXXX of 2022. I have contacted this company in reference to this incident several times and mentioned there has to be an error/misapplied payment using your online payment service. Payment was never return to my financial institution. I have had problems with payment posting to this account with this company every since I opened the account a few months ago.Please assist me in resolving this issue. I have enclose bank document showing amount paid.
Consumer complaint received 2019-07-26
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. (NV)

This is in regards to my XXXX XXXX XXXX finance loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and XXXX XXXX to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, XXXX XXXX, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from XXXX XXXX to support my claim.
Consumer complaint received 2022-04-22
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. (OH)

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Date Opened : XX/XX/2021 Balance : {$5800.00}
Consumer complaint received 2022-04-25
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. (AZ)

I was checking my credit report, you post incorrect information. The accounts never belong to me and Every bureau has different information which is also wrong. Im sure that someone hacked my personal information.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: STERLING BANCORP (CA)

i first emailed The be company XXXX XXXX on XX/XX/XXXX of this year about having received noticevof The closing of my account and asked in that email when i would receive my funds due to me from The acct which are almost at {$2700.00}. i ha e emailed them three morectikes since that that initial inquiry on The 9th to no gain no responses at all from them. Which their customer service service line doesvnot functiin property at all either??!!
Consumer complaint received 2021-12-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA (PA)

I have contact this company on multiple occasions in the last 2 1/2 years one being XX/XX/21 regarding a account placed on my credit report due to identify theft. I have spoke to multiple representatives regarding this matter and was told that a fraud packet would be sent out to my home on several occasions for me to complete and mail back which I never received, on XX/XX/21 I spoke to XXXX badge number XXXX who told me that no packet was ever sent out to me and every time I requested for a packet to be sent out my request was denied from the back office, when I asked why he stated he was not sure! I have sent in several police reports to the company and still nothing!! There are refusing to do their part in helping me fix this issue.
Consumer complaint received 2022-01-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. This account has been paid in full
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NH)

Since the Equifax security breach I have been trying to stop them from collecting my data. 
I do not trust them any longer, as they have shown to be terrible custodians of my information. The best they seem to be able to do is to put a credit freeze on my report. This does not stop them from collecting my data. How can I stop them from collecting any more data on me?
Consumer complaint received 2019-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (OH)

Great Lakes put my account into a repayment status despite the fact that I have a pending borrower defense claim ( XX/XX/2016 ) and in violation of FSA policies. When I contacted Great Lakes about this they gave me false and misleading information telling me that I had to enter a repayment plan of some kind. And that was my only choice and my best interest. This is not the case. Because I have a pending borrower defense application I should not have been made to make payments on a fraudulent student loan that is under dispute. I paid for months under the plan they forced me into when my account was supposed to be on hold and protected through Defense to Repayment case. The last call was with XXXX at Great Lakes employee ID XXXX.
Consumer complaint received 2022-08-03
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

We applied to purchase some cars at XXXX of XXXX XXXX in XXXX XXXX. 


I was told that we as a company were approved for vehicles we wanted to purchase at their dealership. There was an error in the way they structured the deal ( their fault ) then realized they would need to submit that to their business customer support channel and would take days to get a response. They advised it would take approximately 2 days and get back with me to come and purchase cars. In the meantime they sold to highest bidder even though we had ordered cars for us, even though they pulled our credit. 

This is infuriating to say the least, why? Because we have worked for year to establish tier 1 credit, sweat equity, as well as a lot of things to figure out how to come up with large amounts of cash to pay off loans and sell our old inventory to bring in the new and literally just be left hanging because they made a few extra dollars on a deal. 

I don't mind them making money, the problem is pulling the credit, telling us we were approved and then blame it on " you weren't approved '' all the while cars were listed on their website.
Consumer complaint received 2021-08-04
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)

Transunion, XXXX and XXXX are showing incorrect and inconsistent information. The false and inconsistency is in regards to the reporting of late payments. 

One agency will say it was late on XX/XX/XXXX but say it was paid on time on another agency. Vise versa with XX/XX/XXXX.
Consumer complaint received 2022-04-20
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: SYNCHRONY FINANCIAL (NC)

I have contacted this company numerous of times once I left from incarceration. I contacted them immediately to let them know I have been a victim of identity theft and the account and inquiries need to be removed from my credit. I provided FTC report to them and fraud alert. The account was removed then came back removed again then show up again. This is unlawful. I will take proper steps needed next if this is not handled after this complaint.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My family was looking for a cat breeder. We came across this websitXXXX XXXX  : XXXX and they had an available kitten that we liked. We spoke to the breeder via email and she sent us numerous photos/videos of the kitten. We applied to purchase the cat. We went through a lengthy " interview '' process where they determined if we were a suitable match for the kitten. Eventually we were approved. The breeder is out of state and we arranged for shipping ( We have done this with two of our other pets, so we are familiar with working with out of state breeders. ) on XX/XX/XXXX I signed a purchase agreement and sent the deposit for the cat via XXXX, {$1300.00}. This was all very standard. The breeder claimed she never received it which was the first red flag. XXXX transfers are immediate. I asked her to double check and never heard from her again. The email communications stopped and we never got our kitten. 

On XX/XX/XXXX I reported this to bank of america ( my bank connected to XXXX ) and around XX/XX/XXXX bank of america denied my claim stating that I willingly sent the transfer and they would not do anything further. 

This was a very legitimate looking business with a professional website, email service, purchase agreement, etc. I am appalled that we lost {$1300.00} to this very elaborate scam.
Consumer complaint received 2022-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Back on XXXX XXXX I sent letters to all three bureaus challenging information on my credit report that did not belong to me. I called each bureau in XXXX. I can remember the exact day and stated that it has been over 30 days and I haven't heard anything about my disputes. Each bureau told me that do to covid that they have XXXX to 60 days. Due to the holidays it slipped my mind that had still not heard anything back about my disputes. I seek out legal advise and was told that I should submit a complaint with the CFPB and that if this did not resolved issue. I explained to attorney that the stuff that was on my report was not stuff authorized or belonging to me and that I'm known victim of Identity theft. Everytime it's time for me to renew my permit in the field of work I do I have to jump through loops to prove who I am. I need the items I'm challenging remove asap.
Consumer complaint received 2022-01-12
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. (NY)

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 2022-01-12
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (VA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2022-08-25
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)

There seems to be previously blocked fraudulent accounts reinserted on my credit file Per the FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent.

The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what equifax received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK (MS)

Account was placed into suspension, Im not able to use card or order new card along with increase my credit limit ; due to me being denied because of erroneous information being furnished on my account by other companies. Discover is denying me credit or to extend my credit due to the information they obtain every month from running soft inquiries on my consumer report. All of these acts from discover are violations under the FCRA, TILA and ECOA.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I C SYSTEM INC ORIGINAL CREDITOR XXXX XXXX XXXX IN THE AMOUNT {$310.00} THIS ACCOUNT WAS OPENED FRAUDULENTLY WITHOUT MY CONSENT AND OR KNOWLEDEGEMENT
Consumer complaint received 2019-07-26
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. (OH)

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2019-07-26
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 disputed information that is being reported on my credit file by all three Credit Reporting Agencies XXXX, XXXX and Equifax. they stated that they verified the items that i was disputing and in turn requested that they provide me with the method of Verification and documents bearing my signature. 

They have not provided me with the method of verification as requested in several letters. they continue to send letters stating the they do not understand my request and my request are very clear.
Consumer complaint received 2019-07-25
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. (FL)

XXXX, EQUIFAX AND XXXX HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.. 

ACCOUNT : XXXX XXXX XXXX NOT MINE
Consumer complaint received 2022-08-24
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. (NY)

In accordance With the fair credit reporting act XXXX Account # 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 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX XXXX Bank XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 



In accordance With the fair credit reporting act XXXX  Account # 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 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CT)

I have been trying to get my credit freeze with Equifax lifted since XX/XX/2021. I am locked out of my account and when I finally got through to the call center in the XXXX they keep telling me I am not verifying my identity correctly. I confirmed five questions on the phone about my credit history, I confirmed my name, date of birth, emails address XXXX street number and zip code. I then verified a code they sent to my phone ( the phone number was separately verified ) twice and the agent said I didn't give the correct code. They then sent me a link to return picture of my drivers license. I did this twice with my XXXX XXXX and took crystal clear pictures with no glare. They rejected them all. I asked to speak with a manager and the agent hung up on me. I need to buy a computer today at XXXX, and I need the line of credit to get the extended warranty. I was also part of the data breach that happened several years ago. This is entirely unacceptable and I would like to see them disciplined for their negligence and inaction.