davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to XXXX U.S.C XXXX XXXX XXXX A States I have the noht to XXXX XXXX XXXX XXXX XXXX XXXX A Section XXXX : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

paypal held my money in my paypal account within 108 days, may you help my problem I will cooperate to speed up the process. I can't contact them i tried and i just received a email that i no longer to used my paypal account and they need to held my money in 108 days
Consumer complaint received 2022-07-29
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. (CA)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX  XXXX XXXX Balance Owed : {$430.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2022-03-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (CA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX which was originally stated would be delivered on XX/XX/XXXX. When the car had not been delivered on the XXXX, I noticed an email was sent XX/XX/XXXX stating that my delivery had been delayed. 
I called Carvana on XX/XX/XXXX and spoke with XXXX XXXX. I explained that I was currently in a rental car due to my previous car being declared a total loss and stated due to the delay they I would need reimbursement for the rental car as it would no longer be covered through insurance. I received a text the next day stating that Carvana would cover up to XXXX per day for the rental through XX/XX/XXXX which was the new delivery date. I agreed to this amount even though this was only half of the cost of the rental. On XX/XX/XXXX I received another email stating the delivery was delayed again to XX/XX/XXXX. I called carvana again and explained because the delivery date was pushed back on their end again, I would need the full rental covered. I spoke with XXXX XXXX who stated that the most carvana could reimburse was {$40.00} per day. I asked him to send an email which he detailed that carvana would cover {$40.00} per day for my rental for a total amount of {$880.00} and that I would be able to request they covered more. I explained to XXXX that the rental rate of {$50.00} per day was actually discounted for my insurance company, however, the rental company accommodated that price through XX/XX/XXXX so I really needed my car by that date. He assured me that carvana did not expect any more delays. 
However, on XX/XX/XXXX I received another email stating the car would be delayed through XX/XX/XXXX. I called carvana again and spoke with XXXX and explained I could not hold the rental any longer and I needed a car. Due to the constant delays I had to go through a local dealership. Carvana is now denying reimbursement for my rental though I have already paid {$1000.00} and have paid a month insurance for the XXXX. I would like the full rental reimbursement
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I attempted to obtain a copy of my consumer REPORT AND CONSUMER FILE from XXXX and equifax via annual credit report but I was given error messages every time I attempted to get the files. This is my third month attempting to get these reports without success.
Consumer complaint received 2022-07-29
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. (MD)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I, XXXX XXXX who is a consumer/natural person sent certified letters to the consumer reporting agencies XXXX, Experian, and XXXX in which they were received and signed for. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. Experian with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. XXXX with the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, received my letter on XX/XX/22. All XXXX of these consumer agencies are breaking federal law by furnishing information on my consumer report WITHOUT MY CONSENT per 15 USC 1681b ( a ) ( 2 ). Its been well over 30 days and they are still reporting inaccurate information on my consumer report and has ignored my request.
Consumer complaint received 2021-05-28
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: U.S. BANCORP (CT)

On my credit report there is un authorized items on there that don't belong to me. Please see below all the items that are not mines at all. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft ELAN FIN SVC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

I had a brokerage account with Robinhood.com. on XX/XX/21, I authorized Robinhood.com to withdraw {$500.00} from my bank savings account to participate in the XXXX XXXX. 

Robinhood did TWO {$500.00} withdrawals from my bank savings. Neither the Robinhood customer service person can locate nor the Robinhood app shows my {$500.00} cash balance. 

This is even though I have email from Robinhood.com acknowledging the two withdrawals. I have screenshots from the app acknowledging the two withdrawals. and I have a bank statement that shows the two withdrawals. 

I have repeatedly emailed Robinhood.com this detailed information. they have not responded satisfactorily. And now they have ceased responding altogether. 

Robinhood has stolen or lost my money. And I want it back.
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On or about XX/XX/2022, I changed my phone number on my online banking account. The next day I was locked out of the account. I went into the local branch office and was told that I would not be allowed to access my account for XXXX days. They refuse to reset the account and claim it was standard procedure. They offered no legal basis for not allowing me access to my account.
Consumer complaint received 2022-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TX)

I'm unable to make a Principal Only payment through the website or the Mobile app. 

On the website, the option is not available. 

In the mobile app, the option is available, but disappears once I select a payment method. 

I called in to Customer Service XX/XX/2022 XXXX AM and spoke to multiple people. None of which could resolve the issue.
Consumer complaint received 2020-03-19
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. (NJ)

I have XXXX accounts thats on my credit and they dont belong to me. The credit bureaus have not contacted me in 45 days with a reponse XXXX will type all the creditors here. Please help me they refuse to investigate and send me proof My wife and I were divorced and I checked my credit because I was starting over and I saw all these accounts thats not mines I contacted each creditor and they said If I dont pay they would ruin my credit. I will upload a copy of the credit report delete all accounts sunrise XXXX, XXXX/XXXX, XXXX XXXX, dpt, edXXXX 6 accounts, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX NEVER HAD STUDENT LOANS ALL THESE ACCOUNTS ARE DUPLICATES AND THE ACCOUNT NUMBERS ARE ALL DIFFERENT WHEN I CALLED THE TOLD ME THAT THEY CANT SPEAK TO ME BECAUSE IM NOT GIVING COREECT INFORMATION. THIS IS FRAUD. THIS ISNT MY STUDENTS AND I NEVER HAD A CAR. 

ALL ACCOUNTS ON CREDIT REPORT ATTACHED CIRCLED DOED NOT BELONG TO ME AUTO. SOMEONE EVEN TOOK OUT A LOAN AND PAID IT
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CT)

Filed for an income-driven repayment plan in XX/XX/XXXX. Fedloanservicing stated that I needed XXXX 's tax returns to complete my application for income verification. Prior year 's tax returns were not an option when filling out the application. They provided other options such as a pay-stubs, certified statement from employer, or proof of self-employment. I'm self-employed so any required forms from an employer are non-applicable. 

In XXXX I filed an extension for my income taxes which meant I wouldn't be filing until XXXX. I received an email on XX/XX/XXXX, stating they were unable to process the income drive request form due to a lack of income verification I called and notified Fedloanservicing that I wouldn't be filing until XX/XX/XXXX. They said they would accept XXXX 's tax return. I submitted the tax return and my income-driven repayment plan was accepted. The monthly payment was modified to {$0.00} retroactive of XX/XX/XXXX. I was notified via email by the credit bureau that I received seventeen 90-day late delinquency accounts posted by Fedloanservicing in XX/XX/XXXX. 

In XXXX, I called Fedloanservicing to remedy the situation. Fedloanservicing refused to remove the delinquencies from my credit report stating the items were reported accurately at the time. I informed them when submitting the application, there was only a field for XXXX 's taxes which I didn't have. It was the only thing missing from my application. The email sent on XX/XX/XXXX did list XXXX 's tax return as a method of income verification. It was not an option until I spoke to a representative.
Consumer complaint received 2020-07-28
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. (GA)

I have been disputing with Equifax for several years now concerning the inaccurate reporting of information on my credit report. When I submit the disputes, the results come back verified, but I can not verify these account with the information provided on my credit report ( Account number, original creditor, collections ). Equifax also is report accounts as charge-off and closed, even though I have provided proof of accounts being paid by insurance companies and not having late payments. Additionally, Equifax is also reporting on account that have been closed 5-6 years ago and continues to report monthly with some updates being paid on-time and then late. This is impossible considering that the activity has been reported on the account since the account was closed and/or the last payment was made. Additionally, Equifax is verifying as accurate and verified even though there are HIPAA law violations, which I have mentioned before. Equifax also barred me from seeing dispute results. The results of much of those disputes are no longer available to me. The most recent time this has happened was XX/XX/2020. Additionally, I requested information from Equifax, detailing the independent verification process and methods used when verifying these account. I have not received a response. Much of the inaccurate information reported by Equifax has adversely affected my credit for years, which is a violation of my consumer rights under FCRA and FDCA. Additionally, I contact the accounts on file and many of these creditors were not able to provide me of the original contract with a signature to verify the account was mine. This was also report with not response from Equifax. Additionally, not all infromation is reflected the same across all three credit bureau 's with Equifax having the most discrepancies and inaccurate information
Consumer complaint received 2020-03-19
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XX/XX/XXXX/XX/XX/XXXX
Consumer complaint received 2020-03-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (WI)

As you can see two payments one year apart did not apply funds to principle. XX/XX/XXXX payment of {$370.00} principle- {$310.00} interest- {$63.00} but only {$60.00} was credited to account. XX/XX/XXXX Payment XXXX Principle- {$290.00} interest- XXXX But XXXX $ was credited to principle. Not to mention the interest charged on the XXXX for over 12 months. So that breaks down to {$600.00} not including the charged interest of 8 %. I am trying to pay off this loan to get a lower interest rate. they seem to be dragging there feet as they continue to charge me interest daily. I called on a Monday they said call back fri or Monday following week. it has been 2 weeks and still no one is fixing this issue. They keep playing and saying there is no way for us customers to get a hold of that dept.
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (NJ)

I have been getting threatening phone calls from Allied Interstate about money I owe to someone. Since I DO NOT OWE ANYONE ANYTHING I told these people at Allied Interstate this but they continue to harass and make threatening phone calls. On Tuesday I received another of these calls from someone on my called I D as UNASSIGNED and decided to answer it. I've received numerous calls from this UNASSIGNED in the past but this is the first time that I actually talked to someone. The person told me that his name is XXXX XXXX and after getting verbally abusive toward me he told me that he worked for Allied Interstate, which is a debt collection agency, which I looked up after our phone call. Anyway, I told him I don't owe anyone anything and don't call again. After this call I filed a complaint with the FTC, report # XXXX, and thought that I would not hear from them for a while. This morning at XXXX am I received a call from XXXX, Texas ( XXXX ) from, you guessed it, XXXX XXXX! I reminded him that not only am I'm still on the do not call list and I did file a complaint with the FTC why is he harassing me AGAIN?? He said are you not this person and I said no. He told me that they would not call anymore and then he hung up. This person knew that I did not owe them anything but still continued to call and harass me!!! Please help me in this matter and tell them to stop this continued harassment. Thank you.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VA)

I had loan. Approved for {$2100.00} was put into my Pay Pal account. Card number # XXXX XXXX XXXX XXXX valid thru XX/XX/20 CCV # XXXX I only got to use these funds for a week then my card was cut off. I spend only {$620.00}. There be a balance of {$1600.00} left. On my card. 

The Pay Pal company. Said I spend {$2100.00} in a week. That is WRONG ..!!! 


Plz check into this. 

Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

XX/XX/18 I tried to put a " Simple Freeze '' on my credit report thru the Equifax Web page. No success. I called customer support & was asked questions about my employment 38 years ago. I have been completely out of debt for 20 years now & I felt as if I was being investigated by the FBI. This is totally ridiculous. Now I question the integrity of the company & feel foolish for giving them all my personal info.! 

Thank you!
Consumer complaint received 2022-07-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (OK)

I opened a savings account with Citibank on XX/XX/XXXX Initiated two deposits {$5000.00} and {$500.00} from two separate checking accounts with two separate banks on XX/XX/XXXX. 

On XX/XX/XXXX I received an email stating that my account was closed due to a violation of the terms of my account. ( other than these transfers and setting up paperless billing, I did nothing else to this account ) Called Citi on XX/XX/XXXX to see what had happened. They told me nothing except that my account was locked, I have to wait 60 days to access my funds. They said there was suspicion of fraud, but would not even tell me why my account was locked. 

I received my Citi debit card approximately XX/XX/XXXX. 

Called Citi again on XX/XX/XXXX as unexpected expenses have arisen, and I need access to my funds that are being held by Citi. I received the same response as before, wait 60 days and they will not tell me why my account was locked in the first place. I asked to speak to a supervisor, I was told none were available. I asked when one would be available, so the call center employee took my number and said one would get back to me. Based on my current experience with this company 's customer service department, I assume this call will never happen and decided to file a complaint with CFPB.