davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
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. (TN)

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.
Consumer complaint received 2020-07-17
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: JPMORGAN CHASE & CO. (CA)

This complaint is/will be very brief, because I have no more time to waste on people that dont respect me. See the attached screenshot. In addition to the screenshots that were sent to your executive office vis -- vis email the other day, please see the following attachments. I have a screencap of Chases system once again randomly messing with my available credit. Please see how my current balance is {$1000.00}, pending charges total {$1800.00}, and the amount of available credit ( from a supposed limit of {$3700.00} ) is only {$800.00}. I have purchases from sellers on XXXX who are expecting immediate payment. I have been unable to pay them because your card doesnt work ( and neither does XXXX, but thats another issue ). The point is that I should be able to use my credit when I need, and I havent been able to do so through no fault of my own ever since I got this card. And it is adversely affecting my ability to live, eat, do business, etc, continuing into the present day. I was on the verge of suicide last week and had the police come do a welfare check because I am so depressed and beaten down by you people.
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

I got my ID to verify with XXXX and when trying to connect with my bank to transfer money I got a pop up for PNC Bank that they made a change that prevents me from linking my accounts to put money in my virtual debit card in XXXX. They told me I could file a complaint here
Consumer complaint received 2021-04-07
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. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

My bank PNC is not allowing me to connect my bank account with my XXXX XXXX  account. I would like to transfer money from my cash app into my bank account but I can not do that. Now I must go pull money out of the ATM in order to receive my money.
Consumer complaint received 2020-07-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (MN)

I've been waiting on the dept of ed since XX/XX/XXXX to ask for any debt forgiveness after my husband 's leg was amputated XX/XX/XXXX. I can not afford my loans. Furthermore the school i attended was closed by the dept of ed for selling phony loans and over charging interest and lying about their accreditation policies. Selling worthless degrees. I've been directed by the dept of ed to work with great lakes but am going in circles. How long does it take for file to be reviewed? I think 3 and half years is absurd. I can not get a mortgage loan since there's no actual student loan payment reporting on credit and the mortgage lenders want to use 1 % of the payment against me. On XXXX that's over XXXX a month causing me further financial harm since i shouldn't be wasting my money on rent. The school i attended ( MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX was sued by the state of mn in a class action lawsuit. I incurred financial harm from misappropriated account ledgers ( The school was cooking their books ) misappropriating grant money, etc. I provided my student ledgers, a hardship letter and a request form. 

I've wrote letters to the secretary of ed XXXX XXXX but she too will not respond to any correspondence.
Consumer complaint received 2020-07-17
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (LA)

On XX/XX/2020, I received an email with the results of a background check done by Checkr, for the company XXXX. The background check showed warrants with XXXX XXXX in Louisiana. However, after checking with the XXXX XXXX Sheriff 's Office, it has been confirmed that I have no active warrants, and that checker is showing years old information. This mistake led to me losing my employment and only source of income.
Consumer complaint received 2022-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

XXXX XXXX XXXX attempting to collect a debt on behalf of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. This company seems to want to collect money that isn't due. The lease was terminated on XX/XX/2021. Prorated rent due was {$870.00} which was submitted. This company is attempting to collect {$1500.00}.
Consumer complaint received 2020-07-19
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. (MD)

Credit bureau calculations when educational loan is paid off two months early. The score dropped 78 points. Im working hard, paying my bills, and watching my financial health. 
Consumers have the right to know the metric of the three major bureaus use. We have a right to know the triggers that have been set in their systems to increase or drop the consumer numbers. This data impacts everything. There should be more visibility into the process by consumers, transparency builds a great foundation and educates the people being judged correctly or incorrectly. 
I trust government oversight, as a public servant myself, I just want fair reporting and not be penalized for paying off accounts with firm begin and end dates. The system needs an overhaul.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

Barclays Bank refuses to reverse a charge for a transaction in which the merchant admittedly never provided the services for which I contracted. On XX/XX/2020, I paid merchant XXXX XXXX {$390.00} via my Barclays credit card in order to transport luggage. Through no fault of my own, the luggage was never loaded on the plane, and I subsequently sent the luggage via airfreight with another company at about double the price ( see attached invoice ). US Department of Transportation Regulations require that all charges be refunded to the customer under these circumstances. ( See : https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds ). In violation of these Federal regulations, the merchant desires to give me a " travel voucher '', which I neither requested nor want, and would mosts likely never use. Bizarrely, rather than refund an admittedly illegitimate charge, as it is required to do by law, Barclays Bank has decided to assist the merchant in its own violation of Federal law and regulations by insisting that I must accept the travel voucher, rather than a refund of my money. By so doing, Barclays is violating the law while also acting as an accomplice of the merchant in its own violation of Federal law. Barclays need look no further than the fact that I admittedly never received the services for which I paid. Failure to refund my money makes Barclays a party to the merchant 's fraud and deceptive practices. Barclays is not a Tribunal, and has no right to choose sides. It is a bank which must follow banking law, which stipulates that I am not required to pay for services which I never received. Barclays should follow the law and refund my money.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (FL)

On our PayPal account, we have realized the primary email address was changed without our authorization to a name we have no idea who it is. The communication for an order placed using PayPal did not come to my email address which is why we looked at account to find this horrific finding. 

Even though we can log on and can see things, we can not change the primary email address. It says to call PayPal. We have tried calling every number available and the lines keep saying their customer service lines are very busy and we should go the message center and hit HELP and it will be faster. 

We have done this and it says they will respond in a few hours, and nothing happens : no text or email - which if they are emailing - this fictitious email address is receiving the communication! We tried again and same thing - nothing. 

We can't get through and we can't close account.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (FL)

I never got one letter stating I owed this amount to XXXX or any letters to say they were attempting to collect a debt they must not have my new address- so I called XXXX and they said I don't owe any money as well and I even have tracking numbers for the equipment that was already returned to XXXX Also, the equipment in question is at my current address under my wife 's name so once again -This is not a valid debt. The debt collection company also would call me at XXXX XXXX in the morning as I have been living in CA for work and then wouldn't state who they were and wanted me to provide personal information before they would disclose who they were and I did not feel comfortable doing so. They violated several laws with the way they called before XXXX XXXX and I'm concerned they are doing the same to others. they also called one time 14 times in a row before XXXX XXXX  My tracking numbers for the returned equipment are # XXXX XXXX  also gave me a ref # that proves I don't owe them any money its ref # XXXX
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (AZ)

Previously, I received emails from Credit Karma for pre-approved credit cards and when filling out the information and submitting it I was denied due to previous bankruptcy and a hard credit hit was on my account.
Consumer complaint received 2021-01-24
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)

I am filing this complaint because the credit bureaus has ignored my request that my privacy has been breached under 15 USC 1681a ( 2 ) ( B ). They do not have my written consent or verbal consent to have my information on their website and that they have failed to comply to my " Affidavit of Truth '' with their own Affidavit, since they have failed to answer my affidavit with their own affidavit point by point my " Affidavit of Truth '' stands as truth, and that an affidavit can only be answered by an affidavit. I am asking that they delete all information that are in violation of my rights as a federally Protected consumer under title 15 chapter XXXX. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2020-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Theres an account reported by XXXX XXXX XXXX. I have been going back and forth with this agency. But I wont even get into that right now. I went through the automated system and answered a series of questions verifying my info. The automated system Then give me information about dispute. I wanted to speak to a live person. So I selected an option to speak to a live rep. I was once again asked a series of question which I answered and was locked out of my account. I looked online and saw that other consumers have had a hard time reach anyone please help
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT EDXXXX, XXXX Company Inquiries : 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
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (VA)

I invest in an on-line brokerage platform called Robinhood out of XXXX XXXX, CA. They have locked my account and despite several emails, they just ignore me. I see i am losing money daily because stocks are declining but have no ability to move them since o have no access. I tried calling but they sent me to their website and just hung up. I then filed a XXXX  complaint but XXXX basically said not to expect anything because of the XXXX complaints this year they have only responded to XXXX and now ignore them all. XXXX pulled their accreditation and slapped them with an XXXX  rating. I am powerless and hope this important agency can help. Thanks.
Consumer complaint received 2020-12-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent disputes to the credit bureaus regarding inaccurate accounts reporting on my credit reports. It is XXXX and I have not received any results from the investigation. Legally the credit bureaus have 30 days to complete an investigation. It has been over 90 days and nothing has been done. These accounts need to be deleted from my credit reports immediately or I will file litigation due to the stress this has caused me. My infomation was impacted by the Equifax data breach and could have gotten in the hands of the wrong person. XX/XX/2020 I Sent an additional letter to the credit bureaus and they have ignored that one as well.
Consumer complaint received 2020-07-17
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: Selene Holdings LLC (OH)

I am going through a refinance with XXXX XXXX  ( Great Company! ). They pulled my credit report and saw that there was an report pulled by Selene Finance LP ( my current Mortgage Company ) on XXXX XXXX. When I called Selene Finance LP to ask why they pulled my credit Report without my knowledge. The agent said we were looking for a phone number? The agent read off 5 numbers and 3 were my correct phone numbers. 
So Selene Finance LP did have my phone numbers on file. I explained to the agent from Selene that when they pull a credit report it is not good because it can affect my credit score. He said that is what we do to get information? 

XXXX XXXX had questions when they saw this because I am at the end of the re-finance process with them and up pops a credit pull from Selene Finance! 
I am no professional in this business but I think a company has to have permission from a client before they randomly pull your credit report and surely not to find a telephone number! 

This is outrageous and very unprofessional and un-ethical. The XXXX XXXX XXXX and I both have requested a pay-off on my current mortgage account with Selene Finance LP, we both ask them to put a rush on this because I am about to lose my rate for refinance with XXXX XXXX. Selene Finance LP never responded to XXXX XXXX XXXX! So I reached out to them also to let them know I need this pay-off like yesterday and Selene Finance they told me it would take 5-7 business days to get a pay-out!!! Please help me! I am in need of this information immediately and Selene Finance is messing me up royally with the improper credit check and the time it is taking them to give me a pay-off letter to submit to my new refinance company. It is not fair or ethical of Selene Finance to do this.
Consumer complaint received 2022-08-19
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. (TX)

FCRA violations : social security number not mine XXXX FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION XXXX negative Date opened XX/XX/XXXX Balance {$0.00} Status Collection account. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Collection account. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} writte
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MA)

Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I've attempted so many times to reach out to this company but they refused to provide me any details. 

Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section XXXX XXXX ) ( XXXX ) : I will expect a written reply within the required 30 day timeframe.