davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CT)

All of the attachments that will be produced are the accounts in question for fraud and misuse of my information all credit reporting agencies Experian, XXXX, and XXXX should be taken off immediately due to wrongful reporting on accounts that do not belong to me under section 623 you have 30 days to respond with proof of signatures and ID connecting me to this
Consumer complaint received 2022-05-02
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. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURINSH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AN PURPOSE.
Consumer complaint received 2022-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I have been wanting to make targeted payments toward my student loans, and my goal is to target payments toward loans with higher interest. However, that information is not available because there is not currently interest accumulating due to the COVID forbearance. I contacted FedLoan to obtain this information. The customer service provider could only provide this information verbally. She did indicate that a breakdown could be generated and uploaded to my portal. This has not happened, and instead, I was provided letters of update regarding PSLF, which doesnt apply to me. Further, one can not obtain a historical breakdown of payments or accumulated interest over time. 

Being that I was provided interest information verbally, I felt I had adequate information to make a payment. On XX/XX/XXXX I made a payment through the Fedloan online portal. I targeted two different loans and paid the entire loan amount listed. 

I paid one loan in the amount of XXXX and another for XXXX. My payment breakdown states : XXXX went to principle and XXXX toward interest on loan 1 ; and XXXX toward principle and XXXX toward interest on loan 2. 

Currently, FedLoan is stating these two loans are not actually paid in full, as there is outstanding interest that is not factored into targeted payments. Considering there has not been any interest accumulation in two years, this is intentionally misleading. I also have a loan verification letter from XXXX of XXXX with the same amounts listed, that apparently, do not include interest. This letter was utilized so I could obtain a mortgage. 

Further, there is no messaging when making payments to FedLoan stating that information listed is not inclusive of interest. 

This process, the website, and the ability to understand amounts due is intentionally misleading and difficult. Attempting to pay back and manage student loan information continues to cause an amount of anxiety that is unnecessary. The amount of time, energy, and resources that I have put in to obtaining the correct information is beyond infuriating and is utterly nonsensical unless the goal is further burden those with debt. 

I have had 3 mortgages in my adult life, and several car loans. The information regarding repayment and interest is both clear and available. I can obtain a breakdown through the duration of the loan amount, interest amount, and how my payments are applied. How come student loans CONTINUE to be intentionally misleading and difficult??
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (AL)

Around XXXX XXXX  tonight I noticed a transaction on my chime Checking account for " {$150.00} money transfer to XXXX XXXX using the pay anyone feature ''. The transaction was done at XXXX XXXX  on XX/XX/2023. I did not make or authorize this transaction. 
1. At XXXX XXXX  the same day I was at tmobile shopping for an upgrade on my phone. I paid my phone bill while I was there usimg my Chime card. That transaction was at XXXX for {$110.00}. 
2. The XXXX store was very crowded. I had placed my phone on the glass display case for some time while I browsed over the new phones. 
3. I came home around XXXX XXXX  and did not use my card again. The last transaction was at XXXX XXXX..the XXXX phone bill. 
4. I started to pay my bills around XXXX when I noticed the unauthorized transaction to XXXX XXXX . 
5. I immediately locked my account. Then I called Chime to attempt to resolve this issue. 
6. I was routed through 4 different operators whom all spoke very broken XXXX. 
7. I asked if they could lock the unauthorized recievers account. Since the transaction was through Chimes " pay anyome '' peer to peer payment option, Chime has the advantage of having the account information of the person who received the unauthorized payment. They said they could not do that. So I asked them to send a notification to that account. They said they couldn't do that. I asked if they could alert the fraud department that there is a Chime account that is receiving stolen money. They said that wasn't possible. They did assure me that " they understand how I feel '' 5. Chime created a dispute bit told me that since it was a peer to peer payment, I shouldn't expect my money to be refunded to me.. '' Have a XXXX XXXXXXXX and XXXX XXXX XXXX 'XXXX 6. My account clearly shows that I have never used Pay Anyone. I asked if Chime could remove that feature or disable it from my account and they said they couldn't do that. 
7. I was able to submit a money request from the person who received the unauthorized transaction. I requested {$150.00} dollars from XXXX XXXX and was able to send a message with the request. The message was to repay my money and I notified him that I was reporting the transaction. 
8. I will be following up with a police report. 
9. There are no XXXX XXXX on my XXXX  or my XXXX XXXX so I have no associations with a person with that name.
Consumer complaint received 2024-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Good day, I'm kind of worried, I called credit acceptance today and it seems the phone is out of order, I need the gap insurance to pay off my vehicle. around XX/XX/year> my vehicle was shot up at a gas station, I was told that I still have to make my XXXX payment or the gap insurance won't pay off what my insurance did not cover, my vehicle has been totalled for about two weeks and I'm still being made to make payments, and now I can not get in touch with the gap insurance, I need my vehicle paid off, last week and now I can not get in touch with anyone this will destroy my credit please help
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NC)

On XX/XX/XXXX I received an email from discover which looked like spam asking me to sign form XXXX. I called Discover and was advised that I needed to complete this form by XX/XX/XXXX or my account would be closed for non compliance. I have had this Discover card since XXXX with no issues and have always made my payments on time and mostly have paid the card in full every month. I have never been asked for to sign this form with any other company. And I have an XXXX with a XXXX spend limit. I could see sending something for income verification at application or if I requested a credit line increase, but I have not done anything like that. This seems to be retaliation from Discover since I sued them last year for a fraudulent charge that they would not remove. I cant see how a company would be allowed to access my tax returns when there really isnt a need for them to do so. This seems extremely predatory and deceptive to ask for this after five years and only after we settled our case last year. Its also odd that from most of the reviews I have read online about this is that Discover is closing cards if there are discrepancys which I also find odd considering most people use household income and some households file separate returns if they arent married.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

I am submitting this CFPB complaint to request the removal of accounts from my credit file as an authorized user. The reported information associated with these accounts are no longer accurate or relevant. Upon reviewing my credit report, I have discovered that the aforementioned accounts continues to be reported, despite the outdated nature of the information. As an authorized user, it is crucial for me to ensure that my credit file accurately represents my current creditworthiness. Therefore, I kindly request your assistance in thoroughly investigating these matter and promptly removing the outdated accounts information from my credit file : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}. I have taken the time to review my credit report and gather supporting evidence that clearly demonstrates the inaccurate and irrelevant nature of the reported information. I have attached these supporting documents for your reference and evaluation.
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

{$970000.00} of Cashier checks were stolen after sending from my Wells Fargo XXXX account. Since I have submitted many requests to Wells Fargo many times to investigate their fraudulent clients that support the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has stolen all the cashier checks I have sent. Wells Fargo has decided to cancel my checking accounts and have stated that it is my responsibility to investigate their fraudulent clients. There is no evidence that Wells Fargo has investigated these fraudulent clients. Therefore, I am requesting an investigation and response from the CEO of Wells Fargo that they are not interested in investigating these stolen cashier checks. Wells Fqrgo must be responsible to return to me the {$970000.00} in stolen cashier checks by asking the XXXX cashiers to return the stolen checks. Attached is the list of cashier checks. Thank you. XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-06-09
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 (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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 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 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately 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 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (FL)

I opened a business and personal account with this bank. I have deposited over {$10000.00} thus far without issue. I have been in business over 2 years without issue and with a B rating on the XXXX  as well as a 4.9 out of 5.0 rating on XXXX. I have maintained a business with integrity and honesty. When I opened my account it was frozen for weeks due to a security risk from e-checks. I provided all documents to prove my customers are real, including signed contracts for each. I have included my {$75000.00} bond information as well as my registration with the department of Transportation and the federal motor carrier safety administration. The bank decided to freeze my account due to echeck and asked that I take ach payment. I agreed to do so and stopped all business while they set up my ach. They took several weeks, then told me to continue with echeck while I waited. They then said they would not allow me to take ach and I must stop taking echeck immediately. I gave the contact information for each customer including name email address and phone number for them to verify. I believe being a XXXX XXXX XXXX had been the main issue with me being blocked from operating. They claim because I have no business credit that they can not allow me to operate through their bank, yet Ive been over 2years in business even surviving the pandemic. I cant imagine how a XXXX XXXX XXXX would up credit to their satisfaction. They seem to have an issue with my particular XXXX  and I truly fee its because its XXXX XXXX. I would advise any XXXX XXXX XXXX of any race to avoid this bank. Ive wasted over a month doing everything they ask, and putting my XXXX  on hold only for them to make false excuses.
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

On Sunday XX/XX/XXXX morning I recieved an email from Venmo that my account has been frozen and that I need to verify my identity. I called venmo customer service to find out why was my account closed. I didn't do anything wrong. They were not able to tell me anything except to send a copy of my ID to verify myself. Well I did just that on XXXX  and recieved an email back stating that they were going to permanently close my account and keep my money for up to 180 days. I'm a single mother of 4 and ALL my money is on that card. I can't pay rent, car insurance or anything now. I called Venmo again and this time asked to speak to a supervisor. Speaking to him he was not much hel. He couldn't tell me anything except that the analyst specialist is the ones who do and work with the closing accounts and stuff. I nicely asked for a phone number so I can speak with someone there then. To which I was told they do not have a phone number that I would have to reply to the email and they will respond. I did just that and asked for them to explain to me why they closed my account. Then I was told that they could not tell me that do to privacy etc. But it's MY account. MY money. I've never had this problem with XXXX  like I do with venmo. And for them to keep MY money for up to 6 months is ridiculous.
Consumer complaint received 2023-06-30
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. (MO)

The original complaint was filed directly with Equifax and they responded with a letter dated XX/XX/XXXX explaining that the information was verified as accurate and that the XXXX account would remain on record for 7 years from the date of first delinquency. Equifax disregarded the supporting documents ( statements from XXXX ) that were provided along with the dispute that proved the actual date of first delinquency in XXXX of XXXX since the last payment was on XX/XX/XXXX. See attached statements. 

Both XXXX and XXXX agreed to remove the account due to age. Why should Equifax not do the same.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit file following a recent data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have the following accounts and inquiries removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/XXXX - {$27000.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$22000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$4200.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX