davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

In XX/XX/2020, my brother was meant to send me funds in the amount of {$160.00} for personal reasons. Upon making the transaction, the PayPal app glitched and the funds were sent to a woman with the same first name but with the last name of XXXX. He immediately filed a dispute with PayPal, he had no contact with his bank, and the funds were seemingly returned - he sent the funds to me after he received them. On XX/XX/XXXX, I received an email that advised I owed PayPal the - {$160.00} because my brother filed a dispute against me for the monies. Please note, I immediately called him to ask about the dispute ; he advised that he only filed the one dispute and doesn't even have a confirmation email to support the claim. We called PayPal together the same day and advised that it was an error on their end. The agent responded that my brother was the one who filed the claim and it was my responsibility to pay it. I requested a supervisor and we were later disconnected. On XX/XX/XXXX, I was called 4  times by PayPal who requested their payment. I advised that it was not my error for the dispute and requested a manager ; they also charged me an additional {$15.00} for not paying them ASAP. I was transferred to XXXX, XXXX XXXX, who was rude and inconsiderate in his responses and blamed my brother who filed the dispute - he advised he doesnt have the dispute nor the funds to reflect that it was received back into his account. We offered to send the bank statement as proof of missing money and he declined advising, that PayPal does not accept documentation, even for a dispute against them! I thought it was suspicious that they wouldn't accept proof that we did not receive the funds. After almost an hour of requesting a solution other than me paying ( like a formal dispute, investigation, etc ) I requested someone higher, and was denied one because it was against their P & P 's to do so. When I advised that the customer service was lacking, he promptly responded with " I'm not customer service, I am in collections '' As a trainer for a company, I understand there is an element of customer service within Collections and he was just snarky the whole time. I explained that I needed it to be corrected because it was their error for the dispute that was filed against me and I needed that money to pay for a roof over my head because I care for my grandparents and mother, who currently isnt working due to COVID  and XXXX XXXX. I don't have the money to pay them back and it wasnt my fault they filed on behalf on my brother.
Consumer complaint received 2021-04-12
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: WELLS FARGO & COMPANY (MD)

I purchased an airline ticket for {$710.00} for my partner but he could not travel because his covid test result never came out as it was later revealed that he had tested positive. I attempted to contact the airline XXXX XXXX but via phone and chat but to no avail so I ended up filing a dispute with Wells Fargo on XX/XX/2021. Wells Fargo gave me a temporary refund in XXXX and charged me back on XXXX XX/XX/2021 stating that my dispute was denied because the ticket was non-refundable and the passenger was a no show. I clearly explained that I tried to contact the company but there was no response, the representative at Wells Fargo advised me to ask the airline for a voucher but how can I even do that when I can not get them on the phone? I got billed for a ticket that was not used and I can not get a refund nor a voucher!! In these hard times, I can not be out of {$710.00}. Please help!
Consumer complaint received 2021-03-29
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. (NV)

There are 8 accounts and two Bankruptcies on my credit report that do not belong to me I have reached out to the bureaus regarding this but they are not helping me or pointing me to the right direction I have also opened an ftc for these accounts. 

XXXX - Acct # XXXX Amt {$1100.00} XXXX - Axxt # XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$16000.00} XXXX - Acct # XXXX XXXX {$2400.00} XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} - No Name Acct # XXXX Amt {$1000.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} Account Name : US BKPT CT XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I was supposed to get a credit for fees and interest to bring my account to a XXXX balance after the CFPB complaint I had to file after my XXXX billing issues and TERRIBLE customer service. Somehow there still was a small balance left, and now they've been charging fees on this leftover balance that I wasn't aware of because I had paid my purchase balance in full minus fees and interest back in XXXX. I have not made any charges on this card since then and now refuse to use ANY of my cards held by Comenity Bank after this XXXX XXXX card nightmare.
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (NY)

I have received correspondence from a company called Calvary SPV I, LLC.

Their correspondence claimed a debt that may have allegedly been owed using my name. This corporation then proceeded to file an alleged debt on my credit report without my consent. 

I asked XXXX XXXX to provide me with an original contract with my wet ink signature that has obligated me to pay any alleged debt. She has failed to provide any. 

There is no contract signed in my name that binds me to this Calvary SPV I, LLC corporation. This has led me to believe that Calvary SPV I, LLC and its agents may be operating in fraud.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I pulled my Equifax report on XX/XX/XXXX. I noticed there was a fraudulent inquiry on my Equifax credit report. The inquiry was on XX/XX/XXXX and the creditor/company was XX/XX/XXXX. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I have disputed this fraudulent 5 times and it came back deleted each time, however, it is still showing on my credit report. I attached my results from my XX/XX/XXXX results but I have provided all of the dispute numbers. I contacted Equifax on XX/XX/XXXX. First representative I spoke with I told them I need to speak to the Fraud department, instead of transferring me they questioned why do I need to talk to them. I finally got to someone in the fraud department and we never got passed verifying my information. The representative asked me my full name. I said XX/XX/XXXX XXXX XXXX. He asked for my date of birth and address. I provided him that information. Then he asked for my last name again and my middle name again. I asked him why do I need to restate that if I already provided that information. The representative transferred me to the survey line to give feedback on my call. So I did not get this issue taken care of. So not only was my issue not taken care of BUT I RECEIVED HORRIBLE CUSTOMER SERVICE!
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is showing in dispute nor is it removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2020-12-02
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-08-09
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. (PA)

NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2021-02-24
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)

On XXXX, and XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day 90 days later. I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored and not taken seriously. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report i has been 30 days so these items should be deleted. Ive been patient and Ive sent multiple letters giving them time to respond.I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. Also, my information was also impacted by the Eqifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

I made an international wire transfer with CHASE wire transfer to XXXX, the convertion was correct and they even charged me a fee, after the transfer was effective the school i was applying to informed me that they only received XXXX euros instead of the XXXX euros required. I then called Customer Service and spoke with XXXX, XXXX, XXXX and XXXX, THEY FAILED TO inform why this happenes i particularly asked if it was because of a fee from the recipient bank or if it was an error they were unable to respond to my questions. Lastly XXXX sent me online to inquiry about the transaction to get me out of the line. 

I submitted the inquiry and received no response, this is a clear show of lack of transparency when doing bussiness. I ended up submitting a new transaction with a new fee for more money to complete the XXXX euros the university was requiring as payment. 


I am demanding a response and if this is a fee from the recipient bank i need to know what is that fee to make my future payments.
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NM)

Radius Global Solutions filed a collection status on my credit report, in XX/XX/2022, for a debt with XXXX that was not incurred by myself, but was a debt that was a responsibility of my mother in law, XXXX XXXX XXXX, who was living with me at the time of her death. This debt was originally taken on by XXXX XXXX, but was discharged after I informed them of it's lack of validity. This debt was bulk bought, and has damaged my credit worthiness. It was a bulk acquisition evidentiary.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX is reporting on my credit report as a charge off, and that is inaccurate information. I did not get sued and I do not have a judgment on this debt. Californias statute of limitations on debt is 4 years, per the states Code of Civil Procedure 337. I want this account to be removed from all 3 credit bureaus.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

According to law if the bureau has incorrect information or not the original debt collector then they are violating my rights and it should be cleared. Please verify, my original contract with wet ink. 
Please send creditor information, itemized receipt and proof of ownership. Your bureau has 30 days to provide this to your address on file or they by law are required to delete the account
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/21 I noticed {$4000.00} was removed from my savings account. I called my bank Wells Fargo immediately to inform them of this and opened a fraud claim. Apparently someone had opened an account with the XXXX XXXXXXXX XXXX and had my money from Wells Fargo transferred to that account.They told me it would take 10 business days to investigate my claim. I called everyday to stay on top of this and to get additional information as to how this could have happened. Finally on the 11th day I called Wells Fargo as no one had contacted me, it was then that they informed me that my fraud claim was closed and denied. Claiming it was done by me through my device based on the IP address. Obviously my phone was hacked because i did not authorize or do this, nor does anyone have access to my accounts. It clearly states on google that that your IP address can be hacked and your device can be taken over. I am single parent and this was the money I was saving to fix my furnace, why would I transfer all the money i had to an account in XXXX and leave myself with nothing? I just do not know what to do at this point? Any assistance you can provide me would be greatly appreciated. Thank you!
Consumer complaint received 2021-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (PA)

On XX/XX/2021 I received an email from Unifin Inc. about a XXXX XXXX debt ( attached Unifin XXXX ). I have never had a XXXX XXXX account. I called Unifin and verified ( via providing personal information ) that they have the wrong person. I requested they not contact me about this further, since this is not my debt. The person on the phone said they would remove me from contact. 

On XX/XX/2021 I received a 'Second Notice ' from Unifin about this same debt ( attached Unifin 2.eml ). I sent a reply ( attached Re Unifin XXXX ) to the email address listed at the bottom of their email : XXXX I received no response. 

On XX/XX/2021 I received another 'Second Notice ' email from Unifin ( attached Unifin XXXX ). 

I have tried to stop this harassment by contacting them via phone and via email but they refuse to stop harassing me about a debt they know is not mine. I believe they are simply trying to make me pay another person 's debt via annoying emails.
Consumer complaint received 2021-08-07
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)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX, XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.
Consumer complaint received 2023-01-22
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. (IL)

Account : XXXX XXXX XXXX  Account # : XXXX Account : XXXX XXXX XXXXXXXX Account # : XXXX Has continuously violated my rights numerous times. The Fair Credit Reporting Act under U.S.C 15 1681 states the right to privacy U.S.C 16 1681 no consumer reporting agency can furnish any accounts without written instruction. No instruction was given in this matter. However I have requested these accounts be deleted and removed from my report. False information has been updated in an attempt to rectify these accounts and has hurt my financial stability and consumer transactions.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

I have attempted several times to have inaccurate information removed to no avail. Names on my report are still incorrect. Address are incorrect. Employers are incorrect. Debts have been paid or settled yet negative information is still reflecting on my report. This information needs to be removed immediately.
Consumer complaint received 2021-02-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX claims that I owe them {$170.00} for an account that they bought from XXXX XXXX. I have written to both XXXX XXXX, XXXX XXXX asking for more information and they have not been able to provide anything except an address that has never been mine, and my social security number. Of which I am alarmed on how they obtained my personal information. 
We then called XXXX XXXX to discuss the letter they sent me saying that they wanted so much personal and private information that I felt had nothing related to this as was an attempt to further scam me. In that conversation, they were extremely nasty, swearing and threatening me when I told them this is not my account and I do not owe the debt. I then wrote another letter attesting and certifying that the account was not mine and I do not owe them, thus I will not be paying for something I do not owe with a sworn Affidavit as I feel they are attempting to extort money from me. My family said to just pay it to make it go away, but I disagree, I have found that this company does not stop and continue to extort money from people. 
I have provided extensive documentation to both Equifax and XX/XX/XXXX to certify and attest that this is not my account and I do not owe. But they continue coming back saying that the creditor has verified the account is valid. Will of course they will and the credit bureaus will not listen to me as XXXX XXXX is paying them to post this bogus account on my credit reports and they ignore everything I provide.
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$880.00}, {$0.00}, {$1100.00}, {$1500.00}, {$900.00}, {$1600.00}, {$570.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account.