davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (GA)

After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. You must follow proper procedures if these claims are in your system and to be used in my credit reports! 

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

I have tried to dispute this debt as it is not mine as I have no knowledge of it nor did I authorize it and it was opened without my consent and fraudulently. I have requested it be removed 3-5 times to no avail and have also frozen my credit so nothing else like this would happen to me again.
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: Experian Information Solutions Inc. (IL)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A FCRA VIOLATION. I HAVE NOT HAD PROPER INVESTIGATION RESULTS AND I AM UPSET PLEASE REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY.
Consumer complaint received 2020-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}, {$31000.00}, {$13000.00}, {$7300.00}, {$28000.00}, {$180.00}, {$170.00}, {$700.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

7. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

XX/XX/XXXX i got a notification from paypal that my account is access is limited and told me to submit 3 things, National Id, Provide Proof of id address and provide information on account activity which i did provide. Since i have no National id yet because of another lockdown here in the PH because of covid, i provided my birth certificate, which also has my current adress in it. On XX/XX/XXXX i recieved another notification that my account is banned from paypal but i can still use it and they would email me. That's all i know for now
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I woke up to check my cell phone this morning around XXXX pst and noticed an email from paypal stating that XXXX ads had charged me for {$170.00} two times. I started to see what was going on, I checked my ads account and noticed 2 payments of {$170.00} had been authorized for some ads. I have TWO paypal accounts linked to my XXXX ads, one was my personal account, and the other was my business. The person seemed to have hacked my XXXX account and got access to my XXXX ads, they set up a bunch of ads to run today ( XX/XX/2021 ), luckily there were no additional charges that went through today. I had taken the steps to change all my passwords. I then proceeded to try an file a claim with paypal via both accounts immediately. They responded within a few hours stating I " authorized '' them to charge me. YES I DID AUTHORIZE XXXX ADS TO CHARGE ME FOR MY ADS, NOT A SCAMMER OR HACKER TO FRAUDULANTLY USE MY ACCOUNT FOR THEIR ADS. Today is XXXX XXXX and now I'm out {$350.00} total. 

I can provide both paypal account information if needed.
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (AL)

A money transfer for {$1000.00} from the US to XXXX was initiated via Xoom in XX/XX/XXXX. The transfer was not successful, Xoom admitted to this and agreed to refund the amount. The refund has not been made yet ( as of XX/XX/XXXX ). 

Detailed timeline : XX/XX/XXXX, XXXX XXXX  : transaction for {$1000.00} initiated ( US to XXXX XXXX XX/XX/XXXX, XXXX XXXX  : Xoom confirmed successful completion of transaction ( however, it was not successful ) XX/XX/XXXX : I provided bank statement details of both my bank accounts ( XXXX and US ) showing that the transfer never happened. Xoom responded by saying they will check with their banking partner in XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX : Xoom sent me an email saying that 'Xoom or our partner has encountered an unexpected problem ' processing this transaction, and they agreed to refund the money to my US account. 
XX/XX/XXXX : Xoom sent me an email saying the automatic refund failed and they need to send me a check, and asked for my mailing address which I provided. 
XX/XX/XXXX : Xoom sent an email saying they mailed out the check and that I should receive it in 10-15 daysXX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX: multiple calls to Xoom to check on the status of the refund, since I did not receive the check. 
XX/XX/XXXX : Xoom sent me an email asking if I received the check, I responded negative. 
XX/XX/XXXX - XXXX, XXXX : multiple calls to Xoom to check on the status of the refund, since I did not receive the check. Same answer each time : this case has been sent to XXXX and they are waiting for a response.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

All three credit reporting bureaus, Equifax, XXXX, and XXXX, list several incorrect variants on my name in my credit reports. In some cases, these variants conflate my name with my husband 's first name ; in others, letters are missing and spaces are inserted ; and in others, my first, middle and last names are out of order, or are misspelled.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing this complaint to inform the CFPB, Equifax and XXXX that I am a victim of identity theft. XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) Equifax and XXXX is in violation of 15 USC 1681b ( 2 ). I never given Equifax and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that Equifax and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. Equifax and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand Equifax and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by Equifax and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I used the lender XXXX XXXX XXXX  in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. XXXX XXXX took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX XXXX XXXX illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, XXXX, Equifax, and XXXX. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and XXXX XXXX. For every incorrect and inaccurate reporting. Under the laws of Arizona, UCC Article 6 47-9601-47-9628, most notable 47-9623 and 9625, and State RISA and MIVSA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of this.
Consumer complaint received 2020-07-18
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. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-09-15
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. (VA)

Hi, I am writing my concerns regarding the accounts I found in my credit report. They are not mine and I do not recognize them. My memory does not have these items at all, and I think I am victim of identity theft because its obvious if these accounts are not mine. 

I am talking about these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IN)

I have tried to solve this issue in the past through cfpb now that I've given up with Wells Fargo. They have been allowing overdrafts on my account and charging an overdraft fee which I am opted out of and was clarified that I was opted out of sometime earlier this year. On XX/XX/XXXX I had two charges to my account accompanied by overdraft fees after my complaints on this website on XX/XX/XXXX and " resolved '' on XX/XX/XXXX. 

I am opted out of overdrafts on my account, I am also subsequently opted out of the fees accompanied by them. Yet it continues to happen. My tax returns this year have gone into paying this bank for their improper use of their own system. The " excuse '' of them being a recurring payment and is allowed to be processed like and overdraft is unjust and XXXX be the reason that I excuse myself from using this institution any longer, seeing as how it is inconsistent from other institutions, including when I first made my account with them.
Consumer complaint received 2020-07-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Filed by : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Complaint Filed against : Lakeview Loan Servicing , LLC ( XXXX ) XXXX  XXXX of XXXX id # XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX FL XXXX Complaint Description : Lakeview Loan Servicing , LLC ( NMLS # XXXX ) Cashed cashiers check and after stop pay was placed, checks were lost. I replaced payment XX/XX/2020 Post office lost mortgage payment & escrow short, sent notification Of lost payment to XXXX by phone & email to. Lakeview Loan Servicing , LLC ( NMLS # XXXX XXXX XXXX Compliance Department Director ) XXXX@lakeviewloanservig.XXXX   XXXX XXXX ) XXXX ( direct ) ( XXXX ) XXXX ( fax ) Lakeview Loan Servicing LLC to reverse and back out those payment that had a stop pay by XXXX XXXX and refund those amounts of both cashiers checks. My house is currently under Refinance because they have caused so many problems not know what they are doing, I don't want nothing to do with them. They started buying my loan in bulk, not reviewing it to know that it showed {$950.00} and my mortgage payment to increase by almost {$100.00} per month. They had my loan 6 months before I knew about any shortage. I am a service connected veteran who is retired. I am on a fixed income and can not afford for this mortgage to make these kinds of errors. They shortage figure kept being incorrect, after 2 months and my payment being lost by the post office, they still never got the figures correct. This is the saddest operation that I have ever seen. I keep them involved regarding the entire process of when the post office lost my 2 payments. I gave them a signed affidavit from the bank the casheir 's checks were drawn on. They still cashed checks that had Stop Payments on them, even though I had replaced the mortgage check for XX/XX/2020. I don't expect my complaint to go away, I expect someone to take some type of action. This should have not occurred and gone this long.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : 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 2019-05-06
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. (FL)

XXXX XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM
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: Experian Information Solutions 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 2022-01-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IN)

When COVID went to pandemic status I applied for deferred payments. I spoke to phone agent and one of my first questions was does this add to the end of my loan. They responded yes. Now Im expected to pay over {$11000.00} dollars or foreclosure. Im an XXXX working through this pandemic and now in fear of losing my house. What do I do I dont have that kind of money.
Consumer complaint received 2022-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

This account was linked to my XXXX XXXX XXXX, XXXX CA. 
I called XXXX a while back and closed the account when I moved out of the home. 
XXXX had my wrong email address, which they admitted to and they failed to update my forwarding address. 

The collection company failed to send me notice of adverse reporting. I recently got new service with XXXX, who only then told me an additional account was in collection and gave me the collection companys number, I immediately tried calling the collection company who told me that they couldnt find my account in their system and that I had to wait a month. 

Unfortunately after that time the account was already reported to my credit report. And now the collection company states they wont remove the account from my credit report. 

This has destroyed my perfect credit score and Im unable to finance properties for my real estate business.