davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (FL)

I have asked nicely 2 times now for Experian to remove XXXX accounts that are not mine. They belong to another XXXX XXXX XXXX is COMPLETELY different. His is XXXX and mine is XXXX. Each time they come back account is reporting correctly. No it's not. It's reporting on his report and on mine as well. I am not a co signer or authorized user on either of these accounts. So, why cant Experian listen to me and do a request to verify using the social. Just using identifiers like my name which is common will not solve the problem with mixed files. 

I have sent all the documentation to XXXX XXXX. They sent back a letter saying they think " someone other than me or a company filed the report '' and they therefore didnt bother with my investigation. They were given a typed letter, my drivers license, social security card, and a utility bill. How much more do they need to do their job. Now another XXXX days has passed since they ignored my request. Attached is their letter.
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Dear PayPal Customer Support, I am writing this email to bring to your attention an issue I have recently faced with my account. I was shocked to find out that my account has been permanently banned without any prior notice or explanation. This has caused me a great deal of inconvenience as I used this account for all my online transactions. 

Upon further investigation, I realized that there was a wrong disclosure made by someone else who used my account. This was a mistake on their part and I am not responsible for any wrong actions taken. However, I have been banned permanently without the chance to explain the situation and rectify the mistake. 

I have been a loyal customer of PayPal for many years and this sudden ban has caused me immense harm and frustration. I would like to request your help in lifting the permanent ban on my account and restoring my access to my account so that I can continue to use PayPal for my transactions. 

I hope you will consider my request and take necessary actions to resolve this issue. I would appreciate your prompt response. 

Thank you for your time and attention. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is the fourth time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Trouble during payment process Wells Fargo Executive Office responded XX/XX/XXXX that {$16000.00} paid by a Federal Agency to Wells was entered and there was a transfer error not properly corrected before Wells dumped my loan to XXXX  - Wells had over 45 days from XX/XX/XXXX to XX/XX/XXXX correct this problem. 

Wells Fargo has failed to carry out the legal process upon receipt of Federal Funds and proper distribution to homeowner account. Wells showed utter contempt for homeowners gaining assistance from a Federal Agency to make this payment and borders on retaliatory conduct. Why was my loan dumped during a federal fund payment process transfer days after loan payment was made to Wells? Why has almost 55 days passed and NO CORRECTIVE action taken by Wells to notify XXXX? Is Wells attempting to keep the Federal Funds and not perform legal due diligence to pay FEDERAL FUNDS into the homeowner account? Question is WHY? Wells should be held accountable. 

Wells response letter dated XX/XX/XXXX - " stated check sent for XXXX -- Wells can confirm we didn't receive a check in the amount of {$17000.00} '' -Wells also stated information was not sent for a Modification - both statement border on deceptive practices and scams! Worked closely with Home Preservation XXXX @ XXXX that received all my documents not once but several times. ( see attachments ) This letter borders on Deceptive Practice and RETALIATION for seeking mortgage assistance. A FEDERAL Homeowner RIGHT! 

Wells has added more deleterious harms to the homeowner. For ex : Wells Fargo added {$3200.00} legal fees for FORECLOSURE ( never filed ) to the loan transfer to XXXX  -- not warranted ( see last statement from Wells XX/XX/XXXX ) NO LEGAL FEES existed. My home was NOT in Foreclosure!! - My complaint is that XXXX is moving fast ( within 30 days ) to foreclose on my home due to Wells Fargo deceptive practices and discriminatory retaliation. Wells Fargo should be held accountable after over 55 days for not transferring FEDERAL FUNDS to XXXX!!
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am on my 2nd time requesting bank of America to file a appeal on there decision to deny me my claim I filed on XXXX & XXXX ( filed dates of claims ) .that I received a letter from Bank of America that supposably i had {$4800.00} in my account from a servicing office that refunded my account so when i called the bank to request a debit card they said there's been 2 issues out already so I then ask them about this letter that I received saying I had credited returned funds in my account I was then told i only had XXXX XXXX on my account i said hows that if im receiving this letter saying i have funds so i filed a dispute fraud dispute a week and a half later got denied was told that a letter was sent out 10 days from complaint that i was denied never recieved any letter and then again today XXXX 14 days after still no letter called today and was told I was denied and once again a letter was sent out yesterday supposably to inform me that I've been denied so now with no 10 days and we'll credit a account upon investigation nothing nothing nothing... So I filed another complaint upon there decision and was told I can't be credited they have no documents upon why they made there decision to deny my fraud complaint and transaction complaint don't have them documents nor can distribute them that's for banks only to have or get witch is XXXX  so can I please get some help
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I contacted Equifax several times reguarding this. I have an open auto loan with a local lender. The account was a removed from my report incorrectly effecting the credit dramatically. It dropped my score by 60 points! Ive contacted the dealer who informed me that they are still reporting to equifax and that everything on there end is correct. They also informed me that they have tried to contact equifax them selfs to see what the problem is but were told because its not there credit file that they can not do anything about it.
Consumer complaint received 2023-01-30
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-01-30
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)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-30
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-01-27
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. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the Following items ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-27
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. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

I am enrolled in the XXXX XXXX and can not be charged for XXXX deductibles, coinsurance, and copayments. I received a bill from XXXX. I sent them my XXXX and XXXX cards. I was told that XXXX paid most of it and the leftover is my responsibility. I told them to bill the remainder to XXXX but they refused. XXXX even told me that I did not have to pay for this services since XXXX is a XXXX provider and must accept XXXX payment as the full payment for any XXXX services I received. I think I used XXXX twice. I'm not sure how many bills they have on file for me since I keep sending the bills back with a copy of my XXXX card. I finally received a bill from a collection agency.
Consumer complaint received 2023-01-27
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. (AR)

As much I appreciate the deletion of some of the disputed acccounts and information that resulted due to identity theft, I am disappointed to see that there are still items left on my Credit File. I am submitting this CFPB Complaint to request that you remove the remaining accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I was a victim of identity theft and the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Under the Fair Credit reporting Act section 605b, I an requesting the deletion of the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$4400.00}. If you found any documentation claiming that the disputed accounts belong to me, I will have to to ask you to send me copies of such documents. If you are unable to provide such documents, immediate deletion of the disputed accounts and information is to be expected.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

hello. i am writing to complain about XXXX XXXX i am a victim of identity theft. and my wallet was stolen where someone purchased air bnb rentals without my knowledge. ive tried disputing and merchant and bank of america say im responsible. i have filed a police report for my identity theft and will attach it here as well NARRATIVE the charges are for Air b & b charged 4 times separately and each or the charges are as follows XXXX XXXX for the amount of XXXX XXXX XXXX for the amount of XXXX XXXX XXXX for the amount of {$2100.00}
Consumer complaint received 2022-04-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Previously Ive been dealing with all three major credit Bureaus to resolve incorrect fraudulent accounts and information on my credit report they are not actually disputing theses accounts or information that I am reporting as fraud all they do is constantly reply back with account verified as accurate when I know its not Ive tried Updating my information with the credit Bureaus and it seems as in if they are updating my personal information for the creditors Ive been dealing with these problems for quite some time now and am getting no where them they are not even being reasonable and now they have blocked me from disputing any information on my reports as in if my my accuracy on my credit reports is invalid and my opinion or identity is not important Ive offered to do what ever legal steps I need to do to resolve this and still get the same results this is with XXXX, transunion and XXXX. Thank you in advance for your help and assistance.
Consumer complaint received 2020-12-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

There are 3 credit reporting bureaus, for the past 25 years my FICO rating has always been above XXXX. A few years ago I noticed that Experian kept lowering my score from around XXXX to just below XXXX changing my credit score from excellent to very good. 
Well it didn't take long to figure out that since Experian started their own credit reporting tool that was a service that promised to increase one 's credit score and that I don't belong to, that my FICO score started vacillating from just under XXXX while the other two credit reporting agencies have kept my FICO score constant for the past 25 years while every month or two Experian keeps bouncing my FICO score to just below XXXX for no reason what's so ever. If you look into my credit history you will see I have never paid a bill late, never had a negative item in my entire credit history, but if I agree to join their credit reporting program then all of a sudden my credit score will jump up past XXXX ( excellent credit score ). It is obvious that Experian is trying to take advantage of the public by arbitrarily lowering people 's FICO score for no reason at all, more to the contrary, they are penalizing people who have good FICO scores unless they join the Experian Credit Reporting Program, which is just out and out credit score manipulation which needs to come to an end. I am writing to you in the hopes that you will make them aware of this and that they need to change their policy, which seems highly illegal. 
Of course barring no action from your agency I will be forced to sue them in a class action lawsuit for illegal business practices. I await your reply and thank you.