davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
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: Utah System of Higher Education (MA)

I'm disappointed to see late payments on my credit payment history with XXXX, I tried to reach out to them but no reply ... The thing is I don't remember being late on paying my obligations, or else I did not receive the bill for me to pay on time. I appreciate you help with this. Thank you.
Consumer complaint received 2020-05-21
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)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$160.00} XXXX/XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$7400.00}
Consumer complaint received 2023-02-23
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. (MI)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

The accounts are listed below. 
DEPT OF ED / XXXX - {$5900.00} DEPT OF ED / XXXX {$3300.00} DEPT OF ED / XXXX {$2800.00} DEPT OF ED / XXXX - {$2700.00} DEPT OF ED / XXXX - {$2500.00} DEPT OF ED / XXXX - {$2300.00} DEPT OF ED / XXXX - {$1400.00} US DEPT OF EDUCATION XXXX {$910.00}
Consumer complaint received 2020-10-21
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. (IN)

There are multiple hard inquiries on my credit that are not mine from someone using my ID information to shop for cars online at least three times a day if not more sometimes with the same car lot or loan companies I asked the credit bureau I disputed though and they keep telling me I have to wait two years to get it cleared
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO Bank, N.A. (IL)

I XXXX XXXX XXXX do have a hard inquiry on my credit from XXXX of bmo harris bank thait is fraud that I did NOT authorize by any manner. I have talked to the bank on 3 occasions and they have not removed it. I do not and have never had acct with this company by any means. this is a fraud attempt that they refuse to contact the credit reporting agency to have it removed. XXXX XXXX will not remove without bmo harris bank stating to remove the inquiry dated XX/XX/2019.
Consumer complaint received 2020-05-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

XX/XX/20 & XX/XX/20 I called Sun West Mortgage company and spoke to a representative and then to a supervisor regarding the CARES Act forbearance. I am up to date with all of my payments at this time but will have difficulty making payments for XXXX and the next few months as my husband is not working. I asked for the forbearance to start on XX/XX/20 for 180 days. According to both the representative and the supervisor the forbearance starts on XXXX. I called FHA on XX/XX/20 ( reference # XXXX ) and spoke with an FHA employee who also reviewed the info with me and stated I had a clear understanding of the information and I was correct that the forbearance does not need to be retroactive or pushed back if I had made the payments. The Sun West mortgage representatives kept telling me that no matter if I made my payments in XXXX XXXX XXXX, I still have to have the forbearance start on XX/XX/20. This does not make sense to me as I have already made those payments and its the future payments that I am concerned about. How is this helpful as a consumer to have a forbearance start on a date when I was ok financially to make my mortgage payments. I have not heard back from FHA regarding this case other than the initial email I received from the rep when I called on XX/XX/20. Please contact me as this is a not how the CARES Act is supposed to work.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, OH XXXX has reported a hard inquiry on my credit report. I do not know this company, have never applied for an account, nor have ever done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (AR)

By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The Account : XXXX XXXX XXXX with a Balance : {$5000.00} ; is showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, has violated my rights I have a right to privacy these debts should not be on my private report according to 15 U.S.C section 602 A. States I have the right to privacy I did not give consent according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions No other adverse items of information should be on my report other than records of convictions of crimes according to 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian shows an incorrect date of birth on my credit report. I don't where or who made this error. When brought to Experian 's attention they could only give me your agency and phone as to the agency to help me. I've included a copy of my Driver 's License which shows my correct date of birth. Thank you for your help. 
XXXX XXXX
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

Hi I am having an unbelievable problem with paypal.com right now, I have a small business and I build and sell computer servers so I sold a bunch of goods to a good client of mine on XX/XX/XXXX and the transaction amount was {$34000.00} initially i did not want to use paypal because I dont like them but this client had to pay me with paypal so I said it is ok I have an old paypal account with no problems with it. So they sent me the money and right away confimred the purchase on paypal so paypal releases my money to me and they only released {$24000.00} and kept {$10000.00} in a reserve which I have never heard of reserves before I have heard of regular holds but not reserves. So i called paypal a few times and no one can give me an answer to when my money will be released like I said I have a small business and that is alot of money to be held. a month passed and I was getting angry so I messaged and called until i got an answer, one of their workers told me my account is put in a up-front reserve which means they will hold my money for the lifelong of the account and it is not scheduled to be released! This makes zero sense to me that is basically stealing I have called them many times and escalated this issue but it gets nowhere I am waiting for them to get back to me but I am tired of waiting I need this money for bills they keep telling me this is done for chargebacks but chargebacks don't take forever usually companies like paypal will hold the money for 2-4 weeks and once they see everything is good they release the money, on top of all that my client who received the goods from me already confirmed the purchase and told paypal it is all good! 

I am asking you guys to help me someone recommended you to me and told me you can help, also I am not the only one they have done this to I have talked to so many people but they told me they got a lawyer and got their money back, but I can not afford a lawyer right now and makes no sense that I have to pay to get my own money back! 

I have attached a picture of them holding my money with no schedule release if you guys need more info please contact me
Consumer complaint received 2023-02-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (GA)

I purchased various gifts from XXXX using Affirm financing to the amount of XXXX. The purchase included two bicycles ; however, both were missing parts so they were returned to XXXX. XXXX processed two returns one in the amount of XXXX and another in the amount of XXXX on XX/XX/XXXX. Both were refunded back to Affirm, however, the second refund was not processed. After four follow ups on the Affirm is stating they can not apply the refund to the loan even though they have received the funds back from XXXX.
Consumer complaint received 2022-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NY)

i used zip code XXXX to applied checking account online on website XXXX XXXX XXXX and it shows the {$250.00} promotion is available in your area, after i signed up complete the requirement for the {$250.00} bonus, they keep telling me my region was not included in this offer.i don't accept this reason, that website was show zip code XXXX available for the promotion, i have right to get this {$250.00} bonus.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (AZ)

Invalid debt, but kept threatening to hit my credit if I didn't pay, I paid them and they reassured it wouldn't hurt my credit or impact would be minimal. Completely destroyed an 800+ credit score down to XXXX and is causing an undue burden on my growing family as we are now unable to buy a home. 

I have 15 years of absolutely perfect credit history and this one inaccurate and misleading blemish is detrimental. 

Please help in removing this from my credit history ASAP. 

Thanks, XXXX
Consumer complaint received 2022-02-15
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. (CA)

The cashier at XXXX XXXX coerced me into opening a new store credit card with them when I already have one open. The account that I didn't know exist is the one I'm having trouble with. I am an XXXX woman with XXXX and I felt taken advantage up to help their credit card quotas on opening new cards. I would not want to open a second credit card with them whatsoever and after I realized it by checking my credit card, I tried to resolve it with them with no avail. I feel this is abusive to my XXXX status as well as my XXXX capacity and I wish to have the account removed, along with the lates.
Consumer complaint received 2020-05-21
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)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measure afterwards. I just got a duplicate drivers license and a copy of my social security card. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. These accounts are not mine, please remove them.
Consumer complaint received 2020-05-21
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

In XX/XX/2020 a company in which I am a 50 % owner, XXXX XXXX XXXX, borrowed funds under three separate mortgages from XXXX XXXX XXXX to purchase properties at XXXX, XXXX and XXXX XXXX XXXX XXXX  in XXXX XXXX, Colorado. Subsequently we were advised that you had taken over these mortgages. 

In XXXX I noticed that these loans appeared on my personal credit report, even though the loans are in the name of XXXX XXXX XXXX and title to the properties is in the name of XXXX XXXX XXXX. I called and spoke with a gentleman who said he would get it taken care of. Two of these loans appear on my XXXX  and XXXX  report, and three of them on my XXXX  report. I have spoken to the company several times and sent a letter explaining the situation but the company is not fixing the problem.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I have a prepaid card with American Express BlueBird. On XX/XX/XXXX I made a payment to my XXXX XXXX credit card from this card in the amount of {$50.00}. Before the payment went through, we found out our XXXX XXXX card was compromised so we had to cancel the card and were assigned a new credit card number for that account. Because of this, that {$50.00} payment I made from my Bluebird American Express card never went through but was still deducted from my account, and is just in limbo now for almost a month. I've attempted to contact Bluebird American Express multiple times with no resolution. I asked them to cancel that payment and return those funds to my account but they said they can't cancel it. I also asked if I could then give them the new credit card number for where those funds were supposed to go but they said they can't update that either. Now, because they are giving me no options to get my payments to go through to make payments on that credit card, I will be accruing late fees on that account. They finally " filed a dispute '' but said this could take some time. So now my hands are tied, they won't return the funds to me AND they won't give me any option to set up a new bill pay to make payments I need to on that account.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX accordance with the Fair Credit Reporting act XXXX  Act, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXccount # 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 2022-02-14
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. (TX)

I filed a dispute with XXXX on XX/XX/2021 on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from XXXX. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. 

disputed accounts XXXX  XXXX XXXX  Opened XXXX {$560.00} XXXX XXXX XXXX Opened XXXX {$3200.00}
Consumer complaint received 2021-12-07
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-06-25
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: ACIMA CREDIT, LLC (NJ)

I received my bill from XXXX  and notice my credit score had drop by XXXX points, so I called XXXX and they told that, I have a charge off on my credit report. I explained to them that this was not my account and disputed with them twice and they come back to me with the same results. The information that the company reported is accurate and the item will not change as a result. I also called the company ( Acima Digital FKA Simple ) and spoke to them about this. However, they wanted my information so they could pulled up the account. I only gave them my name because if I would have gave any of my information they would have attached to the account. They told me that leased some stuff from them and gave my the address in which I never lived. The address is XXXX XXXX XXXX, XXXX NY XXXX. I've never lived in New York and never heard of this company, as I explain this to XXXX who has all my important information and told me I need some kind of paper work to prove that this is not my account. How can I have any paper work from a company I never did business with or never heard of.
Consumer complaint received 2019-11-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (TX)

I used XOOM, a money transfer service that is a division of XXXX. When I transferred some money to a family I was trying to help in XXXX they said the transaction was fine, and gave me a transaction number : XXXX. Then when the poor family went to collect to try and buy some groceries Xoom cancelled the transfer. When I e-mailed them they did not respond to it other than a generic robot reply. When I called them they blamed the bank in XXXX without giving any reason and they said they would send me an e-mail with a full explanation. They never sent an explanation. 

P.S. 
CFPB expects the " other person 's '' info as a " required field '' but does not take into consideration that the " other person '' in cases of international money transfers live in other countries. Please fix those data fields.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Affirm Holdings, Inc (TX)

XXXX XXXX XXXX XXXX : XX/XX/XXXX. {$330.00} in credit card payments. i have reported it to XXXX XXXX XXXX XXXX multiple times, but they have not removed the payments. 

Affirm Inc : XX/XX/XXXX. {$550.00} in fraudulent charges. I reported this to Affirm, but they didn't remove the charges. 

Affirm Inc : XX/XX/XXXX : {$850.00} in fraudulent charges. I reported this to Affirm, but they didn't remove the charges. 

Affirm Inc : XX/XX/XXXX : {$2600.00} in fraudulent charges. I reported this to Affirm, but they didn't remove the charges.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

XXXX AND Equifax are both reporting completely different filing dates, closing dates and court names for XXXX XXXX bankruptcy on my credit report. I have called to both of these companies to report this issue, but it has not been successful. They told me that the information was accurate and the information came from the courts, which I know my rights and know thats a lie. The courts DO NOT report or confirm these public records with the credit bureaus. I have asked for this public record to be removed from both bureaus due to the inaccuracies, but it has not yet been removed. These are inaccurate, in addition to, damaging my credit score further. These are the inaccuracies as follows : Filing date : XXXX XX/XX/XXXX Equifax- XX/XX/XXXX Closing date XXXX XXXX XX/XX/XXXX Equifax- Court name XXXX XXXX- US BKPT CT XXXX XXXX Equifax- FEDERAL 15 usc 1681n Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I would love to see this issue resolved immediately please and thank you so very much.
Consumer complaint received 2019-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

COINBASE transfer to a FRAUD SCAM Brokers : XXXX, and, XXXX XXXX. 

I would like to bring your attention to a serious issue I have with COINBASE wires that first took place on the XXXX of XX/XX/XXXX. 

I have been victimized by a multi-layered scam operation orchestrated by XXXX, and, XXXX XXXX - the Company. 

The funds were transferred utilizing COINBASE 's services in the total amount of XXXX EUR! 

I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with COINBASE.