davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
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. (VA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent to Equifax proof of my identity like social security card and drivers license proving what my name is. I'm still getting correspondences and they are reporting the incorrect name. 

Wrong name : XXXX XXXX XXXX XXXX name : XXXX XXXX
Consumer complaint received 2020-05-13
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: CITIZENS FINANCIAL GROUP, INC. (OH)

I had this account is outside of the statute of limitations under the fair debt collections practices act and i wanted this account deleted from my XXXX  credit report due to very harmful negligence by XXXX XXXX  XXXX. I once had a checking account with them in which the banking officer XXXX XXXX had setup the secured loans payment to come directly out of my checking account for for some strange reasons in the banking system it did not take the money out of the account by which my direct deposited of social security for the XXXX would have taken care of the secured loan that i had with them in order to establish payment history. I have had terrible service with them on this issue and resolving this issue with them. I was told that their systems did not recognize my account by which the payments was to come from and it was not their fault the banker assured me of the payment and in the ledger the four month was called a system error by the electronics funds transfers act the bank blamed it on me fir their negligence. I removed my funds from their bank and i had to suffer with this derogatory 4 so called missed payments because their systems XXXX up and when i called them to speak to XXXX XXXX the branch manager they did not even consult her because she did not work there anymore. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2013 Account type Secured Loan Balance Loan Amount {$0.00}
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (FL)

Earlier before today, l had told American Express that because of the COVID-19 emergency disaster and declaration on-going that l will not be able to commit to pay them any money unless l have it. The declaration also calls for non-collection, non late payment reporting to the credit bureaus and for creditors to follow " Fair Credit Reporting '' this time around. l hope this my assumptions are correct because as a business and a person, that is all l heard. 

But today, unfortunately it just came to my attention my credit file contained a collection account from a third party business called XXXX on behalf of American Express. In the conversation, it sounded like American Express deceived this collection agency and gave them my business account balance and told them it was my personal credit card account when indeed l never had or had long ceased to have a personal credit card with American Express. Talking to one Mr. XXXX, he imposed on me that the account in question is my personal credit that l owed American Express. His lies are so bare that he jumped from talking to me to wanting to talk to my nephew XXXX who lives in XXXX and XXXX XXXX, my XXXX  who lives in Indiana. 

Initially l thought l was dealing with a legitimate company but when the callers started mentioning XXXX and XXXX, l knew it was a desperate an intimidation strategy. Mr. XXXX if residing in the US, needs to be deported back to his country of emigration or be put in jail for saying he was calling me about my personal credit account with American Express and still wants to talk to the two individuals l mentioned. My also also has told me they called here cell phone looking for me and both XXXX and XXXX. Anyone in this country with an ounce of sense should understand the meaning of privacy. For how can you try to reach anyone for my personal account. 

l did quickly realize that l was talking to a buffoon when he raised his voice and kept threatening me withe balance which l did not originate as a personal account. This complain is made against American Express and XXXX XXXX agency. What a thuggery of an outfit?
Consumer complaint received 2020-05-13
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. (MD)

I have a charge off on my credit report for XXXX XXXX XXXX  with a balance of {$8600.00}. I don't believe this is my account and have no knowledge of it.
Consumer complaint received 2020-05-13
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. (GA)

This complaint comes forth as I am a victim of Identity Theft, despite my efforts to dispute the fraudulent accounts and send in all supporting documents. XXXX would not respond to my efforts, the accounts that are fraudulent are as follows : XXXX XXXX - XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-05-13
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)

Some accounts were brought to my attention when I got my credit ran to see if I pre-qualified for an auto loan ; The accounts are from these companies XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and US BKPT CT CA XXXX. None of these accounts belongs to me and I am not affiliated to any of these companies in any way. I did not allow anyone else to open these accounts in my name and I did not benefit anything from these accounts nor did I contribute to any payments made ; I do not have any written/verbal contract with any of these companies and I never gave them permission to access my credit information. I have filed already filed a police report regarding these accounts.
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-06-12
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. (AR)

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : Public Record from a XXXX XXXX XXXX on XX/XX/XXXX. 
I previously disputed this public record and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this public record immediately.
Consumer complaint received 2022-04-03
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. (TX)

Since XX/XX/2021 when XXXX XXXX  acquired all of XXXX XXXX 's customer accounts in the United States, they have not made any effort to check with XXXX XXXX  that the billing entities are receiving payments on a monthly basis in a timely manner and are now removing some of the accounts that determine our FICO score and lowering our credit rating. We have tried to contact their customer service department on numerous occasions to get them to correct the issue to no avail. 

Yesterday I received notice via email they are removing another billing account ( XXXX XXXX ) from their records as they can not ascertain the account is being paid monthly through our old XXXX account, which is no longer a valid checking account. Said account has been active and paid in a timely manner for the entire XXXX years we have lived at our current address yet they keep sending emails payments on the accounts are not being reported. The reason they are not being reported is Experian is making no efforts to contact XXXX XXXX. 

*************************************************************************************************** Experian www.experian.com, hmm, it's been a couple months since a payment was reported... 
XXXX Experian Alerts XXXX To : Sat, XX/XX/2021 at XXXX PM Experian Membership ID # Member Sign In Hmm, we still haven't seen payment history reported Looks like a payment hasn't been reported in the last two months for your account ( s ) linked to Experian Boost. After several months of payments not being reported, your account ( s ) could be removed from your Experian credit file. 

Note : It's possible that you've made a payment to this account and Experian hasn't received your payment record yet. You can sign in to see more information. 
See account details *************************************************************************************************** Experian www.experian.com, your bill was deleted from Experian XXXX... 
XXXX Experian Alerts XXXX To : Sat, XXXX XXXX at XXXX PM Experian Membership ID # Member Sign In Heads up, your bill was deleted from Experian XXXX. 
That means it was also removed from your Experian credit file, which could lower your FICO Scorebut dont worry. Weve laid out the simple steps to take to keep your boost. 
See what to do ************************************************************************************************* It is impossible to report the problem to Experian Boost using their " See what to do '' instructions and we have never been able to get through to one of their customer support agents via telephone.
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

I filed a CFPB complaint. YOU closed it when PayPal lied by omission. PayPal continues to harass me. PayPal has blocked my online access and I can not pay my PayPal branded XXXX Bank credit card. 

Nothing in my profile has changed. My phone numbers have not changed. To access my account, PayPal is forcing me to enter a new phone number and PayPal will not accept my working landline number. I have XXXX phone. I do not use cell phones. I can not login to PayPal to access a hyperlink to XXXX XXXX 

PayPal is actively interfering with my ability to conduct business with a third party. 

PayPal continues to refuse to answer the original question. Through a process that PayPal designed and controls, PayPal gave me {$1500.00} without any terms, the only requirement being repayment. I continue to demand to know the payment terms. I will accept published tariffs only. 

There is a giant hole in the internet and you can pull thousands of dollars out of it and it does not seem to be a crime. PayPal made it. 

I demand immediate access to my PayPal branded XXXX XXXX credit account.
Consumer complaint received 2022-04-03
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: DHI Mortgage Company (FL)

I applied for mortgage loan ( XXXX XXXX ) and I consent for my credit to be run only once. But I check my credit report and the company ran my credit four times on different dates, which I did not consent to and did not receive any notice.
Consumer complaint received 2020-05-13
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. (GA)

I have sent all required information into all 3 credit reporting agencies ... .XXXX  is the only bureau that followed Section 605B of the FCRA  ... ... XXXX IS STILL REPORTING 2 FRAUDULENT ACCOUNTS : XXXX, XXXX # XXXX {$2300.00} XXXX XXXX ( XXXX ) # XXXX {$840.00} AND 2 INQUIRIES : XXXX/XXXX  XX/XX/2019 AND XXXX XXXX  XX/XX/2019 TRANSUNION CONTINUES TO REPORT 1 FRAUDLENT ACCOUNT : XXXX XXXX  ( XXXX  ) # XXXX {$2300.00} notice how 2 of the accounts have the same account number but different creditor names ... .these accounts are fraudulent ... ..I will attach the original ID THEFT AFFIDAVIT that was submitted and the 3 report comparison and you can see the major discrepancies ....
Consumer complaint received 2020-05-13
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)

Some accounts were brought to my attention when I got my credit ran to see if I pre-qualified for an auto loan ; The accounts are from these companies XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and US BKPT CT CA XXXX. None of these accounts belongs to me and I am not affiliated to any of these companies in any way. I did not allow anyone else to open these accounts in my name and I did not benefit anything from these accounts nor did I contribute to any payments made ; I do not have any written/verbal contract with any of these companies and I never gave them permission to access my credit information. I have filed already filed a police report regarding these accounts.
Consumer complaint received 2022-06-11
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

1

5 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

In early XXXX I applied for a new XXXX XXXX for XXXX XXXX that was to open in XXXX. A month later, XX/XX/XXXX I get a letter in the mail mind you that says I was denied because my Experian report is in FREEZE and I would have to remove it and wait 30 days to reapply. I understand the difference between at lock and a freeze. I have my credit reports LOCKED because of the data hack at one of the agencies a few years back. I waited the 30 days and then contacted the XXXX XXXX and tried to explain that I can unlock it anytime and all you have to do is notify me by phone or text, which they have, and then after your done I will relock the next day. It was like talking to a brick wall. After speaking with 3 people and supervisory they still made me reapply even tho they had my initial application with my phone number on it. So, I missed using it at XXXX grand opening at which their district manager gave me a gift card for the hassle ( so XXXX know about this ). I got the card in early XXXX. I reached out to Experian by email and explained to them, who you would think would know better, that they told XXXX I was in a freeze but I was not. They did respond with a soft apology but I am not sure if they learned anything. I am asking you, CFPB to study this some and make rules that direct the credit agencies and the banks that issue credit cards etc. that they need to understand Lock and Freeze and if a persons reports a locked, that they MUST contact them by text or phone and ask for the report to be opened for their viewing. This problem is not the fault of we consumers and the banks and credit agencies need to do a better job at servicing we citizens.
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB (TX)

On XX/XX/2020 I purchased a mattress and box springs set through XXXX XXXX XXXX. I financed my purchase through Klarna/XXXX XXXX. I was promised - which I have photographs of - an APR of 9.99 % for 2 years which was a promotional rate specific for XXXX customers and a XXXX $ monthly payment. I received my first bill and they changed the APR to 0 interest if paid by XX/XX/2020 and a 19.99 % APR if the balance was not paid in full by then. I have contacted customer service via email and phone. I was told send in the photos I took of the promotion I was offered - and I did - but I have not received a response and my account has not been updated.
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

I recently filed a complaint, number XXXX, against XXXX XXXX  regarding the return of funds that XXXX XXXX was holding after diverting money from a fraudulent account that I had wired {$23000.00} to. The transaction was stopped by XXXX XXXX  because they saw the funds were going into a fraudulent account. They want to give the money back but Wells Fargo Bank, my bank, the account that the funds came from, won't cooperate with the process that XXXX XXXX  wants to use. XXXX XXXX wants a Hold Harmless Letter from Wells Fargo to release the funds but Wells Fargo doesn't recognize a Hold Harmless Letter and offers no alternative to resolve the situation. XXXX XXXX  wants me to have the money, but Wells Fargo has made it impossible. XXXX XXXX  has closed their case because they have run out of options to come to a resolution. Wells Fargo won't work with them to return my {$23000.00}.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

Hello, There is a return fee charge of {$29.00} on my Barclay Credit Card account that I requested a refund for. This fee was assessed due to an erroneous return payment of {$210.00} issued by Barclay Credit Card. I've reached out to Barclay via phone on XX/XX/2020 at XXXX XXXX  and spoke with XXXX ID # XXXX, reference # XXXX. I spent one hour and 20 minutes explaining to XXXX the problem. We even had a conference call with the bank from which the payment was drafted and credited from. The bank confirmed that there were enough funds in the account to cover the payment and there were no stop payments or holds on the account. There was no reason that this payment should have been returned and no reason for a {$29.00} return fee charge to be assessed on my account. I am entitled to a credit however, XXXX refused to accept these facts and would not issue my credit. 

I then emailed the company to request that this matter be resolved and that this issue with their employee XXXX be reported to his supervisor XXXX ID # XXXX.