davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (CA)

On XX/XX/XXXX. I authorized XXXX to debit my for a ride that cost {$38.00}. This is the only charge I aithorized. XXXX proceeded to debit my account with my knowledge authorization or consent for {$800.00} and {$10.00} without my permission. I reported this unauthorized activity immediately to my financial institution XXXX XXXX XXXX, XXXX, of current  whichever name they operate under a dispute was filed and decision made that I was responsible for the unauthorized activity when visas zero liability for unauthorized charges policy covers me in events such as this with unauthorized activity. Prior to XXXX XXXX I had never had this company debit my account in any amount. Ive tried to resolve with XXXX and current bank and have been told day after day that someone would respond to my concern within 24 hrs and I have yet to receive a single reply from XXXX  or current bank via email or any other mode of communication since XX/XX/2021. Ive spoken to numerous reps via chat for both companies with XXXX  not replying and the current  bank reps i last spoke with insinuating that I was lying threatening me that they would request the video footage from XXXX. I never denied taking a XXXX  ride but it was only for XXXX not the {$810.00} XXXX  charged my account with any consent or authorization to charge my account in that amount and never presenting these charges to me. I have no idea why they charged me half of my rent money for a ride that was only supposed to be {$38.00}. I want my {$810.00} dollars back that this XXXX dollar company stole from my account. XXXX is not the IRS THEY CANT TAKE MONEY FROM PEOPLES ACCOUNT WHENEVER THEY FEEL LIKE IT WITH ANY CONSENT OR AUTHORIZATION TO DO SO. I REQUESTED THE DOCUMENTS CURRENT BANK USED TO REACH THE DECISION THAT IM SOMEHOW RESPONSIBLE FOR THE UNAUTHORIZED CHARGES TO MY ACCOUNT AND I HAVENT RECEIVED ANY DOCUMENTS OR RESPONSE FROM THEM YET. Keep telling me someone from the disputes department will respond to me via email and no one ever does. Im facing eviction with a 3 day notice from my landlord because half of my rent money was stolen from my account by XXXX  and my CURRENT BANK THINK IM RESPONSIBLE I NEVER SHARED MY CARD INFO OR BANK ACCOUNT INFO WITH XXXX  TO TAKE {$810.00} from my account when I only authorized 1 transaction using my wallet app on the XXXX and that transactions was only {$38.00} and not the {$810.00} that was stolen from my account
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I demand that the inquiries is removed from my report. I did not authorise this inquiries. I have not heard anything from the credit bureaus about these inquiries. I demand that it is removed from my credit report.
Consumer complaint received 2021-08-11
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. (FL)

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and Experian, XXXX, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (WV)

XX/XX/2021 went to XXXX to load money on the Amereican Express bluebird prepaid card. It was declined 3 times, Called customer service at Bluebird I needed to verify my address,, My mailing address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX wv. I live in a rural area and we donot recieve mail at our house. all mail and parcels go to the post office, I explaned this three times to customer service, They verified the address. Then said to try and load the card again. 

XX/XX/2021 when into XXXX again to load money on the card and it was again declined. 

called customer service again. The first time I was hung up on by the supervisor after I had explaned the same situtation about living in a rural area with no mail delivery.And every peice mail is delivery to the Post Office.

the second time I called back after being hung up on I requested that my account be closed and my funds be overnighted to me, I was told that it would take up to 10 business days and that USPS would be used to send my check. 

My cards hve been suspened and BlueBird is holding MY money as hostage because I live in a rural area with no mail delivery, I want my accounts closed ( I have two ) and my money overnighted immediately. It is my money and I should not have to wait wait while American Express is making money on holding my funds.
Consumer complaint received 2021-08-11
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. (IL)

I have been getting creditors calling my cell phone for someone I have never met. After researching his name and my phone number, I found several websites posting it as his contact number. I called one such site, who informed me the source was Experians records. Apparently one or more of his creditors has my cell number listed as being his. I am willing to believe this is a typo or mixed file, as opposed to deliberate fraud, but it still needs to be corrected. 

I wrote a letter to Experian, explaining the inaccuracy in their records, and asking that they remove any occurrences of my phone number on this strangers credit report. The letter I received in reply did not address my issue properly, as it 1 ) stated that number is not on my credit report, and 2 ) instructed me to contact the creditor directly. The problems with their reply are 1 ) the error is not on my credit report, but this other persons report, and 2 ) since I can not view the full credit report of a stranger, I have no way of knowing the creditors identity. XXXX Report # XXXX, dated XX/XX/21. ) I tried calling to address this, but was flatly informed that they could not alter another persons credit report. I asked her to transfer me to someone who could correct their faulty records, and she insisted no one could help me with this. I demanded a supervisor, and she took my info. to have one call me back. That was 10 hours ago, still waiting on their call. 

I am not asking to see this persons credit report, nor am I asking the name of their creditor. I am simply asking someone at Experian open that file and remove my personal information from this other persons report. Complete strangers are calling my cell phone, looking for this other person, solely because Experian has this inaccuracy in their records, and this company seems content to leave the error in place, even after being informed of the error. For the record, I called them from the phone number in question, so it is definitely mine, not his.
Consumer complaint received 2021-08-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c- 1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 


3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Name : XXXX XXXX XXXX XXXX Date of Birthday : XX/XX/XXXX SSN : XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd ()

Subject : Very disappointing and Unfair Transection this time I am a regular monthly client of Wise I been using this Apps 4 months previous 3 months was good but now this month Wise show and deduct from me more than sanded to me. 
Here are the details with payments documents : I have sanded XXXX ) XXXX USD = XXXX XXXX XXXX I should get this amount ) which clearly show on transection but I received this XXXX XXXX XXXX less than I should receive ) 2 ) Service fee Wise show on transection : XXXX USD I should pay this amount but they deduct double = XXXX USD This is totally cheating and unfair Membership Number : XXXX Transaction Number # XXXX I am expecting a clear solution from Wise soon Thank you very much XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-09
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. (FL)

I have been the victim of identity theft several times in the past I have a new identity theft alert on my credit and I have a credit lock placed. There are three medical collections on my credit report that are not mine and were not originated by me. They are the following : 1 ) XXXX XXXX XXXX Acct # XXXX 2 ) XXXX   Acct # XXXX  3 ) XXXX Acct # XXXX
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Good Day, My name is XXXX XXXX, former address XXXX XXXX XXXX XXXX, XXXX FL, XXXX. My previous FHA Loan was with XXXX XXXX. I sold my home in XX/XX/XXXX because I am XXXX XXXX military and had to move to XXXX. XXXX is reporting 19 late payments on my account which is completely inaccurate and I have the bank transcripts to prove this, which have been sent to them through two different disputing agencies. There was partial payment made throughout the history of the loan by mistake from when my spouse, who was going through 2 years of XXXX and XXXX, made partial payment. Unfortunately while I was XXXX, she had to remember and cover down some of our bills. This was also provided in the dispute sent to XXXX. Right now I am XXXX and my Wife ( In remission from XXXX ) and XXXX year old XXXX are homeless because the reporting of my mortgage payments is false and I can not receive a new home loan. 

I would like them to report what payments were missed and what payments were late and also provide some form of documentation to me in the meantime while my credit updates so that I may in tern provide this to a new lender in an effort for a new loan. If I made a payment for XX/XX/XXXX, in XXXX of XXXX it should report as such. If XXXX of XXXX was missed, then that should report as well. At least then I can pinpoint the time and location of why the payment did not make it to the mortgage lender, for example, I received a XXXX XXXX XXXX bill in XXXX  of XXXX, or I was out to sea and unable to access internet or communication devices. 

Thank you for your time and If you can provided any assistance in this matter I would greatly appreciate it. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Services of Mississippi, Inc. (TX)

I have contacted Financial Services of Mississippi about a old auto loan. I asked them to remove it. I was informed that they no longer report to the Credit bureaus and that my debt is forgiven through then. This is an issue. I need this resolved as soon as possible. Thank you
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MA)

Hi Source Receivables Management Acct # xxxxx balance of {$2800.00} ''??? ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Hello! 
I've already file a complaint with this company on XX/XX/2021, the complaint number is ( XXXX ). However, I'm still seeking some some assistance in pay my mortgage payment and becoming current on my house note. I really appreciate your time and assisting. I can be reach @ ( XXXX ) XXXX. 

Thank you! 
XXXX XXXX
Consumer complaint received 2021-08-10
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. (NY)

Dear complain department, I do not recognize inquiries that recently appeared in my credit report. I would l inform you that I am not connected with any of these inquiries. Probably there were filed by mistake or error. I assume it could be identity theft. but for sure these enquiries are not mine. Please delete them
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (TX)

The company Radius Global Solutions  contacted me regarding a debt I was not aware of. I advised the representative I need a validation of debt and wanted to debt the debt. The representative advised me I could not dispute the debt until after I received my validation of debt. I informed the representative this was not true and I had the right the dispute the debt as well as request a validation. The representative continue to argue with me and cut me off then eventually hung up the phone after asking for a manager. He advised me no manager was available and the call dropped. I called back to speak to manager XXXX XXXX, I asked him to listen the call since he seemed to not believe his representative told me false information. I asked him to listen to the call and call me back or I can call him back so we can resolve the situation. He told me it was none of my concern and refused to set a follow up to discuss the call. The manager told me he went ahead and put the account in dispute. I informed the manager if I didnt know my rights I wouldve thought the only way I can dispute the account is after I received my validation. He did not seem concerned about my situation. I asked him for information on upper management and Human Resources to submit a complaint, initially he refused but after pressing a while he eventually gave me a general number for the company. The representative also did not provide the mini-Miranda.
Consumer complaint received 2021-08-10
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. (FL)

Dear complain department, I would like to complain because I have unknow accounts in my credit report. I do not know their origins and they are not mine. Please check the information about these accounts and apply the investigation on the case of identity theft. Because I assume that somebody just used my information to file these accounts. 

I am talking about these accounts below : XXXX 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 2021-08-10
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. (TX)

XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$790.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$57000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$1100.00} Original balance {$62000.00} Highest balance {$0.00} Terms 72 Months
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

My concern is with the infrequency that experian updates the information on credit reports despite claiming the information is current The problem with this is that credit scores are calculated based on credit used/balance outstanding. 

As an example : on my credit report dated XX/XX/2021 experian shows my XXXX XXXX balance of {$9800.00} as of XX/XX/2021 ... .however I made a payment of {$9000.00} on XX/XX/XXXX well before my closing date and then additional payments after bringing my balance to XXXX. 

Now experian is saying that the next update to my credit report will be XX/XX/2021 ( another 23 days from the writing of this complaint ) Which means that despite me paying down my balance in early XX/XX/2021 it wont be reflected on my credit report until mid XXXX Which means it limits what credit I can apply for because my ratios will look as if I am utilizing more credit than I am actually using. 

I try to dispute the balances to force a manual review however experian claims they reviewed the balance and it is correct and does not update the balances. 

This is very frustrating My score just dropped 15 points in XXXX and the reason given was increased debt usage But I am not using that debt Id like experian to truly update balances monthly and not claim they are but use data 60+ days old