davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many 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 items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00}
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

Hello. I am a long-time public school educator who is dealing with many mistakesfrom MOHELA that are preventing me from getting XXXX loan forgiveness. I have sent in all necessarypaperwork, consolidatedall loans, and recertified my qualifying employment each year for years. I haveworked at this school since XXXX, so my loans should be forgiven. In addition, all my undergraduateloans are over XXXX XXXX XXXX and should be forgiven even if I had not qualified for XXXX. 

MOHELA has made mistakes and has delayed correcting them since my loans were transferredto them from XXXX in XXXX of XXXX. Although I have great credit scores and no other debt, I am being denied consumer loans I am applying for no other reason but this loan situation is not being resolved. As a XXXX and a XXXX teacher, I am disappointed and, quite XXXX, angry that this situationis not being resolved. It is interferingwith my life and my financial progress. 

In addition, credit bureaus are showing an incorrect loan amount that is higher than I actually owe. MOHELA and/or XXXX XXXX XXXX XXXX XXXX remedy this mistake. 

I ask that you pleasehelp remedythis situationas soon as possible. I want to continue to serve as a teacher, and I need this to be resolvedfor my own financial and personal well-being. 

Please let me know if there is anything else I can do on my end. Please help me remedy this situation so that I can move on with my life.
Consumer complaint received 2016-09-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credit Collection Partners, Inc. (IA)

Number called my cell phone the number was XXXX, they said i had outstanding debt, which i do not, they said i could pay this debt online, i went to XXXX and the first page comes up with a description of what accepting yes means. Problems is before clicking yes, you are given no information on the debt how much of the debt or what type of debt it is. They are asking me to take ownership of debit which is not mine, this is so wrong on so many levels. Check it out. go to the site and put in your full phone number and zip code and i bet you have the same debt as well.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/ my wallet and work phone were stolen. Multiple cards were used and I noticed my one account had been wiped after an alert. I immediately called Chase Bank cancelled my card, asked them to remove it from everything and give me a new account. I was told accounts fine theyd register me a new card. I was refunded in the amount of {$2400.00} in the following few days. Today I noticed my account reversed those funds and took the money in which put me in the negative. I never made those authorizations. I never make fraud claims as I am careful with my stuff but was unfortunate this time and now am getting completely XXXX over. I just want my money refunded back to my account and i will close and leave that bank as that is a disgrace.
Consumer complaint received 2020-05-18
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. (GA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.XXXX XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX  XXXX {$250.00}
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was reviewing my credit report the other day and was thrown into a XXXX XXXXXXXX when saw the number of inaccuracies being reported on my credit. These errors are affecting my life far too much all because the baseless and unauthenticated items and information that is being reported on my credit report without any proof. I need this information investigated and these errors corrected.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (FL)

THEY CLOSED MY ACCOUNT, CANCELLING MY TRANSACTIONS. FOR NO REASON. 
I am not happy with Wise decision to close my account. I tried to appeal. I do not know if it makes any sense to appeal, but I tried to because I want to understand what happens. I appealed, and they said that after reviewing, they have decided to keep it closed, and if I need any clarification, I have to connect with support and have the right to complain. I do not have access to support anymore, and this is my complaint. 
None of the reasons they expose to close accounts are seen in my case. I tried to make a depot to add money to my account, and after all ok, they sent me an email telling me that my transfer was canceled, that my bank debit payment failed, and that my money was still in my bank account ( which is true ). Then, the next day, appeared a negative balance in my Wise Account and the thread to close the account if I did not pay the difference asap. After reviewing with my accountant, the transfer I did on XXXX XXXXXX/XX/XXXX, was not deposited to the Wise account because the sender 's bank canceled it, but I could not find out why. And also do not understand why a negative balance. I think all this needs an explanation. 
I am not making a refund request. 
I really do not care for the remaining balance. So I am not submitting a refund request. But if I wanted to check the couple of dollars they owe me, it would be impossible to review because I can not access the balance statement because no support contact is activated and this point. 
As said, I am not happy, but I am not interested in reinstatement or re-assessing deactivation. Nor speeding up refunds. We are already looking for another financial technology company to create my digital strategy without borders. However, due diligence is needed to define what happened here ; I need to know precisely why they closed my account to avoid it in the future if any fault was from my side. 
I am making a complaint. 
As their policy states, I have the right to ask for a review of my case by lodging a complaint. But it was very complicated to access the page after the account was closed or blocked, so I wrote this way.
Consumer complaint received 2023-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Luckmore Finance (LA)

Luckmore finance continually keeps putting hard inquiries on my credit its happening without my consent. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (IL)

i am delivery man who takes orders and deliver them with payment on my paypal and other account app i got this charge back from a women who made a payment for her fiancee and now they all trying to steal back from me which paypal had to put my account on overdraft and took away some of my money saying i cant use paypal anymore why cant they confirm payment before ever sending and why would they charge back please i need my paypal accout restored and money back thank you.
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Home Loan Center, Inc. (PA)

On XX/XX/2023 around XXXX I came across Lendingtree.com from looking up " refinance my car loan '' on XXXX XXXX I fill out an " application '' ( later the representative called it application but on the website they marketed as " answer a few simple questions '' ). As soon as I filled out my " application '' I was spam called, emailed and text message. The company calls me about every XXXX and would not stop. The calls continued from the next morning XX/XX/2023 from XXXX to XXXX after I told TWO different representatives to STOP call, email, or texts me. As of right now, I am very distressed and worried because I asked the representatives " XXXX '' and " XXXX '' if they had run any credit report on me and they both said NO, but I later find out that was a lie. The company pulled my credit report which is definitely harmful to my credit score. Also, they did not ask for my social security number nor my consent to pull my credit report on their website and I specifically told them not to. I became nervous so I look up the company name Lendingtree on XXXX and I am not the only victim to this unethical company. Everyone had the same experience as me which is they would not stop calling you, pull your credit report and ruins your credit score without your consent. We all thought we were getting free quotes for our loan but there was multiple hard inquiries from differ companies that we never authorized. is very unacceptable and can't help to feel like a scam and also a violation of Privacy.
Consumer complaint received 2023-03-10
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. (RI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ADMIN/DIV OF TAX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL (FL)

On or about XXXX XXXX I called Syncrony bank to payoff my XXXX loan. 
They said the quickest way because they have no web based pay system was to give them my bank info ie : account and routing numbers. I called them back a week later because the amount of {$5900.00} had not been withdrawn yet, In the meantime my automatic payment thru my bank had already processed also so I should have a over payment, They told me when i called that it was not paid and could not tell me why except that the payment was returned. they were supposed to check phone logs to check recordings of my bank info was correct and that they would call me back ( no emails can be sent from them I was told ). I never received a call and to this date it has not been withdrawn from my account.. I don't feel i should have have to pay more interest for there mistake. I received a letter which if I can attach saying it was paid off. I can't get any help from phone calls, they don't know anything they just want me to repay again, I don't want to be charged twice for I don't trust how they do business.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2023 I went to the Wells Fargo branch location at XXXX XXXX XXXX XXXX. XXXX, NC to deposit my payroll check. I utilized the drive through teller window to deposit my payroll check in the amount of {$870.00} On my deposit slip, I instructed the teller to deposit the full amount of the check into my Savings Account # XXXX, with {$200.00} of the check amount issued to me in cash as a withdrawal. The teller provided me with 10 bills worth {$20.00} each. Later, I received a notification that my check had been returned as unpaid due to a tear at the bottom of the check where the account and routing numbers are located. Due to this returned check, my account was debited {$870.00}. However, my account should have only been debited that entire amount if I had actually withdrawn the entire amount of the check in cash. I did not. My balance should have been brought down to {$340.00} since my account was at {$530.00} at the time of the deposit and I only withdrew {$200.00} of the returned check amount in cash. Instead, I have been told that my account has a negative balance because Wells Fargo claims that they issued me the entire check amount of {$870.00} as a cash withdrawal. 

Wells Fargo has performed an initial investigation of this matter under claim number XXXX and determined that they do not owe me any money because I received a new check from my employer for the returned check amount. However, Wells Fargo has incorrectly claimed that I withdrew the full check amount in cash on that day and now claims that I owe them that amount. That is false. I only withdrew {$200.00} of the {$870.00} check and attempted to deposit the remainder. Wells Fargo has claimed that there is no video footage of this matter and that I withdrew the entire amount of the check in cash. I respectfully do not believe that to be the case. I request that this matter be reviewed. You will find that the teller never handed me {$870.00}. She only provided me with {$200.00}. I am simply asking for my account to be properly debited for the actual withdrawal that I made of {$200.00} which would bring my account balance to {$340.00}, which accurately represents the {$200.00} debit from the original amount of {$540.00}. The deposit slip presented to the teller that day confirmed that the full check was deposited to the bank, except for {$200.00} that was provided to me as a cash withdrawal. Thank you for looking into this matter.
Consumer complaint received 2023-03-10
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. (IL)

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

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX : - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$690.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX Balance : -y : Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$650.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.