davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XX/XX/2020 XXXX : Remove Unauthorized Equifax Credit Report FREEZE To Whom It May Concern, With great urgency, I requested the removal of an unauthorized Equifax Credit Report FREEZE placed on my identity EFFECTIVE IMMEDIATELY on XX/XX/XXXX and XX/XX/2020. I I was asked to fax the below documents. I sent them twice via fax, the first time I was told they could not make out my Driver license and SSI Card, Blurry. I could not answer the computer generated question of the exact dollar amounts for the bank and student loans that grow in interest daily. I can not establish residency without the Freeze because I can not get water bill, electric bill. telephone, internet bill place in my name all agencies are using Equifax credit reports. My current property management company is paying my utilities as I can not but them in my name because of the FREEZE that I did not Authorize. I am being fined daily. 
XXXX  Dr Lic # XXXX SSI # XXXX New Apartment Lease signed XX/XX/2020 New Address - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX  XXXX Previous Address - XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize Equifax Credit Report to FREEZE and to place an unauthorized FREEZE on my identity. 
I also was not compensated for the authorize Equifax Credit Report BREACHED, that apparently initiated this unauthorize Credit Report FREEZE on my identity. 

I called several time today XX/XX/XXXX, without success. Then I figured out how to get free Credit Report and they refuse to ask me the computer generated questions. Stating now extra measure have to be taken because you have called multiple times. PLEASE REMOVE EQUIFAX CREDIT REPORT FREEZE EFFECTIVE IMMEDIATELY TODAY XX/XX/2020 You can reach me by calling XXXX or by email at XXXX if you have questions regarding this request. 

Seriously Frustrated and Angry, XXXX XXXX
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Equifax ; XXXX and XXXX should not be reporting that I am ( 120-150 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and SSN card for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

My name is XXXX XXXX. I've placed a prior CFPB complaints regrading my credit scores dropping acutely in XXXX of this year. I've been provided multiple answers to date regarding why this is. I was initially provided information that making a minimum payment in XXXX on my student loans was the driving factor regarding this. Essentially, this was the reason for my initial dispute/complaint. With that being said, further discussions with reps from the credit reporting agencies, my student loan service ( XXXX ), and the XXXX have revealed that this drop is most likely secondary to my student loans being placed into the government driven loan forbearance. Regardless, I am placing a formal complaint at this time challenging the accuracy of my current credit scores and the reflected drop in score that occurred in XXXX. My student loan service has provided that there is nothing from their end that would have resulted in this acute change. Discussions with the credit reporting agencies ( as well as pulling these reports myself ) would allude to my student loans being the culprit for the significant drop in my scores noted in XXXX.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (VA)

I deposited a XXXX XXXX money order at Wells Fargo and couples days later on XX/XX/XXXX, they deducted {$490.00} from my account with the notes saying, " refer to maker ''. So I sent XXXX XXXX my information and they have been cooperative the whole time sending me the letter and Source of Receipt ( SOR ) detailing that Wells Fargo has the money and SHOULD reissue me the money. Wells fargo has constantly been playing a game of hot potato with me blaming XXXX XXXX for their problems trying to avoid paying me. If you could please get Wells Fargo to reissue me the funds and stop playing games that would be great. Thank you.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc. (NC)

Thank you for the opportunity to submit this information. 

I applied for a loan refinance on Monday, XX/XX/XXXX. I applied with the following company XXXX XXXX. On the next day, since I hadnt heard back from them ( phone call or email ) I applied with XXXX  XXXX XXXX. 

1. XXXX  XXXX XXXX locked in a rate for me and subsequently asked for supporting documentation ; one of which was Provide detailed explanation of credit report inquiries, including documentation of the terms for any new debt incurred for the following inquiries : FACTUAL DATA, XXXX, XXXX. FACTUAL DATA, XXXX, XXXX. FCTUALDATA, XXXX, XXXX. Well I didnt know what this FACTUAL company was my credit report listed their information ( pasted below ) so I called at approx. XXXX on XX/XX/XXXX ; the representative immediately asked for my Social Security number so she could pull my information around a mortgage I applied to ; I stated that I would like her to provide a listing of the mortgage companies they are affiliated with ( who they pull information for I asked this so I could determine if it was XXXX XXXX that made the inquiry on my credit report ). 

The representative said she could use my name and last 4 of my social. I gave her my name but not my social and I told her that I would be submitting a complaint to CFPB and that I would get the information I needed from you all. She went on asking if I wanted to speak to management, I replied no I went on to say that her company ( which I didnt even know if it was real I never heard of it ) made an inquiry on my credit report and that she couldnt tell my why unless I provide my confidential sensitive information something is wrong ; they should have enclosed on the credit report that they ( Factual data ) were making the inquiry on behalf of XXX ( mortgage lender ) She then said she could get to the data if I gave her the exact date of inquiry, I told her one Credit Bureau had XX/XX/XXXX and the other had XX/XX/XXXX as the inquiry dates. She said OK she sees XX/XX/XXXX but she would need my full address I provided my city and state and when she wouldnt tell me who hired them to inquire ( pull my credit report ) I told her that I would be submitting a complaint. 

This seems so strange and unfounded and something should be done to prevent citizens from knowing who is inquiring on their credit report without divulging personal confidential information especially in this age of identity theft. 

Thankyou so much for your assistance. I look to hear back shortly.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NV)

Hi my name is XXXX XXXX. I'm not sure what to do at this point as I've tried resolving this issue for over 6 months. I signed up for venmo and transferred {$1000.00} ..the first couple transfers I did went threw without a problem. I tried linking my friends debit card to my account because I lost mine and he was also a venmo user but when I did that they froze my account. I was told I needed to send them copies of my id, copies of my bank statements and even copies of all the people 's id 's and bank statements of every person I had either sent and received money from and there id 's as well. .i told them I wouldn't be able to do that and I sent the docks I could. They said that wasn't good enough and my funds would be frozen for 180 days ... i told tgem to close my account in the hopes they would then send my money back but that didn't work ... i received a " final statement '' and contacted the executive of esculatione ... he informed me my money would finally be released on XX/XX/XXXX ... .i tried contacting him about 7 more times and also sent about 30 emails to different departments asking how to get my money since I was unable to get into my account since it was closed ... .now there basically telling me that my case has been translated to a specialist and I would have to wait ... .i need my money ... I lost my last appartment already because of this and I don't want to lose another one ... .plesse help me I don't know what else to do! Thanks XXXX XXXX my user name in venmo is XXXX ... the email is under XXXX ... .thank you so much
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

Reward certificate dating from XX/XX/XXXX to XX/XX/XXXX expired totaling more than XXXX dollars not clearly mark as stated under California law in a font size of 10 in all capital letters
Consumer complaint received 2020-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: QUALITY ACCEPTANCE LLC (OR)

For a year we have been paying our car two months advanced. Due to the Covid-19 and Federal mandate I am currently temporarily out of work and I kept getting calls from Quality Acceptance for payments. I explained my situation that I am struggling right off the bat due to the work restrictions because of the Covid-19. I informed them that this is our first time being late with the payment and still kept demanding for payment. I told them that their is a moratorium in place until everything is lifted and we will be back on our feet and will make the payments. They still won't listen and I am told by XXXX that " because this is a high risk lender, we don't participate on Federal and State guidelines. I was so shocked! Please help me and I am pretty sure that I am speaking for everybody else that is going thru this. Quality Acceptance LLC are located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX XXXX
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 I ordered a water slide for my grandson from XXXX XXXX. I utilized PayPal to complete the transaction. PayPal automatically withdrawals the funds from my union bank account. After several months I had not received the item I began emailing the company they sent my a tracking number. Months later I received a package in the mail with one pair of female socks, ( definitely not what I ordered ). I made several attempts to contact the company via email with no response. I contacted PayPal and they advised I would need to contact my financial institutions since the funds had been withdrew from my personal account. So I contacted my bank and was provided with a number to contact consumer financial. I have made several attempts to resolve with the shipper, PayPal, and XXXX. This transaction cost was {$99.00} On XX/XX/2020 2020
Consumer complaint received 2020-06-23
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)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$6000.00} DEPTOFEDXXXX   XXXX {$3500.00} DEPTOFED XXXX XXXX {$3500.00}
Consumer complaint received 2020-06-23
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)

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.
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

My credit report changed on XX/XX/2020 sending me a notification when I checked it, it stated my mortgage company made a change stating my account balance increased {$7200.00} ( having never missed or been late on a payment ) I immediately called them and spoke with XXXX XXXX, who stated he could see no reason/note on what changed and that someone would contact me. 

Prior to all this, I had contacted the mortgage company about delinquent taxes ( taxes are to be paid, per my loan, by the mortgage company ) I had received a bill from the tax collector stating unpaid. When I called, I was told very rudely that they would be paid and the mortgage company who had my loan ( XXXX ) never paid them. 

When I called again on Monday I spoke XXXX and was told I had to wait till Friday, to get an answer. No one called so I called back spoke with XXXX XXXX i was driving and couldn't write her # down ) I was told there was an error and it would be corrected the amount of the increase was not what was reported, I stated there should be no increase I have not missed any payments. She put me on hold, then came back 15-20 mins later apologized having me on hold so long, and asked if I were still there and said someone would call me. No calls came, I then received my statement, showing my monthly payment increased, I called once again, was told there was nothing was noted in the system, though someone would call me from the escrow department. No one has called, so I just left another message as i couldn't get a live person on the line.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (CA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2021-02-10
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. (CA)

XX/XX/20 {$800.00} unauthorized transaction through XXXX to XXXX found the name XXXX XXXX Contacted him through XXXX  and asked to send back money through his account and claimed he didnt know what I was talking about XXXX/XXXX/20 {$800.00} was transferred into my chase account while they did research Chase closed my account after denying my claim twice after I have called to dispute again. So hard to get copies of my statements. 

I do not have a record of ever disputing a payment. This was an unauthorized transaction. Im a XXXX  in california who lost their job. I would not be spending {$800.00} this is rent money to me. I would just like your help on getting this back so I can then cancel my account with Chase since their customer service and fraud protection was so poor. 
Thank you for all your help.
Consumer complaint received 2020-06-23
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)

There are accounts listed on my credit file that are fraudulent ... .see list below : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1700.00} XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1700.00} XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX   # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX EQUIFAX XXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers :  XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX  # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1700.00} XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF ED/XXXX # XXXX {$3200.00} XXXX # XXXX {$460.00} XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX # XXXX-XXXXXXXXXXXX {$250.00} XXXX XXXX # XXXX {$550.00} Inquiries : XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (FL)

Complain is in regards with the money that I sent to my family in the XXXX which haven't been claim yet I sent the money last XX/XX/2019 with name of XXXX XXXX XXXX the name was correct and the address, phone number but suddenly the account was enter was wrong i don't know why i report it to remilty that the account was enter was wrong them to correct but they tell me to contact the XXXX in XXXX. my Family in XXXX went to the bank they told her the account number that sent the money was not exist so the money was not sent to XXXX account they said that we have to contact again the remitly but remitly still insist that the transcation was completed been seeking for help for almost a week now still no answer which is so frustrating.
Consumer complaint received 2020-06-23
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. (TX)

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Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo stated that Covid related forebearance would not go on the credit record, but it did and they have caused many problems since then. When everything started with covid-19 Wells Fargo reached out to mortgage customers like myself to say they could assist if you needed it or were making changes to your loan. At the time I was refinancing my house through another local lender and looking have a safety net with the change over and losing a few hours at work. I contacted Wells Fargo and explained the situation, and they recommended that I take the payment assistance through forbearance. I expressly asked if it would change anything on my credit and they said it would not. I accepted the assistance and kept moving forward on my refinancing. After this Wells Fargo did submit a change on my credit report that did list the mortgage in forbearance. It made my refinance fall through 5 days before the closing date. When I contacted Wells Fargo a representative told me that they discovered this was happening because they did not properly disclose what could happen when you used their assistance program and how it would effect refinancing. I asked to be removed from forbearance immediately and for them to send me a letter as proof of being removed from the program. From this point I started working with my local lender again and they said I would need to wait for the three credit bureaus to update in order to move forward. I contacted each bureau and submitted a dispute so they could verify the change. Today I was contacted by XXXX  and told that Wells Fargo stated that I was still in forbearance, did not confirm the change. I feel like this is happening because I'm looking to change lenders and they want to place roadblocks for me to get refinanced. The longer this takes the more interest is charged and collected by them. I'm looking for help because I don't know where to turn to.