davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc. (AL)

They claimed I borrowed money from them but I have no knowledge of it. I will not pay for a debt I do not owe. Its going on years now and I will not pay for a debt I do not owe therefore they need to take it off my credit report
Consumer complaint received 2021-04-13
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 (GA)

My account was permanently banned PayPal refused and balantly lied in my first complaint. My account was banned on XXXX the XXXX not over XX/XX/XXXX. My account was banned because of me get lump sum of XXXX from a friend for my stuff he bought. When I tried withdraw it be some this whole back and forth. They wasnt XX/XX/XXXX rewiew. One his agent got mad banned me again. That why it seems like I got 2 bans in which I recovered I am planning on suing this company. They steal money from people and pass it on. As for unemployment. My friend who recently got out jail. Used my PayPal account number to receive his unemployment. For a few weeks before I changed it. PayPal didnt have problem with than why have problem with it now. It been 200 days since the permanently ban. I just want my funds back. Tell the company to give me my money. PayPal is terrible scamming there innocent consumers. Worst part the guy who sent the XXXX was limited for 180 days but got his account back in one month.
Consumer complaint received 2019-01-04
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. (NJ)

According to my recent credit report request from XXXX, Equifax, XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX contact information XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX  , XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME
Consumer complaint received 2021-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

This company isnt complying with its own Policy in a timely manner, they've had more 30days to respond, i sent out a letter on XX/XX/2021, and im requesting all items involved be permanently deleted from my consumer report
Consumer complaint received 2024-12-05
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (GA)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt reported by IC System, which reflects an open balance of {$270.00}. I have no knowledge of this company, nor have I incurred any debt with them. 
To the best of my knowledge : 1. I have not incurred any debt with IC System.

2. I have not been contacted or provided with detailed information about this alleged debt, including the original creditor, amount, or relevant dates.

3. I believe this claim may be an error or a case of mistaken identity.

I kindly request the CFPBs assistance in investigating this matter. Specifically, I ask that IC System provide : Verification of the debt, including supporting documentation. 
The name and contact information of the original creditor. 
The date the debt was incurred, along with any other relevant details. 

If IC System can not provide substantiation for this alleged debt, I respectfully request that it be removed from my records immediately. 

Thank you for your attention to this matter. Please let me know if additional information is needed. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I contacted my mortgage lender, Wells Fargo Home Mortgage to request a loan modification. I am in a Chapter XXXX bankruptcy. I am current on the post-petition mortgage payments, but I would like to modify the loan because I want to bring the loan current so that I do not lose my home because I am not able to sustain the bankruptcy payments so it will eventually dismiss. After getting the approval of my BK Attorney, XXXX XXXX to speak to me regarding my loan, WFHM took me through a series of questions to determine if I was eligible to apply for the modification. They advised me that I was and began to collect my financial information ( i.e. income and expenses ). They quickly denied my loan modification request, when I asked why, I was told it was because I was in bankruptcy. I asked for more details, they could not provide. I do feel that this is a mishandle of my loan which could cause me to loss my home to foreclosure. How can you approve me to apply for a loan modification while in bankruptcy and use the bankruptcy as a reason to deny it? I want this investigated as I believe my loan modification request has been handled negligently.
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2018 in an attempt to pay off my second mortgage with XXXX XXXX. I wire transferred {$450.00} through XXXX XXXX to XXXX XXXX 's specific account. XXXX XXXX 's account number indicated that Wells Fargo Bank was the Bank holding the account. XXXX XXXX listed Wells Fargo home mortgage as the beneficiary rather than XXXX XXXX. The money also was inadvertently sent to MD rather than XXXX XXXX. The money was delivered into the account as confirmed by the tracking number. XXXX XXXX never received the money. According to Wells Fargo, they obtained the wire transfer money from XXXX XXXX. On XX/XX/2018 I received notification that Wells Fargo was transferring my home loan to XXXX XXXX XXXX. Prior to the transfer I contacted Wells Fargo whom indicated that they would be transferring the wire transfer to XXXX XXXX XXXX. According to XXXX, they did not receive the payment wire transfer. XXXX confirmed that they opened an investigation regarding the wire transfer money from Wells Fargo. Wells Fargo allegedly opened an investigation regarding the wire transfer and then closed the investigation and my account. I have requested a payment history with Wells Fargo, whom as of today 's date has refused to produce any copies or indication as to how the {$450.00} was applied to my account. My loan is an ARM loan ( adjustable rate note ). Pursuant to my note, when and if I make an additional payment, " I will tell the Note Holder in writing that I am do so. I MAY NOT designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. '' Page 2 or 4 item 5 Borrowers Right to Prepay of Multistate Adjustable Rate Note. At no point in time did I authorize the payment of {$450.00} to Wells Fargo nor did I indicate in writing that I wanted the inadvertent payment to be applied to my principal as a prepayment. Upon transferring of my home loan XXXX committed the same error. On XX/XX/2018 I confirmed with XXXX   that they had finally received the {$450.00}. They opened an investigation. They NOW are also applying partial payments as " curtailment '' payments and violating the contractual adjustable rate note. I have filed a complaint with the FDIC and XXXX regarding the wire transfer. I have also sent Wells Fargo a letter, in which I have received contact from XXXX XXXX regarding the issue of the wire transfer and requested payment history. In the letter I requested a payment history. It is my belief that Wells Fargo has committed a fraudulent act with criminal intent to place my home loan into default leading to foreclosure.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Garcadia Financial LLC (UT)

On XX/XX/2018 I paid {$910.00} to XXXX XXXX to take it out of collection status and Repossession Status. I have evidence of this payment being made. I was told specifically by XXXX XXXX that if I made this payment at this exact time my vehicle wouldnt be repossessed. In the exact same conversation she conveyed to me that everything was fine and my account and if I abided by our payment schedule and bring it current within the next 6 weeks my account status would be restored to perfect. 
After finishing my phone conversation I jumped in the shower a XXXX to begin my normal work day. I spent literally an hour with XXXX. Nonetheless, Within 10 min after that phone call a car repo company literally entered the side door of my Garage, opened my Garage door and drug my vehicle out of the garage. They then proceeded to hook it up to their tow truck and take It to a tow yard. This is unacceptable for many reasons 1st XXXX XXXX lied to me which as a result has ruined my credit for several reasons. I am attaching a copy of my credit report along with the receipt of the email and receipt of payment. This company can not be allowed to do something like this.
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MS)

I was going through a little lack of work. I got some late fees waived on XX/XX/2018 payment due date was on the XXXX of every month I been a Walmart credit card holder for two years going on 3 and I didnt receive any emails or anything in mail stating my account was closed on XX/XX/2018 I went to make a payment to use card in store and I realized I was speaking to a collection agency I then had to find out why my card closed and they said it was bc of delinquency and my recent statement shows active due XX/XX/2018 I dont have credit card protection for card its not available I have had worse times than this and now my credit is critically damaged unnoticeable this is not right.
Consumer complaint received 2019-01-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I began classes in XXXX of 2008 at XXXX years old. As an employee of one of the largest telecommunications companies in the country with XXXX XXXX. A college degree, an opportunity for advancement to better my skills to help support my family. I am currently XXXX and work for the second largest XXXX  company in the country XXXX XXXX XXXX. As a father of XXXX with my oldest being my XXXX year old son who is attending college courses himself. Have never been offered anything other than forbearance on my student loans managed by Navient formerly Sallie Mae. Under some of the original stipulations for loan forgiveness working on the maritime project and install and service high speed Internet. All of the information I received was faults I currently owe over {$44000.00} having never received a degree or been inside of the classroom as every course I took was online.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

On reviewing my consumer FICO credit report, I discovered several accounts that I did not authorize or recognize. These accounts have resulted in unauthorized financial activities including several hard inquiries and fraudulent collections which has impacted my credit standing. I have no knowledge of these accounts, and they were created without my consent, indicating identity theft and fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 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 

These accounts have resulted in several hard inquiries and fraudulent collections, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the EQUIFAX credit reporting agency , block information appearing in my consumer report that is a result of this identity theft and fraud within four business days of your receipt of this complaint. I demand that the fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
I have attached copies of my FTC Identity Theft Criminal Complaint numbers XXXX XXXXXXXX and XXXX along with a copy of the police report number that I filed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I tried to upload a copy of the Equifax credit report which you, Equifax the credit reporting agency maintain but i was unable to attach to this complaint.
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (VA)

On XX/XX/XXXX, I contacted SunTrust Bank ( VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) XXXX XXXX. I asked the bank to cancel my OverDraft Protection because I wasn't notified over the phone when I signed up for it that if your account is XXXX the bank will charge you XXXX for not have money in your account although there was NO bounced check? Then the bank bounced a check for XXXX from XXXX XXXX. Which is a company I have never ever heard of which cost me nearly XXXX. I asked the bank to cancel this company because I've never provided my bank card to XXXX XXXX and have no idea how they used my bank check card to pay for this service. SunTrust filed to case ( s ) XXXX for XXXX in XXXX, XXXX and Case XXXX for XX/XX/XXXX for XXXX. SunTrust said they can not reimburse for all the transactions unless I know when the money was taken? I attempted to change my OverDraft Protection to NO from my online SunTrust account but each time it resets itself back to YES. So I asked the Clerk over the phone to cancel the OVERDRAFT PROTECTION and she said that she was unable to do so. 

Please help me. I really would appreciate any help you can advise as you have in the past provided me with EXCELLENT Service. So I am calling upon you again for your assistance as my requests are falling on deaf ears again.
Consumer complaint received 2020-09-15
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. (OH)

I paid a collections on my Equifax credit report on XX/XX/20 and the collections company notified all 3 collections company on XX/XX/20, all but Equifax removed the negative information. I have file 3 disputes and it is still showing on my report. I eve called the Collections company and they advised me again that they notified all the credit bureaus. Equifax claims they never received that information. Even after I filed the disputes. I filed 2 disputes in XXXX and XXXX in XXXX and still no resolution. I have called Equifax numerous times and no one seems to know what's going on. I called on XX/XX/XXXX and I checked my Equifax repot and in less than 24 hours my score dropped 31 points. I advised the company that I had the receipt of the payment and that all they needed to do is contact the agency to verify payment. This is very frustration because I am doing all the leg work and all I get is " I'm very sorry ''.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I received a letter on my apartment door that I would need to vacate apartment by XXXX the XXXX or face eviction. I moved out of XXXX XXXX XXXX  XXXX XXXX 2019. 

I emailed, and called XXXX XXXX to let them know I would be leaving on XXXX the XXXX. 

I talked to the apartment complex manager XXXX XXXX who assured me I owed nothing. And I could leave before XXXX, XXXX. They just wanted me gone before above date. 

I received a letter from hunters warfield explaining I owed their client XXXX on XXXX, XXXX. I was shocked. 

I asked for validation of debt .I received a reply back. I was mailed a document saying I owed XXXX rent. And that XXXX XXXX   reimbursed the apartment complex for part. Hunter warfield says amount I still owed is XXXX I owe nothing to anyone. I payed last month rent in XXXX XXXX. Ive showed Hunter warfield email to XXXX XXXX stating I would be leaving in XXXX XX/XX/2019 I showed them payment on XXXX. 

From this point Ive been getting the run around. Hunter warfield says contact XXXX XXXX. XXXX XXXX says I have contact apartment complex. They however do not pick up ( try for yourself to see if you can reach XXXX XXXX  and someone actually pics up ) Ive however left messages with apartment. They will not call back. 

Ive disputed debt with XXXX. Hunter warfield told them I still owed debt. It is on my credit report. 

I refuse to pay a debt that I did not make. This is very disheartening that one can be lied on. Your credit score, your credit reputation destroyed over a lie.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX TransUnion : XXXX Date of inquiry : XX/XX/scrub>XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-04-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber (CA)

On XX/XX/2020 at approximately XXXX XXXX, I contacted Grant & Weber, a collection agency located at XXXX XXXX XXXX. XXXX XXXX in XXXX, CA XXXX, regarding two accounts on my credit report that do not belong there. Both accounts are for two medical facilities. I was fully insured when I visited these facilities and my insurance was billed in full, however the facilities participated in a practice known as double billing where they sent me and my insurance a bill in order to collect a double payment. I notified Grant & Weber of this and was told that they would not remove the accounts. The representative I spoke to refused to give me his name and he interrupted me and became irate. I was then told to call back when you decide you want to listen, and hung up on. I called back and asked the operator if it was common practice to treat customers like this to which I was given no response but was transferred directly to an unknown voicemail. The accounts that are in dispute is an account for XXXX XXXX XXXX XXXX in the amount of {$190.00} and XXXX XXXX XXXX XXXX in the amount of {$550.00}. I have disputed these accounts through XXXX and XXXX with no resolution.