davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (NJ)

It has come to my attention that Simons Agency has placed a two derogatory remarks on my credit bureau files pursuant to me having paid them what you claimed that I owed them. They are account numbers XXXX and XXXX. 

When I paid them, I relied upon the belief that they would do the honorable thing and remove this derogatory comments from my credit bureau files which they not only failed to do but actually updated the date of last activity on this account, which extends how long it can be reported for. 

In doing so, they obviously failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for me to file a complaint against them with the Consumer Financial Protection Bureau ( CFPB ) for your violation of the estoppel doctrine of law. 

Here is what the Doctrine of Estoppel is and how it applies to their violations of it. In order for the Doctrine of Estoppel to apply, the party of the first part ( Simons Agency, the collector ) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice. 

In their communications with me they told me that they would update my credit reports as soon as I had paid the debt to them. Quite naturally, I assumed and relied upon their statement to that effect to mean that they would remove the account in its entirety from my credit report. 

The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. Section 623 imposes the following duties : If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). 
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). 
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).

Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E )
Consumer complaint received 2019-04-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

1. I was granted a loan modification from Wells Fargo in the Spring of 2018 2. When I had questions about the final modification papers, Wells Fargo did not respond to all my questions. 

3. On XX/XX/2018 at XXXX I called XXXX XXXX XXXX at ( XXXX ) XXXX FHA Case # XXXX XXXX XXXX As Wells Fargo has not called me back yet about my questions and signing is set for XXXX today. They promised to call back and have not. 
I talked to FHA/HUD a girl named XXXX about the lack of response from WF on the issues I have questions on. 
She will try to find a representative to talk to but they usually need a few business days to process requests. 

at XXXX XXXX called from Wells Fargo during the above call. and this is the exact words in a legally recorded phone call XXXX : ... ..Those documents are now expired so theyre not essentially valid documents ... 
XXXX : So dont sign the documents with the notary because they are out of date? 
XXXX : Correct, Theyre expired so they would be invalid. There would be no purpose to signing those particular documents He said he will get back to me shortly with what they will do.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I requested a XXXX file on ne and I found a name tgat has never been mine and an address. 

I calleds XXXX  to correct these errors but no resolution.
Consumer complaint received 2023-11-23
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. (CA)

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
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
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A. (FL)

I made a mobile deposit to my personal checking account on XXXX at approximately XXXX. I was advised via the mobile app notification that my funds would be available XXXX at XXXX. I noticed when checking my account that did not take place. I called the bank XXXX and was advised the funds were being held for verification and would be available on XXXX. I called the bank to be told that the hold was not released. I filed a complaint and was contacted by bank given yet another time frame as to when my check deposited on XXXX would be available. This new date was XXXX making that the XXXX business day since the deposit was made. In addition, the compliant and grievance case manger suggested I take my check to another bank let them cash it and PNC will deduct the funds from my account since they already where expected them. He was no willing to assist in a professional manner, he repeatedly raised his voice and over spoke me. He failed horribly in resolving the issue, he truly escalated my complaint, leaving to seek other actions. I went as far as identify to him where the company failed to provided proper notification of the issue or reason for the delay, without my first calling with the complaint.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Reason for Deletion : This is a duplicate account. This account was included in my bankruptcy and should not be reporting negatively on my credit report.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

There were a lot of citizens bank account opened fradulent in my name. I have tried to fix this because this is reported to both XXXX XXXX XXXX as well as XXXX. I did not authorize for any accounts to be open with a online bank.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/XXXX, I was reviewing my account with Citizens Bank online and noticed that a check was cashed that I did not write for a lot of money. In fact the check that was cashed did not look anything like the checks that I have, it had the wrong address and the signature was not even close to mine. I went in to Citizens Bank in XXXX XXXX, Massachusetts to report the fraud and they had me fill out the paperwork. I was told that it would take 4 to 6 weeks to resolve but usually it takes a lot less. I was also told to report it to the XXXX, MA police department. Over two weeks ago, I went in to talk to the representatives at the branch to get an update and they supposedly escalated it. I went in on Saturday XX/XX/XXXX and all I was told was that it is still in works and they are waiting for the other bank ( XXXX XXXX  ) to respond. It has now been over 6 weeks with no resolution in sight. Any help that you give would be greatly appreciated. Thanks.
Consumer complaint received 2021-02-05
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 ()

PayPal Case Reference : XXXX This is my last hope. PayPal have decided to hold my funds against my will for 180 days and permanently limit/ close my account. I have asked them for a legitimate reason and they refuse to resolve this. 

I have provided every single piece of information regarding the transactions and how these funds were obtained. I am an XXXX seller and I provided receipts, as well as buyer feedback to show they were satisfied with the items sold to them. PayPal have just decided to take my funds for 180 days of XXXX. I was advised to contact this government website as you may be my last hope in trying to get through to them and get them to appeal this decision. 

I'm a XXXX XXXX XXXX XXXX this money is a lot to me and I need it to pay rent. It is completely obtained legitimately and this was already provided to PayPal as proof which I still have if you need to see. I have 100 % feedback on XXXX  and have never had any issues in the past! 

PayPal is refusing to overturn their decision and have stopped responding to me. 

I have almost lost all hope. 

Please help me
Consumer complaint received 2019-01-08
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: WELLS FARGO & COMPANY (TX)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to XXXX stating my identity had been compromised. I notated the account that needed to be addressed. Wells Fargo Acct. XXXX. XXXX  stated the account would remain on my credit with explanation responded with validation. XXXX  violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. XXXX  has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted Wells fargo and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report. Wells Fargo didn't provide information within the 30 days as per FCRA which is a direct violation.
Consumer complaint received 2019-01-07
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. (MD)

A while ago, I contact the credit reporting agencies about XXXX XXXX inaccurate account balance and my concerns were ignored. 

I informed the credit reporting agencies that XXXX account balance is {$0.00} and not over {$27000.00} that was reported at the time of dispute. I requested for the account to reflect such or be deleted from my credit report. 

To date, the account has been closed and the balance was updated to {$21000.00} and not {$0.00}. 

Per the FCRA, credit reporting agencies suppose to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history and they failed at doing so. 

Attach you will find a close up of my XXXX credit report, which I found in my cell phone photos of XXXX XXXX balance amount {$0.00}. 

XXXX XXXX XXXX XX/XX/
Consumer complaint received 2021-02-05
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)

I am in the process of purchasing a home and when the realtor looked at my report, I am a victim of Identity theft. I had a bunch of accounts I've never opened. Please Help me!! I have attached my Federal Trade Commisson report along with my identification. My real estate lawyer told me to go through here to ensure that I get the results I'm looking for.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked Tranunion to conduct an investigation on six accounts where I believed there to be inaccurate information. They conducted their investigation and all of the information came back as verified. They did a horrible job investigating whether the information was correct or not. After they conducted the investigation and said everything was verified. I looked back over my credit report and all of the inaccurate items were still on the report. I recently sent documents to dispute the validity of these accounts on XX/XX/18-XXXX XXXX and XXXX XXXX. The other four accounts were disputed within the previous year. Also, the XXXX XXXX and XXXX XXXX account have not been updated about being in dispute. This has gone over the thirty-day mark that they must say on the report that these items are in dispute. I am very unhappy with this situation because I asked them to do an investigation which they are legally required to do, and they said they did it and everything was verified, but somehow none of the inaccurate items were taken off. They did not do an investigation into my inquiry at all. It looks as if they just sent me a letter back saying it was verified. They are violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. There is inaccurate information on these accounts, and they were not taken off after a thirty day period.
Consumer complaint received 2023-11-23
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. (TX)

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous efforts and diligent follow-up, the inaccuracies persist, posing a severe threat to my financial well-being and personal security. 

I initially reported instances of fraud previously, providing comprehensive documentation, including affidavits, police reports, and other necessary information. Since then, I have consistently followed your prescribed dispute resolution procedures, yet the fraudulent entries continue to XXXX XXXXy credit history. 

I have fulfilled all requirements, adhered to the appropriate dispute procedures, and communicated extensively with your representatives. However, the resolution of these fraudulent entries has not been achieved despite multiple attempts. 

I demand an immediate and thorough investigation into these matters. I expect the prompt removal of all fraudulent items from my credit report and a comprehensive update reflecting accurate and verified information. Additionally, I request a detailed written explanation for the persistent presence of these fraudulent entries and the measures being taken to prevent their recurrence. 

These fraudulent items not only compromise my creditworthiness but also expose me to potential financial and identity-related risks. I trust that XXXX Credit Bureaus takes these concerns seriously and is committed to upholding the accuracy and integrity of consumer credit reports. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX XXXX Balance : XXXX} XXXX XXXXXXXX Balance : XXXX} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {XXXX} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} XXXX XXXXXXXX Balance : {XXXX} XXXX XX/XX/2022 XXXX XXXXXXXX XXXX Balance : {XXXX} XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2018-10-26
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. (NC)

I am concerned about the validity and accuracy of the recent investigation done by Equifax and XXXX..I requested for an investigation because the account XXXX XXXX XXXX, XXXX XXXX, XXXX, I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called Transunion in regard to an hard inquiry from XXXX XXXX made yesterday XX/XX/2019 which I did not do and have no knowledge of. They told me XXXX XXXX had permissible purpose and advised me to get a letter of deletion in order to get it removed. I then called XXXX XXXX. There are no records of any new accounts with my personal information ; my name and social, in their system, there was no attempt at all. I just cant and dont understand how can this hard inquiry magically appear on my transunion credit profile from XXXX XXXX   and XXXX XXXX is saying they had nothing to do with it. XXXX, the representative from XXXX XXXX said she couldnt provide me with any letter about an inquiry that did not happen.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

This XXXX account is NOT a charge off, collections nor is it a Fail To Pay. I have been with this Company 20+ years. I relocated to another State and XXXX was not able to transfer my service 's or account, So I was FORCE to CLOSE OUT and PAYOFF ACCOUNT.
Consumer complaint received 2023-11-23
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. (TN)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

To CFO : XXXX XXXX XXXX has fraudulently used my Social Security XXXX XXXX  account number to issue me my own credit. How I found out is when I linked my social security number to my small business bank account on XX/XX/2017 for XXXX XXXX dollars and was approved and acknowledged and XXXX XXXX pooled my credit report because someone seen the transaction take place. I also filed a XXXX XXXX with the IRS as the issuer of my own credit and it was approved as a tax professional and XXXX still have failed to correct the records of the payments for All my student loans because their trying to raise capital off of me as a slave! I'm over the age of majority and competent! They are trying to comitt embezzlement again me. According to the VESSLE lien act, they only had until the age of 25 to commit this crime against We The People! I also reported this matter to Experian for them to correct their records as well because their reporting false information against my account and has caused me punitive damages! This matter is with prejudice. 

P.S. 
XXXXXXXX
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX closed my complaint thinking it was a duplicate. It's not a duplicate and this new issue just happened. Maybe I wrote to much in my previous complaint and it was over looked. But the new issue is still with the card, but in fact that the amount they REMOVED which was XXXX and credited my account was added back increasing my balancing once again. 
Now, I am seeing a balance transfer in the amount of {$320.00}. Increasing an already high balance. I am not understanding what was the need of this transfer if it was credited, if I suggested to close the account, and XXXX some how forgot. Now this new balance increase, has affected my credit score which doesn't look good when I have been doing what I said I would do, which would be pay the balance. Later in the letter, it states that " The only balance you are responsible for is on account ending XXXX. Which at the time was not {$2300.00}. This is beyond ridiculous. This in fact is not a duplicate. Nothing was resolved, with them adding money back into my account. The information I have attached shows proof of what I am speaking of.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CO)

Chase card services pulled my XXXX  credit file without my explicit consent on XX/XX/2018. I did not apply, or consent to this credit inquiry. It is causing detriment to my credit file. I am actually in the process of another loan, and this unauthorized inquiry may cost me an approval. Again, they have no business pulling my credit file, I did not consent.