davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
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: MicroBilt / PRBC (formerly CL Verify) (PA)

XXXX Credit File XX/XX/XXXX Information # XXXX has on page 10 of 18 Inquiries that may impact your credit rating/score in which I have showing a company XXXX XXXX : XXXX XXXX XXXX in which I have no given any consent or sign any document for or to obtain credit. This is pure fraud on the stated company being XXXX XXXX : XXXX XXXX XXXX and XXXX being that I opt out in XXXX XXXX XXXX that company or companies doing inquiries with out my consent and XXXX allways trying to justify there actions while doing fraud with no real reason and at the same time effecting my credit due to fraud and wreckless errors on and by XXXX has error after error that inpacts my credit score and has or needed to be corrected or I'm in the process of taking this to court for damages and error after error with out my consent.
Consumer complaint received 2019-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TN)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I opened the account with my business corporate filings and personal information while adding backup XXXX  XXXX XXXX account that was also verified. I sold one of my personal items on a different site and used PayPal as a form of payment. Everything went smooth until I tried to make a transfer to use my card on the account and PayPal actually blocked me from using my account and the put the account on hold without asking to verify the business again when it was already done. Then PayPal asked for a receipt for the item I sold on marketplace when it was a personal item and that isn't required to expose your manufacturer.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

While I was with wells Fargo they would overcharge me overdraft fees and also charged my account multiple over draft fees when the purchase would have been covered if not for the original bogus overdraft fee. This happened several times and caused me lots of stress and money for nothing I closed my account because of these issues.
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2019-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MD)

On XX/XX/2019 at ( i ) XXXX XXXX ET, and at ( ii ) XXXX XXXX ET, two fraudulent unauthorized EFT debits for {$2000.00} ( Transfer Amount ) + {$5.00} = Total {$2000.00} were made by the operatives of Western Union Financial Services , Inc., XXXX XXXX, XXXX, CO XXXX. Western Union Tracking Numbers ( MTCN ) for the two EFT debits  are XXXX and XXXX, as can be seen in the attached documents. The first EFT debit was successful, meaning {$2000.00} debit EFT was posted to my XXXX  XXXX XXXX Checking Account at XXXX XXXX   and money paid out XXXX XXXX  in XXXX, XXXX. The second EFT debit was not posted to my checking account by about XXXX XXXX, and lateron cancelled after I spoke with Ms. XXXX and Ms. XXXX, Operator ID XXXX of Western Union between XXXX XXXX and XXXX XXXX. Western Union 's Dispute/Fraud Reference # for both fraudulent MTCNs is XXXX for the two unauthorized EFT debits ( MTCNs ). I contacted XXXX County Police and have communicated this incident to a Police Officer. I contacted XXXX XXXX XXXX four times, 2 times over phone, and 2 visits to local branch. During the fourth contact by telephone call between XXXX XXXX  and XXXX XXXX, XXXX  XXXX XXXX representatives were able to stop the release/payment of {$2000.00} from my Checking Account to Western Union for XXXX XXXX. Today, XX/XX/2019, XXXX XXXX, I have received Western Union 's Scam/Threat e-mail that the {$2000.00} paid out by them within 2 minutes of EFT debit transfer on XX/XX/2019 will be referred to a Debt Collection Agency, since they were not paid {$2000.00} for the fraudulent debit EFT. I have reported these to you ( CFPB ) in the morning on  XX/XX/2019, between XXXX XXXX  and XXXX XXXX. I am providing you details with document attachments via this website and written compliant by me. Please investigate the above fraudulent activities by the operatives of Western Union, or in collusion with them by what appear to be XXXX Speaking persons ( since, when I called this afternoon,XX/XX/XXXX and pressed the MTCN XXXX after calling XXXX, I heard XXXX-like gibberish talk, and the phone connection got disconnected, twice ). This is the whole story so far. Please investigate.
Consumer complaint received 2019-12-06
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: EQUIFAX, INC. (OH)

I PAID OF MY XXXX LOAN EARLY. NOT ONE MISSED PAYMENT ON MY REPORT. EQUIFAX DROPPED MY SCORE BY 69 POINTS AFTER XXXX REPORTED THE ACCOUNT PAID IN FULL/CLOSED
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have sent several communications to the credit bureau and creditor and I have called several times for them to delete the late payments due to the inaccuracy. But the information is still showing on my credit report. Even though they have stated they would be removed.
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: 1st Franklin Financial Corporation (LA)

The company called First Franklin Financial services in XXXX LA on airline Hwy threaten to garnish my wages. I never got a loan from this company.never signed any paperwork I think this is my ex husband debt I been legally divorced for 2 years. I have no loans with this company.
Consumer complaint received 2019-10-08
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. (AR)

As a result of your findings. I still have not received any contract and/or agreement with my signature on it. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX XXXX  XXXX XXXX XXXX Or Delete It! 
" DELETE XXXX XXXX XXXX '' Or Delete It!
Consumer complaint received 2019-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

My paychecks started being garnished for this PHEAA school loan on XX/XX/XXXX the amount owed was at that time was XXXX ( see uploaded documents. ) My employer closed its doors in XXXX I notified AES and XXXX XXXX, XXXX of the job loss.. I started my next job at XXXX XXXX in XX/XX/XXXX I contacted the AES company that was handling my loan and they informed me that i have not payed any PAYMENTS on the account even tho I FORWARD them the EMPLOYER ACKNOWLEDGEMENT OF WAGE WITHHOLDING form that I and my boss signed they said I had no payment on file and my loan was sent back to the PHEAA. On XX/XX/XXXX I received a NOTICE PRIOR TO WAGE WITHHOLDING from XXXX XXXX XXXX for the amount of XXXX. I contacted them right away and spoke to a customer service representative named XXXX we agreed to a repayment agreement threw the rehabilitation program my REF # XXXX. I paid the required monthly payments and was awarded COMPLETION OF LOAN REHABILITATION PROGRAM from the PHEAA ON XX/XX/XXXX I contacted the PHEAA to ask about payment and where to send them the PHEAA told me I would be contacted by XXXX and that's who my loan was sold to I then asked about the PHEAA taking that loan off my credit report but it never did they just closed the account. So months went by and on XX/XX/XXXX..i received a monthly statement from XXXX. But in XXXX OF XXXX I WAS INVOLUNTARILY FIRED FROM MY JOB AT XXXX XXXX AND I FEEL ON TRAGIC TIMES I JUST STARTED WORKING AGAING FULL TIME IN XXXX OF THIS YEAR SO I HAVENT EVEN BEEN WORKING A FULL YEAR YET AND I WANA NO WHER DID THE FIRT GARNISHED PAYMENTS GO I HAVE DID MORE THAN COOPERATION TO GET THIS TAKIN CARE OF BUT IT SEEMES LIKE EVERY TIME I TRY TO GET A GOOD START ON PAYMENTS IT GOES BACK TO PHEAA AND BACK TO DEFAULT I DID MY PART OF THE PROGRAM THEY DID NOT DO THEY PART AT ALL SPECIFIED IN THE AGREEMENT I THINK I SHOULD BE ABLE TO START THE PAYMENT AT WHAT XXXX HAD IT AT AND PHEAA should clear my credit REPORT
Consumer complaint received 2024-08-26
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 received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$XXXX}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It's not my account, i never applied for it, i never received any benefits from this company. 
i didn't sign any contracts or agreements, they don't have any documents to proof that this account belongs to me. I was victim of Identity Theft, somebody stole my personal information.
Consumer complaint received 2019-09-05
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: Experian Information Solutions Inc. (IL)

I just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.
Consumer complaint received 2019-12-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (CT)

I would like to report a fraud on my escrow account.I would like to know whether you CFPB are you able to make decision in this matter or I have to report this issue to the FBI. 
substantiation : they never add a money {$4000.00} from sectionF/prepaids/on closing details sheet, to my escrow accont.The {$4000.00} dissapeared.There is also very difficult and completly incomprehensible system how they count a total loan value.They also do not make full payment od 3.5 % od downpayment in spite that I paid for this. .There is a big diference beatwen a purchase contract/see copy/ and what I signed at closing.I have told that every thing from purchase contract will the same on closing day.But was not.The change everything.
Consumer complaint received 2019-10-07
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: OPORTUN FINANCIAL CORPORATION (CA)

OPORTUN INC./PROGRESO FI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2019-10-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LEXISNEXIS (MO)

Contacted lexus nexus about a reoprt that was given to XXXX XXXX and then contacted about the wrong the wrong info submitted. They also went against the federal DOT laws put down by the FSCSMA for commercal drivers to correct the problem along with with noot providing the consumer with the reports given out that individual provided to an insurance company along with not providing the consuner after verifying that person as so anlong with by there there own procedures and the rights of the individual for a copy of said reports. Formal request ade to lexus nexus of all reports given to be sent to individual ( recodered and company was notified in orcdance to statues and laws followedas heard in recordings of phone calls and non willingness to follow consumer rights to provide such info ) has lead me to this course of action. Lexus nexus that reports DMV records has not reported the corect info and also has not only caused significant increase in insurance costs due to improper reporting even by there own admission they continue to dereguard federal FMCSA and individual rights. This company needs to be investigated in false reporting and activtivley violating FMSCA rules and regulations for commercial trucking industries. The abuse of power and the fact they can violate federal laws put down by the FMCSA needs to be investigated and set right. They should not nor be tolerated to interfere with federal law and cost of higher pricers to the comercial driver and the inteterferiance of commence as put forth by the FMCSA and the laws put down by the federal goverment. This problem needs to be addressed and our rights as individuals need to be protected even if we drive the big rigs. We are not cash cows. We work long hours and do not deserve higher rates due to improper reports and disregard to federal regulations put forth by the FMCSA. Recordings avalible of conversation upon request. Yes company was notified about recordings about conversation being recrded to agent and that we were being recroded adout the call being recorded for training purposes. This means both parties have recrdings. My question is can a reporting company get away with false reports just to rip off the customers and when they are confronted they are still allowed to get away with it? Lexus nexus makes us jump through hoops however they seem ( and get away with reporting true motor vehicle reports ) and nothing is done even with there own rules and guide lines. Time for you all to step up to the plate. What lexus nexus is reporting to the insurance company 's needs to better regulated.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

For at least five years or so, my minimum payment was {$25.00} a month. All of a sudden, as of XX/XX/2019, my minimum payment has been increased by {$10.00} for a total of {$35.00}. This was done without explanation or notice. I would like my minimum payment to be set to {$25.00} like it was ; and if not, explain why the increase has occurred.
Consumer complaint received 2019-09-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY (GA)

Purchased a used XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX, XXXX, GA. 
Selling price XXXX I put a down payment of {$2000.00} towards the car.. I can not see where I was credited for this amount. I thought this would have been deducted from the selling price before all the extra charges were added. It was not done that way. So when they added on the extra charges, plus finance charge of {$4600.00} amt financed is {$16.00}. Finance rate 7 % My mother and I thought they would have deducted {$2000.00} from selling price XXXX + tax, reducing price to {$10.00}, before adding on the extra charges. So I took the car back 2 or 3 days later, spoke to manager told him I can not afford car. They can not cancel loan. But offered to buy back car, and appraised it for {$11.00}, told me can not return my {$2000.00} down payment. 

So now I am stuck with a loan of 75 payments at {$280.00} monthly, I can not afford from a monthly XXXX income of $ XXXX monthly. Please help me understand this.
Consumer complaint received 2019-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX, the most fraudulent credit reporting agency on the planet, Transunion, and XXXX are reporting fraudulent hard inquiries on my credit report. They are claiming that these companies received my authorization to check ( inquiries ) my credit. The attached are reports from XXXX XXXX. I have placed a check mark beside the companies that did not have my authorization to check my credit. 

I have not requested services from these companies. There are also check marks beside companies that have placed fraudulent debt on my credit report. XXXX XXXX XXXX XXXX has placed a fraudulent debt on my credit report. XXXX XXXX has placed a fraudulent debt on my credit report. PAY ATTENTION TO THE CHECK MARKS. 

My name is XXXX XXXX XXXX. My name is being inaccurately reported by XXXX. They are also reporting fraudulent addresses. The fraudulent addresses being reported are : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX I am frustrated by the constant barrage of fraudulent information credit reporting agencies are allowed to put on my credit report. They are checking my credit at their discretion. This is ILLEGAL!!! I have not authorized these inquiries. They should not be allowed to place fraudulent information on my credit report without my consent. Companies are taking advantage of the white privilege they have with consumers credit report. Their actions should be illegal.
Consumer complaint received 2019-10-08
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: EQUIFAX, INC. (MO)

The following accounts are not mines and belongs to another inwhom made me a victim of identity theft/ fraud. I'm demanding either I be provided with physical documentation such as my signature, id, etc as it relates to these accounts, or please remove and block these fraudulent accounts immediately. The accounts being disputed are. 

1, XXXX {$1300.00} 2. XXXX {$1900.00}
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THESE ACCOUNTS HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND NAME. I HAD NO KNOWLEDGE THAT THESE ACCOUNTS WERE ON MY CREDIT FILE UNTIL I RECENTLY PULLED MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2019-10-07
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: Experian Information Solutions Inc. (WA)

On XX/XX/2019 I sent a letter to Experian asking them to verify the process they use to verify that two accounts included in my credit report. I asked them using the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ), that allows consumers to ask for the description used to verify the information is being reported correctly, I told them that a computer response from XXXX was not acceptable, they responded on XX/XX/2019 with an XXXX response, I asked them to remove the incorrect information and they did not. On XX/XX/2019 I wrote the same letter to XXXX, see attached letter and they responded the same as above with one letter for the Chapter XXXX, they removed the Chapter XXXX BK, On XX/XX/2019 I wrote the same letters as above to XXXX   and they never responded, see attached letters written to XXXX.