davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
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. (GA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

On XX/XX/2021 I deposited 2 checks at Citi Bank totaling {$320000.00}. After 4 days my funds were still not available in my account. I phoned Citi Bank to find out why and was informed that the funds were flagged for fraud and they required more information. They requested the phone number associated with the maker of the checks. I provided them with the information but they told me that those weren't the phone numbers they found in their database associated to the business that wrote the checks. I spoke with the maker of the check and they confirmed I provided the correct number. Citi won't tell me what phone number they are trying to call and that is the only number they will use even though it is nearly not the correct number. I requested the funds be returned to the maker but they refused to do that as well and said they will hold the funds indefinitely until they can get in contact with the maker of the check through the number they have on file. This has been going on for 3 weeks and they still won't release or return the funds.
Consumer complaint received 2021-11-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Strategic Funding, Inc. (FL)

I took out small {$1000.00} loan 2 years ago. I have paid the payment back faithfully for 2 years. So Ive paid over {$3000.00} back on a {$1000.00} loan. I was completely shocked to learn that I still owed Jacksonville Title more than what I originally borrowed 2 years later. I wrote them letters & emails explaining that we are having a hard time financially. My car has been in the shop 3xs in 2 months with the mechanic fees being over {$3000.00}. We also had to start helping my sister in law pay for care for my husbands mom with XXXX. My husbands work truck was wrecked & we are having to pay out of pocket to have tons of body work done -close to $ XXXX-so he can work. My daughter is graduating high school early and have had a lot of college application fees that we did not expect this year. Many things in our life has caused us to be struggling financially a little. The truck that was repossessed was our only working vehicle at the moment, it had a lot of my husbands work supplies in the bed & back seat. It was the only transportation I had to take and pick up my kids from school & after school activities, as my car is in the shop being repaired. the title company took it anyway even though I pleaded to please give me some type of deal on getting loan paid. I really can not believe companies are allowed to do that.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IL)

I have disputed with XXXX 's XXXX and Synchrony Bank about a card that does not belong to me but it had my name attached to a different address, and different card number that they are saying I owe. I own a card that I pay on time faithfully every month. I started trying to fix my credit and trying to address the issue but not having any luck. Below are some of the key points pertaining to this card * Seems there were 2 numbers which are associated with this card but don't match the card I own XXXX XXXX * It seems as though Charges were made over the internet mostly *Address is different/ card number is different *How did bank let card run up to XXXX? 

* Transactions shouldve looked suspicious from my normal use * Who called in to make a XXXX payment? 

* Why wasn't I notified of any unusual behavior? 

* Dispute Letter was sent and no proper proof was sent back accept a statement of transactions saying I owe. 

I will also send docs over to verify proof of everything.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I am writing to formally dispute the failure to block adverse information on my credit report, as required under Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of XXXX XXXX, I submitted a XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2024, via certified mail, which included all required documentation to support my request. 

Despite the receipt of my certified mail submission, Equifax has failed to comply with the regulations by not blocking the adverse information from my credit profile within the mandated timeframe.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I am an XXXX  with an XXXX account with Wells Fargo. I recently discovered that someone has been paying their phone bill with XXXX from that trust account. They are not authorized to do that. I am the only authorized signer on that account. I contacted Wells Fargo and I assume the money will be put back in my account. That is NOT why I'm contacting you. I asked Wells Fargo to set up my account so no further electronic withdrawals or transfers can be made from that account. They refused to do so, claiming that it couldn't be done. That is not true because XXXX XXXX  has that option on XXXX accounts. So it's not that Wells Fargo can't do it, it's that they won't do it. 
The purpose of this complaint is to get the CFPB to force Wells Fargo to allow customers with XXXX  accounts to lock out any electronic transfers/payments.
Consumer complaint received 2021-11-08
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (GA)

Attempted to deposit a remittance from my cell phone provider to Chase. The bank teller informed me that she could not accept the remittance.. I spoke with a Chase customer service representative via phone call and she explained to me that i was indeed correct and Chase could and should accept the remittance. I then called my cell provider to assure i was handling the process correctly and they informed me that i was handling the process correctly. I then called Chase again, to explain the process before i attempted to visit a branch again. A customer service rep by the name of " XXXX XXXX '' told me that it is at Chase 's discretion on whether or not they accept remittance. I explained that according to CFR if the bank is FDIC ensures then you have to follow the Code Of Federal Regulations ... .i was then met with resistance and i was told that Chase does not have to follow Federal Law if their policy says they do not. Federal regulation is as follows 12 CFR 204.2 ( 1 ) Deposit means : ( iv ) Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ;
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I received a letter from The Collection Firm of Franklin Collection Services INC. The letter is an attempt to collect a debt from a creditor called XXXX XXXX XXXX XXXX. I have no idea of this {$880.00}, in debt that this company is trying to collect. I havent go into an emergency hospital since I was back in XXXX XXXX. I surely know that this debt is not mine or theyre trying to maliciously make money in a situation like the one were facing right now, COVID-19.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2024-08-26
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. (TX)

I am writing to follow up on the disputes I have previously submitted regarding several negative items listed on my TransUnion credit report. Despite my previous attempts to address these issues, the inaccuracies and invalidities remain unresolved. I am requesting immediate action to correct these errors.
Consumer complaint received 2021-11-08
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: Experian Information Solutions Inc. (GA)

Bureaus have lied to me and not done due diligence to verify the account in dispute. There is a bankruptcy on my credit report that should have been removed. I have filed a letter with the United States Bankruptcy Court XXXX  District of Georgia office of Clerk, concerning this bankruptcy that is falsely being reported on my credit report. I received a response back from the courts stating that they did not report any bankruptcy to the credit bureaus and for me to contact a lawyer for further actions. With this bankruptcy that is being reporting on my credit report, has caused me and my family distress, and a financial hardship. I have tempt to send several letters to each credit bureaus requesting for them to update my personal information, concerning my address and employment but each credit bureaus refused to comply with my request. I have also requested for them to remove the bankruptcy out of each credit bureaus which they also failed to comply. I am being denied for business loans, personal loans and etc ... due to this bankruptcy being reported to potential lenders. With all I have done to try and get this matter resolved so I can move on with my life, the credit bureaus are still reporting false information on my credit file. I am now at the conclusion on filing a law sue with small claims court willful ennoblement of inaccurate/un-verifiable credit reporting, if this matter doesn't get resolved in the next 30-40 days. Thank you for your time and consideration and I look forward to getting this matter resolved as soon as possible.
Consumer complaint received 2021-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have written, called, and submitted evidence to ALL 3 credit bureaus stating the charge off accounts and inquiries listed on my credit report and of fraud. They have not removed these items even after verbally agreeing to remove them. They are consistently lying to me and I am fed up. I have been a victim of TRUE NAME IDENTITY THEFT AND THIS IS A NIGHTMARE! PLEASE HELP.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my credit.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. ONLINE IN SV account is mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, remove this collection account immediately.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (SC)

XX/XX/20 Dear to whom it may concern, Thanks so much for contacting me and bringing this matter to my attention. I want to get this matter taken care of as quickly as possible. To whom it may concern, I recognize your monthly statement is an offer for me to pay the bill. And I am happy to pay it immediately upon you providing me proof that my signature and note did not pay my account statement in full at the time of closing. By the way, To whom it may concern, please feel free to take me to court because there, I am sure the judge also would love to see your proof that the account was not fully paid at closing. One more thing, To whom it may concern, I noticed your monthly statement had an all caps name on it. That is not my name as my name is written in an upper- and-lower-case grammar style. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine.
Consumer complaint received 2021-11-09
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. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 60 days!!! When I call to check on each respected document with each bureau, I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 6 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

My XXXX  came back lower than the value of my home. My home is a XXXX XXXX house XXXX bath home but my apprailsal only show my home as a XXXX bedroom XXXX bath house.My name is XXXX and the report only shows my name as XXXX also.
Consumer complaint received 2021-11-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-11-08
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 (CA)

I got an email today ( XX/XX/2021 ) from PayPal saying that they decided to permanently limit my account as they found potential risks associated with my PayPal account. I called customer service immediately and tried to understand why and how this happened. The representative said that based on the note in their system, it was because of a transaction, but the representative could not provide more details and said he could not help me. I asked him for other ways to get the issue resolved and also tried to understand what exactly happened to my account. The representative transferred my call to his supervisor and the supervisor told me this was due to my recent transaction with XXXX XXXX XXXX. The supervisor helped me to write a letter to the department responsible for getting this issue resolved. However, I got an email saying the same thing that my account was limited permanently after their review. I don't understand what happened and why this happened.
Consumer complaint received 2021-11-08
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. (GA)

On XX/XX/XXXX I sent a dispute letter to the all credit bureaus XXXX, XXXX, Equifax regarding the following accounts. 
- XXXX XXXX XXXX- this is not my account- {$4900.00} - XXXX  - this is not my account- {$11000.00} - XXXX  - this is not my account- {$9600.00}
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I am writing to formally lodge a complaint regarding several unauthorized inquiries on my credit report. Despite not granting permission for these inquiries, they have been recorded and are negatively impacting my credit score. These inquiries are not only unauthorized but also a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit inquiries must have a permissible purpose. The presence of these inquiries is unjust and detrimental to my financial health.
Consumer complaint received 2021-11-08
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: Experian Information Solutions Inc. (TX)

I have disputed multiple times on incorrect items that are on my credit report with XXXX, Experian and XXXX and it has taken well over 30 days of me not receiving any investigation results.
Consumer complaint received 2021-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed multiple times on incorrect items that are on my credit report with XXXX, XXXX and Transunion and it has taken well over 30 days of me not receiving any investigation results.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the inaccurate inquiry reporting on my Credit Report : XXXX Inquired on XX/XX/2020 2020
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TX)

This has happened twice. I submit my payment. According to the card company, the payment doesnt go through and they did not notify me of any issues prior to the due date to allow me to submit another payment or even explain to me why that payment didnt go through so I can deal with the bank. The first time I didnt get a screenshot so I had no proof of submission. However, the second time I did. I called them and complained about the effect their laziness has on my credit and here we are, my credit has fallen 175 points. Yet Ive never actually made a late payment. And it concerns me that when I call them, Im basically told that because they didnt take the payment out, that I didnt pay it. Theyve added remarks to my credit report and refuse to do their part in looking in to reported issues.