davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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: LEXISNEXIS (SC)

Following up on contents received as a result of CFPB complaint XXXX. I am a victim of identity theft. XXXX XXXX XXXX, XXXX, and XXXX had no consent to report this alleged account. The alleged lease agreement does not permit sharing my information with the third parties. And I never consented to share any information. 
The account cant be verified due to an inaccurate and incomplete itemized account statement. How was this verified? Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate and what method was used to verify accuracy every time I disputed this account? 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any of their results, further damaging my credit score and financial reputation. XXXX deleted this fraudulent account months ago but XXXX and XXXX refuse to perform a INVESTIGATION! I am concerned that XXXX, XXXX, and XXXX are coercing me to pay a fraudulent debt by refusing to perform a reasonable investigation. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company XXXX written consent to report this alleged account.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I was alerted of a charge to my Capital One credit card account made on XX/XX/XXXX. When I checked the account activity, I saw a fraudulent purchase was made on my credit card ( my account, husband 's card ) in the amount of {$510.00} at a XXXX XXXX XXXX in XXXXXXXX XXXX XXXX I live in XXXX, XXXX  ). I immediately called the fraud line at Cap One to dispute the charge and they said it was made with the chip card ( I had cut up the card when I received it in the mail so how this can occur is beyond me ) but they would investigate. Not 24 hours later, I received an email stating there was " insufficient evidence '' that I did not make the purchase and I was responsible fir the charge. I called the fraud line again and spoke with a manager on XX/XX/XXXX who called the XXXX XXXX XXXX XXXX and spoke with a staff member there ( while I was on the phone as well ) who looked up my account ( I do have a business account at XXXX 'XXXX XXXX in XXXXXXXX XXXX XXXX  and the staff member told the Cap One manager the only activity I had for XXXX was a purchase I made on XX/XX/XXXX in the amount of {$21.00}. Despite this, because the staff member was unable to look up the credit card information, the Cap One manager told me the case closed, " her hands were tied '' and " there is nothing else I can do. '' Not satisfied with this as I am not willing to pay for criminal activity and fraudulent charges I didn't make in a state I'm not even close to, I called again on XX/XX/XXXX asking for further assistance with the matter. They sent me an email to send any documents I could to provide any evidence to make my case ( basically investigate my own situation, something they should have done for me as their customer! ). I called the XXXX XXXX XXXXXXXX in XXXX ( the store here the purchase was made ) and asked if they were able to bring up footage of that date and they said they would need a police report. I called the non-emergency line at the XXXX Police Department and filed a report for fraudulent charges and explained the situation which is now under investigation. I sent these documents to the email provided by Cap One. I am awaiting reply by the XXXX.
Consumer complaint received 2023-07-06
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2023-07-07
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX  Name : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX. 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 an 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 2023-05-02
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: EQUIFAX, INC. (MI)

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

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 2020-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WV)

IN XX/XX/2019, I was temporarily living in XXXX, XXXX. On XX/XX/2019 I sold a XXXX  XXXX XXXX Multipurpose Electrical Stimulation for XXXX Euros from my location in XXXX XXXX via XXXX.. XXXX item ID : XXXX. The purchaser paid me the amount via paypal. I sent her the item. Everyone was satisfied. I used my XXXX email address. A few days later, after the item was sent, paypal informed me that they were closing that account. Paypal did take their cut for receiving the money and XXXX also received their percentage. I had no idea why they were closing my paypal account, and they would not tell me. They said they would send me an email in 180 days and I could then access the XXXX Euros I had earned. It is now over 180 days, and I have not received the email. I called paypal, but they say that due to covid 19 they do not have any live agents. I went onto their site and their message center is not working. So there is not way to contact them. 
Paypal is owned by XXXX and XXXX uses this service and requires sellers to use it. My funds have been held for around 180 days and I can not find a way to get them. Please fix this problem since, Paypal was a subsidiary owned by XXXX. Please reach out to paypal and have them send me the funds that are currently listed as mine in my XXXX XXXX account. Although I was living in XXXX XXXX in XX/XX/2019, I am now living in the United States at the following address : XXXX XXXX XXXX, XXXX XXXX, XXXX, West Virginia XXXX
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX  Name : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX. 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 an 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 2023-05-02
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. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXXXXXX XXXX or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$590.00}, XXXX  XXXX Date Opened : XXXX  Balance Owed : {$100.00}, XXXX XXXX Date Opened : XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00}, XXXX XXXX Date Opened : XXXX  Balance Owed : {$8200.00} ; Inquiries XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXnquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXXnquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX  XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (FL)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Company Inquiries : 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 2023-05-02
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. (CA)

HELLO MY NAME IS XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED MY INITIAL DISPUTE WELL OVER 30 DAYS AGO. PLEASE REMOVE THIS FRAUDULENT INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS. 

FRAUDULENT ADDRESSES : XXXX XXXX XXXX. COLORADO XXXX, CO XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account XXXX : XXXX XXXX XXXX Account Number : XXXX, Account XXXX XXXX XXXX Appliances XXXX Account Number : XXXX, Account XXXX XXXX XXXX XXXX Account Number : XXXX, Account XXXX : XXXX Account Number : XXXX, FRAUDULENT NAMES 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 PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT CURRENT OR FORMER EMPLOYER ( S ) : GOING XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

In XX/XX/XXXX, XXXX  XXXX XXXX was serving my federal student loans. At that time, I became eligible for Public Service Loan Forgiveness with 122 of 120 required qualifying payments made and verified by XXXX XXXX XXXX. However, no further action was taken to send my information to the Education Department for discharge of my loans, a process I was told by customer service it would take 30 days for discharge after reaching 120 payments, and that I needed to take no further action. I waiting to hear confirmation that my loans were forgiven and discharged. 

However, in XX/XX/XXXX I learned my loans would be transferred to MOHELA for servicing ( email attached ). I received a welcome email from MOHELA in XX/XX/XXXX ( email attached ) as well as a loan verification document ( document attached ). I continued to wait for forgiveness. 

In the meantime I heard from others who had reached 120+ payments at XXXX XXXXXXXX XXXX that they had not been transferred to MOHELA and that their loans had been discharged. I called MOHELA in XXXX to inquire about the status of my loans. I was told that the XXXX Department needed to review my loans before discharge and to wait 30 days. I called again in XXXX and was told me loans had not been sent yet to the Education Department for review and that it could take 30 days and to call back again, that there would definitely be an update in 30 days. I called again in XXXX and was told to wait 30 days because the Education Department was reviewing my loans. I called in XXXX and was told by loans had never been sent to the Education Department for review and that they would " expedite '' the process for me and to wait 30 days. I called again today, XX/XX/XXXX after hearing no updates. The agent I spoke with today told me that my loans had just been sitting with MOHELA and had not been sent to the Education Department for review, and that I should have been forgiven in XX/XX/XXXX. She advised that because I had already reached 120+ when my loans were transferred to MOHELA XXXX that MOHELA XXXX no further action to process my loans toward PSLF forgiveness once they because my servicing. She told me that she is going to expediate my case ( although I have heard that before ). This time she did give me a case ticket number # XXXX.
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MI)

I 'm following up on the complaint I originally submitted against Wells Fargo. When they purchased my loan, according to my legal/signed HUD agreement, they were to collect tax payments to pay my taxes. They did not, nor did they notify me that they were n't paying them. They now have paid my taxes and have now raised my mortgage payment to over double what I am paying now, which I can not afford! It was their fault - THEY did n't abide by my legal, signed HUD contract - they need to spread my tax payments out over several years so that it 's affordable for me!
Consumer complaint received 2024-08-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I sent out a dispute letter letting experian and XXXX know that I didnt have a account with them. This was incorrectly put on my credit and I dont owe them. Someone could of got this is my name. 

Delete This account from ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX accoount # XXXX. 

I sent a dispute letter to experian about this account to delete THIS account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AZ)

XXXX XXXX XXXX contacted me on XX/XX/XXXX stating I have a complaint going to court for a hearing on a debt for GE Capital a company that is now Synchrony Bank. They could not give me the full account number or what type of debt it was. Stated I owed and can make a payment plan with them. When I asked more questions my answers became " we just give courtesy calls we don't know anymore information ''. When I asked for the creditors information all I got was the name. I explained I don't owe any debts as I graduated a debt consolidation program. All I wanted was more information on the debt but they refused stating I will get a certified letter for court if court happened. Company has several scam reports online and with XXXX XXXX XXXX and XXXX XXXX were my points of contact their. XXXX misspoke several times on a recorded line and XXXX states they only collect creditor names and balances and call people considering she had no more information than that to give. This company needs to be reviewed for scamming and harassment XXXX stated they have been trying to reach me since XXXX.
Consumer complaint received 2016-01-16
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NC)

I have an account with Wells Fargo and I used to have a Credit card merchants with them. I closed the account on XXXX. I ' m no longer accept credit card because I do not have need for it anymore. I called Wells Fargo Bank in numerous occasion and complaints about it. they do not care I have been charged overdraft fees for no reason because of the credit card machine I cancel and I do not have any contract with them anymore. I have a tremendous stress on me now because the burden financial situation they put me in
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

I attempted to use my TD bank Visa Debit card as I usually do on Monday XX/XX/23 but each transaction was denied/declined.I could not withdraw money on my Checking account which is a Direct Deposit account for my Social Security account disbursements.I contacted the bank and they alleged that some unidentified party had made a charge on my account in the amount of {$190.00} and that they had attempted to contact me.I was curious to know how they ( TD bank ) new of a discrepancy in the charge without my telling them to conclude that my account should be put on hold..They had access to my Cell phone and my email address and did not attempt to contact me to my knowledge.My previous experience with them indicates to me that they would not give me that type of accommodation in their servicing of my account. 
TD Bank insisted upon deactivating my debit card without giving me Legal notice resulting in significant detriment to my account and financial situation.I notified Customer service after being informed of the discrepancy by them and told them that I would be visiting the Bank 's branch office in the XXXX at XXXX XXXX and XXXX XXXX XXXX and was told by them that I would have no trouble getting a new Debit card.I met with the Manager " XXXX to get the card but he refused to give me the card, saying that they could not verify my account through my cell phone and alleged that he would mail one to me instead.This whole tenuous situation could have been avoided if TD Bank would have adhered to proper Banking Notice requirements.
Consumer complaint received 2023-05-11
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. (OH)

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts i am talking about are listed below : Delete all accounts immediately : 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