davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
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: DISCOVER BANK (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Discover Financial, XXXX XXXX XXXXXXXX, and XXXX. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}. The Account Opened is XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

As stated in numerous prior CFPB complaints against Wells Fargo, I was offered a payment in the amount of {$3700.00} for damages caused by accounts opened by Wells Fargo reps which I did not need or want. Their reasoning for opening these accounts is for bill pay use. Realistically, only one account is needed for bill pay which I had one account opened at the time, Wells Fargo reps used same line, " I notice you make quite a few bill payments, have you considered opening a second account for bill pay '', something along these lines.. I was later offered an additional amount of {$500.00} via phone mediation, no payments received to date. I believe payments were sent to my old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I moved from this address in XXXX of 2020, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo has replied in part by sending me mediation request forms, which were filled out and later denied by Wells Fargo reps.. They referred to a letter sent to my old address which they claim was signed by myself, agreeing to the {$500.00} which was not received and not adequate. Neither payments were received to date, {$3700.00} or {$500.00}. Further, the form they refer to was sent to old address, not received or signed by myself. Since it was not received or signed by myself, Wells Fargo reps can not refer to it as basis for denying mediation and or issuing payment ( s ) they offered.
Consumer complaint received 2024-10-21
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2017-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (TX)

This company nam ed National Services c alled my husband on  XXXX   XXXX   XXXX  at  XXXX    XXXX   CST from phone number  XXXX . They called saying we owed for a medical bill of {$250.00}. They did not say who the doctor was, and they attempted to pressure us into giving them contact information. We told them we did n't know what they were talking about, since we have no outstanding medical bills and that they needed to send it in writing. They said they did, but we have never received it.  <P/> It is possible that a  XXXX  we did business with is fraudulently trying to collect on money they refunded to us in  XXXX   XXXX  over a dispute. They fraudulently attempted to charge our insurance company (  XXXX  ) for the amount they refunded but were denied payment. They never sent us a bill. I will not contact that  XXXX  about this because we do n't trust them, that was the dispute we had with them, and they refunded the money, thus admitting they were in the wrong. Their contact information is :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , UT  XXXX  Phone : (  XXXX  )  XXXX
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2021-02-11
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: Consumer Portfolio Services, Inc. (MD)

On XX/XX/XXXX XX/XX/XXXX and XX/XX/ 2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Upon viewing my credit report, I noticed hard inquiries from companies that were not authorized to check my credit. Listed below are the dates and names of companies that checked my credit without authorization. 

XX/XX/2019 : XXXX XXXX XXXX XX/XX/2019 : XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Auto Finances
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WA)

I applied for Barclays XXXX XXXX XXXX and for my first payment through Fund transfer. 
The fund transfer went through fine but they then 2nd day they said the payment was reversed, Unfortunately, this bank did not have a fund verification system in that place to validate if my account was correct. I tried the 2nd time and they did the transfer went through but next day it said payment return I had more XXXX money in bank account so there is no issue of no funds, I am not sure if i mistyped or not because the numbers were blanked out and they did not have a system to a verification. Both the times {$39.00} were charged as return payment fee. When I asked why this was charged and how this could be my mistake when the payment went through both times but charged against me. and they did not even respond to my request online and when I called the agent and her supervisor they were rude to me and was using disrespectful words such as you don't have money u dont pay and stuff. 

Finally, I used a different bank to pay and the payment went through. 

I asked three things a ) why they did not have a bank check option and send a paper statement b ) Why they did not have a payment verification system ( sending 2 small amounts to verify ) c ) Why did they not account show the number after payment was made With all these faults, they still blame me for and charge the {$78.00} as fees.
Consumer complaint received 2020-06-12
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. (LA)

This agency is reporting inaccurate information to my credit file associated with trade line XXXX XXXX ; I have no idea who this company is on my credit report. 

I didn't receive enough information to verify the debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could mail, fax, email in a fraudulent account.
Consumer complaint received 2021-02-11
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 (LA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Consumer complaint received 2020-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A. (PA)

As of XX/XX/XXXX, PNC still advertises connectivity with XXXX yet trying to connect my XXXX account to my PNC account gives me a message that PNC has changed their settings and no longer allow for connectivity.
Consumer complaint received 2021-02-11
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

My name is XXXX XXXX and I opened PayPal to process payment and receive payment. 

My email on Paypal is XXXX However PayPal locked my account and asked for certain information and after I provided the information PayPal said they would review and unlock the account within 1 business day. 

However, it's 15 business days already and PayPal has not unlocked my account. 

Because of this, it has really affected me from receiving payments from friends and family and I believe PayPal will put things right and unlock my account as my account isn't a risk to Paypal internal security
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Because of the pandemic I had to file for unemployment assistance. I openeb my EDD acct. on XX/XX/XXXX, my claim was retroactive to XX/XX/XXXX which ment I would receive a large inital deposit to my Bank of America EDD prepaid debit account. Because of the large volume of people appling for unemployment I was informed it could take 4 to 8 weeks to confirm identity and that the claim was legitament. I never received my BofA EDD debit card and sent 3 emails to EDD through my UI online account. At the time it was impossible to reach Bank of America or the EDD by phone and speak to an actual person. After weeks of trying I finally was able to get a BofA EDD replacement debit card through their online site. I received the caed on XX/XX/XXXX, when I activated my card I found out {$12000.00} had been taken from my account. I contacted BofA to report that the first card they sent me had been stolen through the mail and that {$12000.00} was missing. They took my report and opened an investigation on XX/XX/XXXX and credited my account {$1500.00}. On XX/XX/XXXX they said my claim had been resolved for {$1500.00} and the claim was closed. For the mext few months I tried to reach BofA through USPS, EMAIL and telephone without success or reply. On XX/XX/XXXX I finally got through by phone and opened a new claim, I received a letter from BofA on XX/XX/XXXX stating that my claim had been denied because of fraud or suspicious activity on my account. My account was immediately closed locking me out of all my money in the account, the account is still locked as of today XX/XX/XXXX. On XX/XX/XXXX I sent a package via USPS certfied containing a 3 page letter explaining my situation, a police report, my emails with EDD, copies of the deposits to my account from EDD and copies of email sent to BofA. I also requested all documents related to my claims and account, I have not recived anything back from Bank of America.
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I keep getting a phone call from Portfolio Recovery. I have no outstanding past due debts. They are not giving any information but keep trying to collect or verify information. I do not give them any information and they still continue to call for no reason. I have checked my credit reports and have no outstanding or incorrect information in my report. I want these calls to stop I am receiving 1to 2 calls a day.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

your agency gives teh telephone number XXXX to call to get a free credit report. when i called tonight wednesday night about XXXX to XXXX XXXX  i got a robot that said i could get a free credit report if i replied to their questions. so i spelled out my name, address, telephone number, and all those questions. then we got to my birth date.i am a senior citizens. they said put it in 2 digits for month, 2 digits for day and 4 digits for year. i put all those in and it would not accept my birth year XXXX. this is discrimination against senior citizens. i am asking this federal agency to immediuately get after this company for discriminating against senior citizens. i would like all 3 report from all 3 companies but look at the XXXX they put you through. i lost getting this report tonight because they have not programmed their robot correctly. will you help me please. i am so distraught over this. i want my free credit reports from all 3 companies, but this one i started with is discriminating against me becasuse of my age.
Consumer complaint received 2021-02-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

We ( the borrowers ) have been trying, unsuccessfully, to remove the mortgage insurance, aka racket ( PMI ), imposed on us by our loan servicer/lender. Our home exceeded the value required ( we have over 20 % equity in our home ) according to all major market analysis, mortgage lenders, and recently sold neighboring homes. We have written letters ( four so far ) asking the loan servicer to stop with the racketeering only to be asked to pay more money if we wanted an " internal appraisal '' ( {$900.00} + Brokers opinion!? {$350.00} ) conducted with no guarantee of PMI removal. The amount the servicer is asking for exceeds the amount we would save within one year of PMI removal.

Lender ( s ) are making a lot of money as is, but it seems that it's never enough. They need to squeeze the life out of homeowners/borrowers. It's the American way. The previous administration wasn't very " people-oriented '' and was making sure that the rich get richer, by any means available. Let 's see if things are any better these days and you take the side of " little guy '' for once.
Consumer complaint received 2020-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Above named Portfolio Recovery purchased XXXX  account and continued to harass me after I told them many times - this debt did n`t belong to me. 

XXXX XXXX filed lawsuit against me on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Case NO XXXX XXXX Account was previously owned by XXXX. 
XX/XX/2020 I received a letter from XXXX  that the account was fraudulent and decided in MY FAVOR that I don`t owe THIS debt. 
I am requesting that Portfolio Recovery Associates removes the summons from the XXXX XXXX XXXX XXXX. 
I am requesting a letter of apology and that the collection account is CLOSED,
Consumer complaint received 2020-06-12
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. (TX)

On XX/XX/XXXX I reviewed my account with XXXX  and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX is reporting on all 3 major credit bureaus.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc. (MI)

I have a cash app account that was for unemployment I got paid my back pay no problem it was over XXXX well then they tried to put that same amount in my account but took it back then I had my sister in law send me XXXX she owed me and my unemployment got out on it well then they closed my account wont let me get my funds I have XXXX in the account I have emailed them and done everything they will not give me my money and I need it I am a mom of XXXX and have tried to do every thing
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (OH)

As a Veteran and new mother I use apps that allow me to borrow money when needed for main necessities for my newborn daughter. PNC has changed their policies blocking and preventing me to use apps such as XXXX and XXXX that allow me to borrow money in emergency needs. This is not how banks should operate. PNC NEVER offered me any loans or credit in order to suffice to my emergent needs! If banking systems continue to do this I will be forced to withdraw all of my deposits made by the Department of Veterans Affairs and purchase short term bonds from the Department of Treasury so that my needs of having extra income. Because I am a XXXX Veteran I find that the banking institutions should and will no longer be able to use my money in advance to loan it to other customers!! If this continues I will request the VA to send my money to a separate account such as XXXX XXXX or XXXX because these corporations know how to treat me!!
Consumer complaint received 2020-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC (VA)

My HIPPA rights have been violated and I have not received any documentation from this agency regarding this account from Miramed Revenue Group. They are reporting on my credit report a balance of {$110.00} and due to Covid-19 I can not afford to pay this bill or any others that I am not aware.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-06-12
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 
DEPTEDXXXX {$3000.00} DEPTEDXXXX  {$4800.00} XXXX {$250.00}