davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-04
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

Call me if u can help me wrote a long story and just got erased have all proof I never opted in to I overdraft protection which policy states I had to in order for them to do with they did lost XXXX XXXX credit score now have XXXX XXXX and in the by XXXX their error phone XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Want all accounts caught up along with credit score fixed a d I will.pay on credit card still once they fix it.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from the advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX -Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days. pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all the needed documents as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (KY)

Im currently homeless and Ive had people send me money on Venmo to help me. {$170.00} total. I tried to transfer the money to my PayPal account and PayPal kept saying my last 4 digits of my phone number was incorrect. I changed my phone number to my new phone number and tried again and PayPal still kept saying my last 4 digits of my phone number was incorrect even tho I JUST changed it. I woke up the next day and VENMO had suspended my account. I sent them an email and chatted with 3 different people on 3 different days and my account is still suspended even after Ive submitted my photo ID and a photo of me holding my photo ID.
Consumer complaint received 2024-09-11
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. (SC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NE)

These are from my XXXX Credit report These Previous Addresses don't pertain to me 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
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: EQUIFAX, INC. (NC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2021-02-10
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: Professional Debt Mediation, Inc. (FL)

Professional Debt collection is or has never been my responsibility. This is for apt . belonging to XXXX XXXX since XX/XX/XXXX. I lived there since XXXX as his caregiver only and was never asked nor asked to be added to the lease but was only listed as occupant. I was coerced by apt . office to sign renewal for XXXX on his behalf with me being listed as occupant. XXXX went to XXXX home apt was vacated XX/XX/XXXX. i feel that they thought he would not be getting out of XXXX home tricked me in to " signing lease for and on behalf of XXXX XXXX '' thereby which in fact added me to the lease. I was only an occupant as a live in caregiver for him from XX/XX/XXXX - XX/XX/XXXX, he was the only responsilble person for any and all payments to this apartment. Please remove this derrogatory, incorrect erroneous information from my credit file.
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FULTON FINANCIAL CORPORATION (PA)

I called and asked what my mortgage goes up every year due to fees. The rep didnt know and said it was a mistake. I asked why has this mistake has been happening for 2+ years ( {$120.00} extra for this year on every payment and {$100.00} for the previous years payments ). The rep said they must be late fees but couldnt provide the late payments. She then said theyll be taken off for next months payment. When asked if Ill be receiving the multiple years overage, she said no. When asked why I was charged these fees over several years, she said she didnt know and would call me back today. They didnt so Im filing a complaint agains Fulton Bank as Im sure they are fleecing others as well with the hidden fees.
Consumer complaint received 2024-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing to address a concerning discrepancy regarding my auto loan account, number XXXX, which has been causing considerable confusion and frustration. 

Attached, please find a letter dated XX/XX/XXXX, referencing the aforementioned account and indicating that my auto loan was paid in full. Following receipt of this letter, I contacted Bank of America and was assured over the phone that the loan had indeed been settled, and I would receive the clear title imminently. 

However, despite these assurances, the title never arrived. Upon reaching out to your bankruptcy department months ago, I was informed that there is still an outstanding balance on the account. I called back today and was told that the loan was no longer with the bankruptcy department. Subsequently, I was advised to contact your escalation department for further clarification. Regrettably, the situation remains unresolved, and I am left with more questions than answers. 

Furthermore, I have attached a copy of the refund check issued by Bank of America, which only adds to the confusion surrounding this matter. 

I implore you to expedite the resolution of this issue as a matter of urgency. The conflicting information and lack of clarity from your end have been incredibly disheartening and frustrating. I trust that your team will investigate this matter thoroughly and provide a swift and satisfactory resolution. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (FL)

On XX/XX/2020 I reach out to the collection Agency with proof of receipt, Proof of payment that I paid rent for three months including my last stay, and proof that the address that the forge i wasnt even staying there at the time of date, I was staying at XXXX  XXXX  paying bills they forge my name on the lease that I give yall It have the wrong move in date that I moved into apartment I was staying in another apartment before I moved there so they forge a fake lease with my name spelled wrong my kids name not even on Listed on the rental lease the sent I have XXXX kids, You can tell that is a fake lease because why would I spell name lat then go over it with Lak I should know how to spell my name,
Consumer complaint received 2023-03-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2023 at about XXXX o 'clock in the morning to 7387 Day XXXX XXXX XXXX XXXX XXXX. Bank of America XXXX XXXX XXXX XXXX. 1 To make out a cash check for {$250.00}. 2. I deposited {$5200.00} in cash and got the receipt of {$5200.00} issued by Teller when I saw that the money counting machine was finished. I was sure that it was correct and then I left. In addition, I had worked hard to earn the money, and Teller did not see XXXX dollars of it at a single word. I could not believe it and could not accept it.I can provide more evidence, but no one at the bank communicated with me. I called the police, all the customer service numbers of Bank of America.I can't find their manager. I need my money back.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit reporting Act this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have a right to privacy. 15 USC 1681 Sec 604a Sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

Another " debt collector '' calling several times back-to-back, " XXXX XXXX XXXX '' called me XXXX times today. I do not know why the step up in harassment has occurred lately, but it is unacceptable. Please do something to ensure that owning a phone doesn't become an intolerable nuisance. They spoof local numbers to make it seem like they're a local caller. Blocking the number is useless because they will simply spoof another number, usually several within the same day.
Consumer complaint received 2019-11-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

XXXX  continue to place a deficient on tradeline. Requested company to verified debt. Company failed to comply to FCRA Guidelines. Requesting removal off Credit file.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc. (FL)

PROFESSIONAL debt {$1900.00} Balance updatedXX/XX/XXXX Account Info Tap labels for more details Account numberXXXX Collection openedXX/XX/XXXX Account typeCollection Department / Agency / Attorney
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently contacted Capital One to initiate the process of opening a checking account. To my surprise, I was informed that my Social Security number ( SSN ) was associated with an account not registered under my name. The representative advised me to contact the IRS or credit bureau to address this issue promptly. This revelation has prompted concerns regarding potential identity theft or unauthorized use of my personal information.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these 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 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 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 XXXXXX/XX/XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-30
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. (SC)

I am submitting this to formally dispute the inaccurate reporting of late payments on my XXXX account, XXXX. I believe this to be an error, as my account status has not changed and I have continued to make timely payments. The discrepancy between the two reports has caused significant concern and may negatively impact my credit score.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXXI Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>
Consumer complaint received 2023-03-21
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this item : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/year> I complain that a XXXX name is used in place of XXXX XXXX to display profile to lenders. XXXX name will not allow customer contact with lenders to receive financial services of internal revenue service from registered given name.
Consumer complaint received 2024-07-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

In XX/XX/year> Citizen XXXX added XXXX taxes to my mortgage payment. In the State of XXXX XXXX Veterans that's XXXX XXXX are exempt from paying property taxes. I had my payment on auto pay but the declined the payment because it wasn't the correct amount ( once they added the XXXX taxes ). I had no idea this was happening. Once I figured it out I made phone call to get an explanation of how this occurred. ( I been living at this address for XXXX years ). I was put in touch with Lost mitigation to solve the problem. Lost mitigation also advice me to let them solve the problem before I made a payment. 
I received the lost mitigation package and sent them the paperwork they required at least XXXX before we got things straight. The Company deferred the payment plan until earlier this year.

For some reason Citizen XXXX company requirement a late payment in XXXX when it was actually no payment in XXXX per their lost mitigation department. I address the issue with the company and they replied that they didn't have a XXXX payment from me, Last month I received a returned payment check from the company for the month of XX/XX/year>.
Consumer complaint received 2024-07-30
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX