davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (WI)

( 4 XXXX XXXX XXXX XXXX were purchased through XXXX XXXX under fraudulent/ Identity theft premises in the amount of {$4500.00}. ( 3 ) Purchases were made on two different dates ( XX/XX/XXXX & XXXX ) at two different locations ( XXXX  XXXX & XXXX, XXXX  ) at XXXX XXXX stores.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-20
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (OR)

Received a letter and a debit card from " Netspend All-Access by XXXX XXXX  '' address XXXX XXXX XXXX XXXX TX XXXX. This was an account I did not request or apply for. The letter indicated that I had an account opened including a real debit card needing activation, a routing number, and an account number. There were also instructions for direct deposit. I was highly worried my identity had been stolen. 
I finally got through to the company and was informed this was a promotional card and account and that I did not need to open it. This was extremely misleading on the documents which included a large packet of account info ( things I have typically received from actual banks I have actually opened accounts with ). I informed them of the problem of the misleading documents and the fact this looked as though my identity had be stolen. There was not much they could do as this is clearing an issue with fraudulent marketing.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-20
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. (FL)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Royal Pacific Funding Corporation (CA)

I hope this letter finds you well. I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit history, I discovered the presence of a late payment entry that I neither acknowledge nor recognize. 
Account Information : ROYALPCFXXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Either there may be a system error or this account may be with another holder with the same name.

I believe that this late payment entry may be the result of inaccurate information or a possible mix-up with another account holder who shares my name and similar information. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported late payment and, if necessary, remove it from my credit report. I understand the importance of accurate credit reporting and the impact it has on my financial well-being. 
If there is another account holder with the same or similar name and information, I urge your bureau to take the necessary steps to differentiate our accounts accurately to avoid any future discrepancies.
Consumer complaint received 2022-12-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC (TX)

XXXX XXXX - {$2100.00} - XX/XX/2014 {$4300.00} is the amount now and shows late payments. 

The company has this on my credit file, I never went to school or got a loan from this company. I file a police report stating I did not receive money from school and that it was identity theft. I asked for proof of debt, signature of paperwork, school attended, I have yet to receive anything showing proof. Please help resolve as the next step would be to start legal action with XXXX and XXXX reporting companies.
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

I am the XXXX XXXX-in-fact under a Power of  Attorney that Synchrony/XXXX  accepted. When I received instructions on sending in the POA for review, I received no further instructions about next steps, but I called today XX/XX/18, to obtain online account access to the credit card account, thus enabling me to watch, oversee and manage the account, as necessary. Indeed, it is necessary because the principal has XXXX and lives 150 miles away from me. I need the ability to monitor spending and payments and, if it becomes necessary, to lower her limit or close the account. 

My name and status as POA was put on the principal 's credit card account ( s ), as requested some time in late XX/XX/2018. However, Synchony/XXXX is unable to provide me with online access bc the dual authentication process sends the principal a code to proceed with registration. Sending a code to the principal does not help me obtain online access since I am 150 miles away and she has XXXX. I am not able to change the address or phone number on the account via phone, which is another way I could get the dual authentication needed for me to access the account.

The POA grants me full authority over the account. By its terms, I can close, open, modify the accounts of the principal. But, Synchony/XXXX  won't give me online access to the account activity and maintenance features unless I write by snail mail to some Verification of Documentation department and enclose the POA - which I  already gave them and they approved within the last 30 days - asking for a change of address or phone number just so I can get online access to the account. And, it is not at all clear that such a tactic would work. 

Are you XXXX kidding me? This is contrary to the intent and authority of the POA. 
It defeats the purpose of the POA. Further, Synchony/XXXX   would rather that I use the POA to close the account than give me online oversight of her usage? How is this legal?
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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
Consumer complaint received 2023-11-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MT)

I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It distresses me that the information included in my credit profile has not been maintained with reasonable procedures to ensure maximum accuracy, as mandated by credit reporting laws. The accuracy of credit information is crucial, and I believe every effort must be made to assure that information reported is entirely accurate and correct. I am specifically addressing the following information, which I request to be reinvestigated : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. In the absence of such documentation, I insist on the immediate deletion of this item from my credit report.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Equifax, According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you XXXX days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX 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 XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2023-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A. (TX)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX is a third party debt interlooper that has stolen my estates information and has created bonds utilizing the information stolen. She has wrongfully initiated a suit in a justice of the peace court however the subject matter pertains to securitiesa FEDERAL concern governed by FEDERAL securities laws. Not only has she wrongfully initiated an alleged debt claim in a court without jurisdiction to hear the matter, Citibank has an arbitration agreement which specifically states ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. I allege that XXXX XXXX nor XXXXXXXX XXXX XXXXXXXX XXXX. has no authority to act on behalf of XXXX as she has refused to present proof that the board of directors at XXXX held a meeting and decided to hire her. XXXX XXXX of XXXX XXXX XXXX XXXX is a third party interlooper pretending to act on behalf of XXXX without chartered authority. I have not been presented with proof of claim, nor a copy of a contract between myself and CITIBANK or XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2023, I received multiple emails saying new account was opened under my name at Bank of America. I dont have any checking or savings account at Bank of America . I called Bank of America fraudulent activity number and was told that they will start investigation. They said they closed this account. I did not receive any other information.
Consumer complaint received 2023-11-20
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION (TN)

On XXXX XXXX Regions Bank decided to close both of my business accounts. I have been banking with Regions for almost 5 years. I received a letter shortly after the XXXX notifying me of the account closure, but it didn't specify a reason. It stated in the letter that I should receive a cashier 's check within XXXX days of the remaining funds from both accounts. It has now been well over a month since account closure. I have called and spoken with customer service on two occasions, and they said the check was mailed and that I should've received it any day. I was advised by a phone rep to visit the branch at XXXX XXXX XXXX XXXX TN and I've dealt with customer service rep XXXX and his XXXX XXXX and was told that I had to wait 30 days in order for them to cancel the previously issued check and reissue in person. When XX/XX/XXXX approach I called XXXX and he advised me to come up there and it should be ready, so I visited the branch on XX/XX/XXXX and was told they still weren't able to reissue my checks and that they will send escalate my case and I should here from someone Monday XXXX. I haven't received an update, and this is well over a month.
Consumer complaint received 2018-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo sold my account to XXXX XXXX  then closed my account and transferred my funds to XXXX XXXX without my permission. XXXX XXXX was unable to provide me with access to my funds for over a week, a direct result of Wells Fargo 's unethical actions. 

Wells Fargo gave XXXX XXXX my personal information without my permission. 

Wells Fargo gave XXXX XXXX my social security number without my permission.
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have consistently tried to remove XXXX XXXX from my Paypal account. For 2 weeks now, it has literally told me " sorry we cant process this request. Try again later '' EVERY TIME. Paypal REFUSES TO ALLOW ME TO REMOVE MY XXXX XXXX ACCOUNT FROM MY ACCOUNT. 

Why does this bring me to file a complaint? Well because I have tried and tried again to remove it and Paypal wont let me so I added my XXXX XXXX XXXX  account to my Paypal account and set THAT as my preferred form of payment. I should've been straight even tho it refuses to remove the XXXX. I have manually set MY PREFERRED form of payment to be my XXXX XXXXXXXX XXXX  card. 

I ordered some XXXX  and used my Paypal ( that supposed to deduct the amount using my XXXX XXXX XXXX ), instead of it charging my XXXX XXXX account, it charged my XXXX XXXX account that I have purposely XXXX  out so that I can close it. 

I tried contacting Paypal numerous times and they force you to use their resolution center instead of being about to talk to a live person for an emergency such as this. I submitted the dispute and have yet to hear from them meanwhile XXXX XXXX is charging me late fees and I'm getting messages about hits to my XXXX CREDIT score. So not only is Paypal and XXXX messing up my money, they are interfering with my personal and business credit. All because they failed to honor MY setting. 

Now XXXX is saying that that negative balance is going to sit on my account, hurting my XXXX  credit score every day its there until Paypal decides to respond and fix this. 

I will be severing ties with them both after this because I see I can not trust using these financial institutions for business or personal finances.
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (OR)

My federal student loans were transferred to MOHELA from XXXX because I am pursuing XXXX. When I consolidated, I selected the then-REPAYE ( now XXXX ) payment plan. However, after consolidation, my loans remained on the XXXX XXXX. I applied again for XXXX in XX/XX/2023 and my application was marked duplicate. Then, MOHELA moved my repayment plan from XXXX to level, increasing my payment from less than $ XXXX to {$320.00}. I applied again for SAVE in XXXX, and my application is still showing as processing through XXXX. On XXXX, my application is marked processed, so it appears that XXXX indicated to the Department of Education that they had processed my application- when, in fact, they had not. During this time, I learned that there were issues with the IRS retrieval tool ( which I had used ), so I submitted a new XXXX application for the XXXX repayment plan, and manually uploaded my tax transcripts for the last 3 years. Inexplicably, in XXXX, all of those documents were marked duplicate, while my XXXX application stayed processing. During this time, MOHELA placed me on administrative forbearance - meaning that while I did not have a payment due, the months of forbearance would not count towards my XXXX  forgiveness. This is important because my payment will be {$0.00} under the XXXX XXXX, and interest will not accrue! Instead of putting me on the correct plan, MOHELA has added hundreds of dollars of interest to the balance of my loans, forfeited XXXX months towards XXXX, and now, theyve still not processed my application and my administrative forbearance has ended. I owe them {$320.00} under the level plan on XX/XX/XXXX. 

I have sent multiple messages, submitted formal complaints to both MOHELA themselves and about them to XXXX. All Ive heard back is that they will review my complaint within XXXX business days - never mind that all the while, my loans are accruing interest and the clock is ticking faster towards a payment I can not afford and should not have to make, if they would just process my applications. 

I have tried to call several times, but have not been able to get through on the phones. Whenever they reply to a message, they just tell me to call them- but I would have to take a day off work to sit on hold for the hours that would take.