davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-12
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: WELLS FARGO & COMPANY (CA)

IDENTITY THEFT NOT RESOLVED Source XXXX  Alert Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$54000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name WELLS FARGO DLR SVC/XXXX XXXX Phone Street Address XXXX XXXX CREDIT BUREAU DISPUTES City XXXX State NC Zip XXXX
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

This is the second time I am complaining about this company. The first time my mortgage went into foreclosure. This began in XX/XX/XXXX. My lawyer sat on it for 2 years letting the statue of limitations run out. Then the company filed foreclosure. So my lawyer negotiated a re-fi. This first complaint # XXXX. This case was dismissed with prejudice in the courts. in XX/XX/XXXXIn XXXX XXXX XXXX, they stated I did not pay my mortgage. I sent them proof of payments. This time they have admittedly messed up my escrow account. I was told it was escalated but have received no communications in regards to that. Only communications I receive are calls for payment that they increased due to their escrow error. Every time I call or send emails I get passed around and there is never a resolution. They are damaging my credit and causing me hardship because of the higher rates they are forcing you to pay due to their admitted error.

Numerous times as with my previous issues with them I have demanded they close my escrow account due to their mismanagement of fund yet they continue to ignore me.
Consumer complaint received 2023-06-28
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00}
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

I have disputed the collection account with Credence Resource Management 3 times now since XX/XX/XXXX and they continue to claim that the debt is verified and accurate. It is not. 

Firstly, the account is almost XXXX XXXX XXXX ( approximately XX/XX/XXXX ), yet they show it as opened XXXX of XXXX. 

Secondly, the amount was approximately {$500.00}, not the {$1400.00} they are attempting to collect. I am trying to improve my XXXX XXXX and this is the only thing holding me back. However, I will not pay this collection, as it is inaccurate and should be almost to XXXX XXXX of dropping off anyway now.
Consumer complaint received 2023-04-19
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. (NJ)

remove this account # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2018-04-12
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: EQUIFAX, INC. (CA)

Equifax is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same as me but does not belong to me. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once with their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends and there is also another XXXX XXXX at my employer. I have contacted Equifax three times and showed them the documents from the collection agency and that these documents do not support their claim that this debt belongs to me. Each attempt to work with them has failed. Since I started contact them in 2016 more then 30 days have pass for them to provide anything else or continue to report this on my credit report.
Consumer complaint received 2018-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

For no known reason Chase bank decided to close my accounts. I had no non sufficient and direct deposit for my pay check. If I had not gone in to ask what was going on I would not have been able to stop my pay check from being deposited. No one in the bank was able to tell me what was going on or why this was happening. I had accounts with Chase for years and this was done without notification.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been using Bank of America for years and recently I decided to get a direct deposit of some of my paycheck through them at a fixed deposit and the rest to go in another bank. On Monday I was paying for something when the transaction could not go through and that the next day I called the bank and they told me that they had closed my accounts and could not give a reason. I visited the bank that day, XX/XX/23 and I was given the same reason however they told me that the account was still open to receive any direct deposit money but they will decide when to send whatever money will be in the account after they finally close the account on XX/XX/23. I am going to get a direct deposit tomorrow XX/XX/23, which I can not access until they close the account completely on XX/XX/23 and the bank then decides when to send the check. I was using the account for overseas business now I can not transfer the money and I can not access it and when I asked them to close the account right away today on XX/XX/23 so that my money does not go into the closed account, they told me that they can not do it until XX/XX/23. And they told me that after they close it on XX/XX/23 and after that they will make a decision as to when to send me the cheque. I am a XXXX and I work hard for that money in these hard times.
Consumer complaint received 2024-03-07
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. (TX)

I am writing to express my dissatisfaction with the unresolved late open account listed on my credit report and to request immediate action to correct this inaccuracy. Despite numerous attempts to rectify this issue, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing. 

Since discovering this inaccuracy, I have made multiple attempts to have the late open account corrected. I have contacted your customer service representatives, submitted formal disputes, and provided supporting documentation to prove that this entry is erroneous. However, despite my persistent efforts, the late open account remains unresolved on my credit report. 

The continued presence of this inaccuracy on my credit report undermines my ability to access credit and financial opportunities. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not reflect my credit behavior accurately. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your institution. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in correcting the inaccuracies on my credit report. 

I demand immediate action to investigate and rectify this situation by correcting the late open account on my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$33000.00}.
Consumer complaint received 2023-06-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

IVE BEN A VICTIAM OF IDENTFY THEFIET AND HAVE BEN IN THE PROCCESE OF DISPUTING AND RESLOVING THESES PROCCCES OF UNAUTHERIZD TRANSTIONS THAT HAVE BENN CHARGED TO THIS ACCOUNT HOW EVER THERE HAS BEN A MINOR SET BACK WITCH HAD KEPT US FROM MOVING FWORD WITH THE NEXT SET IN PROCCES IVE FILED A FINAL HARD SHIP DUE TO THE FACT THAT I HAVE A 3 DAY NOT ICED AND IT HAS NOT BEN TOOKEN IN TO CONSIDERATIORN OR BEN IMPLENTED ON THIS CASE PLESE
Consumer complaint received 2022-12-22
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-07
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, 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 the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (VA)

I have had multiple problems with money being siphoned out of my account on multiple occasions. I have filed disputes which were denied in 24 hours or less with no investigation into the matter. The bank said they would send me a decision letter within 10 business days which i never received and continuously requested for weeks. From my knowledge they do not adhere to Regulation E under any circumstance. My most concerning dispute was filed on XX/XX/2022 for {$1100.00} to claim id # XXXX. I sent an overwhelming amount of emails and made the same in Phone calls to support but was continuously told that there is no way to speak with the actually dispute department because they had no phone only email. I have been trying to figure out ways to get this matter resolved. In my search i found there have been a numerous amount of people with the same issue and was told this is the best way to get attention to the matter other than contacting news outlets.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and or deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of face by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : These are inquires that need to be removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
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. (GA)

This is my follow up complaint asserting my victim status regarding fraudulent activities, and I am disputing specific entries within my file stemming from this crime. The disputed items have no connection to any transactions involving goods, services, or funds made or authorized by me. I request the removal of these entries from my credit report, as they are inaccurately attributed to fraudulent activity : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items are unfamiliar to me, and their deletion by other bureaus raises questions about their accuracy. The reported history of these items remains unclear to me. As per the Fair Credit Reporting Act ( FCRA ) 605B ( c ) ( 1 ) ( C ), there is authority to decline or rescind such entries.
Consumer complaint received 2023-02-13
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 ()

Hello, I am encountering a problem with PayPal in which they are not providing me with any support. My account was lifted on XX/XX/XXXX after they acknowledged that the previous ban was made in error. However, shortly after receiving payment for my photo editing work, my account was banned once again on XX/XX/XXXX. 

I have attempted to reach out to the Escalations Team member who previously lifted my ban, XXXX, but I have only received responses from customer support that provide " default reply templates '' indicating that the decision is final. 

I am unsure how their algorithm works, but it appears to be incorrectly flagging my account. I have been working hard and engaging in decent online jobs and have no disputes or gambling-related activities on my account. I have always been in compliance with their terms and conditions. I would greatly appreciate any assistance you can offer in resolving this matter and I look forward to hearing back from you soon. 
I am hopeful that XXXX from the Escalations Team will be able to assist me once again, as he was the only one who took the time to re-evaluate my account before. 

I am respectfully requesting that they re-evaluate their decision and lift the ban on my account. I believe that there may be a mistake in their algorithm. Thank you.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-26
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. (NY)

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 reports. XXXX XXXX XXXX ( Original creditor : XXXX BANK ) XXXX Date opened : XX/XX/2022 Balance : {$2900.00}. Please delete.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX1 XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 


Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX 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 2022-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Chase arbitrarily decided Im responsible for the fraudulent reversal claim on my checking that the fraudster made on my checking account. The fraudsters reversal claims unauthorized were, my monthly payments of purchased money orders debited from XXXX, utilities payment, all monthly payment debited Creditors, and my joint account with my daughters their monthly payment to IRS.These transactions in the amount approximately {$9000.00}, that Chase Bank is withholding my pension directed deposit, to pay back monthly. thanks XXXX XXXX
Consumer complaint received 2023-07-27
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: Resurgent Capital Services L.P. (MN)

I am not liable for this debt with XXXX. I do not have a contract with LVNV Funding LLC. I have contacted XXXX regarding this collection fraudulently filed on my credit report, they still refuse to remove this.