davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (GA)

I didnt Consent to these Hard Inquiries on my Report under Title 15 1681a and Title 15 1681 1 ( c ). I wasnt notified nor did I give written consent to these Hard Inquiries. Also, they Do not Match Up with My XXXX or XXXX which is In accurate information. 

Below You Will See the Hard Inquiries From Equifax XXXX. 

Then You will see my XXXX  and XXXX Please Remove the Inaccurate Inquiries and Information!!!
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX Collection account Account Number : XXXX 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.
Consumer complaint received 2024-06-10
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

XX/XX/XXXX : Failed to pay with debit card at grocery store. Has been occurring over the past few weeks so thought I forgot my PIN. 
XX/XX/XXXX : Tried to find out transaction history of debit card on Money Network EDD site. Was unsuccessful so called the customer service line. 
XX/XX/XXXX : Customer service agent tried to send confirmation code to mobile number. Didn't receive. Upon checking, it was discovered that mobile phone number on file on CA EDD site has been changed without my authorization. Email address on file was also changed. Customer service agent closed the account, and is going to mail remaining balance of {$280.00} via check. Also requested for the statement of entire transaction history of the EDD debit card to be mailed to me since XX/XX/year> so I can reconcile against my purchases to be able to file dispute. 

Complaint : There has been many incidents reported in XXXXXXXX XXXX of EDD debit card fraud and unauthorized transactions begin as soon as the card is issued. Money Network is aware of this problem, yet they are doing nothing to protect those accounts being compromised by implementing 2FA and robust security measures. They would not disclose how they have allowed my phone number and email address to be updated without my authorization, and to disclose when that happened. I don't trust that this will be a one-time occurrence if Money Network is not taking steps to protect the account holder. Money Network should be liable for not protecting against fraud instead of passing on those charges as dispute with the merchants.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I have been a Wells Fargo customer for 20 years and throughout those years have been charged overdraft fees many times. I was bit informed of the lawsuit for unlawful practices nor did I receive a lettter in the mail. I find this very bad and would have wanted to be notified!
Consumer complaint received 2024-07-04
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

I open a Wyndham Rewards Earner Card on XX/XX/year> because I was trying to make a reservation on the site for one of their facilities. That card was offered as reward which would allow me instantly get the hotel reservation at a discounted rate as a card statement credit. I applied for the card, was approved, received a hard credit card inquiry but no access to the credit card information to make that reservation. I called Barclay Credit card to find out how to get access to my credit card information to make that reservation but I told that I have to wait till I receive the card in the mail. I was deceived because now I can't make the reservation right away which means by time I get the card, the hotel room will booked out. I would have never applied for that card if that mentioned in that offer which it wasn't. This company needs to be penalize for false advertisement!
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (NY)

I filed a complaint here about shoes that I ordered and PAYPAL 'S REFUSAL to honor their ironclad warranty for buyers of products. 

They closed my original buyer resolution complaint without issuing a refund. 

Now I checked to make sure that complaint is still under the pending section and it again is under the closed section. Keep in mind before I wrote the last complaint i went through the activity report and filed a new complaint because it was marked as " closed '' Seeing that the complaint is closed I tried to do reopen another one and now it would appear that the transaction is not even in the history. 

Also when the cards to this account are being used the parties are being asked to present ID this violates XXXX operating rules and I would like it to IMMEDIATELY STOP for all cards on this account ( XXXX XXXXthis complaint is to be added to the contemporaneous record to be given to our legal staff for further prosecution of this claim if needed.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and or deletion of these items.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX Collection account Account Number : XXXX 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.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Consumer Portfolio Services, Inc. (NY)

Account name Consumer Portfolio Svc Account number XXXX XX/XX/XXXX was opened XX/XX/XXXX was closed and paid off Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX No phone number
Consumer complaint received 2022-12-13
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
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. (CA)

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 reporing agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2023-07-26
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. (GA)

Experian is not accurately furnishing information on my consumer credit report. I have not received the investigative report that should include interviews with family and friends 15 USC 1681a ( e ). My credit report has inaccurate names and addresses which put me at risk for identity theft and financial harm. these inaccuracies have come back " verified '' which is not true and is considered willfully and knowingly furnishing inaccurate information. My credit report is not the same across all credit reporting agencies 15 USC 1681b ( e ) ( ( 6 ). I did not give Experian written instruction to furnish anything on my consumer credit report 15 USC 1681b ( a ) ( 2 ). Experian is liable for {$1000.00} per violation.
Consumer complaint received 2023-09-05
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: WELLS FARGO & COMPANY (CO)

I have requested multiple times for Wells Fargo on three different types of accounts to revive verification of the accuracy of the account and then it truly belongs to me. Thats a problem number one problem and two is its past the statue of limitations, and it should not even be on the report and problem number three is XXXX, XXXX, and XXXX XXXX Have refused to provide me any written proof of this debt, or correspond to me in writing on any of my requests. This is a clear violation of my FCRA rights.
Consumer complaint received 2018-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NC)

Mr. Cooper mortgage ( formerly Nationstar Mortgage ) increased my mortgage bill for apparently no reason. I contacted them asking why they increased the bill. They said I had missed an escrow payment. However, I did not. I have made every single payment well in advance and for the exact amount indicated on the bill, every time.

They failed to remediate the situation and have evidently just stolen the amount from me ( in the form of increased monthly billing ).
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WI)

I made a complaint on XX/XX/XXXX for the issue below. On my XX/XX/XXXX report all items were removed. On my XX/XX/XXXX report all items were REINSERTED for the XXXX time. At this time Equifax is being egregious and I want to seek legal action. They need to please remove all the reinserted inquiries from my report. 

Complaint from XX/XX/XXXX : I review my credit report weekly to make sure everything on it is correct. I monitor through XXXX XXXX and XXXX. On XX/XX/XXXX I only had 2 inquiries on my report as I had previously disputed fraudulent inquiries and they were ALL REMOVED in XX/XX/XXXX through a previous complaint filed with the CFPB. I have attached both reports showing the reinserted fraudulent, old inquiries. On XX/XX/XXXX Equifax reinserted XXXX inquiries from XXXX and XXXX which were previously removed after their own investigation which is a CLEAR Violation of FCRA and FDCPA. Equifax can not by law reinsert previously deleted information and continuously violate my consumer rights. I am seeking your help to make them comply with consumers laws created to protect me from these illegal practices.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

Today XX/XX/XXXX I received this voicemail from XXXX XXXX, Michigan ( XXXX ) XXXX : XXXX XXXX I'm calling to notify you I will be out to your residence or place of employment in the next business day you will need two valid forms of state ID and if it work I will need a supervisor present as a witness I obtain your signature if I'm unable to locate you at either location the documents will be sent back as a direct refusal a missed appearance if you have any questions pertaining to this matter before receiving these documents you can contact the plaintiff at XXXX I called the XXXX and an American male who identified himself as " XXXX '' asked if ( XXXX  ) are the last 4 of my social security number. I told him yes. He explained to me that I have a delinquent amount from XXXX of {$2300.00} with XXXX XXXX XXXX. He named my city, mother, and daughter. I told him I have no such account so my identity must have been stolen. By the end of the call I accused him of trying to scam me. Afterwards, I realized the dollar amount and plaintiff he said I owed is the exact amount and plaintiff from a judgment I paid off on XX/XX/XXXX. The Certificate of Satisfied Judgment is attached. 

Thank you
Consumer complaint received 2024-01-02
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. (MO)

Despite my previous 5 written requests, the unauthorized inquiries listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 5 dispute letters that they have verified that the unauthorized inquiries listed are accurate but they failed to send me copies of the documents that they used to verify these unauthorized inquiries as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the unauthorized inquiries is evidence that they can not and did not verify any of the unauthorized inquiries like they said they did. Their failure to delete the unauthorized inquiries that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Please be advised that this unusual foreclosure complaint is rare and unorthodox Due to the nature of the complaint. As of XX/XX/XXXX, I XXXX XXXX. Unsuccessfully requested per Freedom of information Act ( FOIA ) documentation concerning my mortgage loan that was Wrongfully foreclosed on in XXXX. My family still suffer from the dramatic unprecedented eviction. Wells Fargo as of XXXX, XXXX responded to the last Consumer Financial Protection complaint. On the other hand Wells Fargo failed to respond to the Freedom of Information Act. I request specific documentation Wells Fargo continued to send me information concerning my mortgage loan I did not request. This is a Freedom of information violation. My home was illegally foreclosed on I know they were not the Secured Party to enforce any foreclosure against my property. I am seeking resolution to this unduly act. Please Help.
Consumer complaint received 2024-05-11
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. (VA)

According to the IRS an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off account : Account # XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (OR)

About a week ago I tried to log into my PayPal account. They wanted to verify my by sending a number to my phone. I think they did not do it because it is a XXXX XXXX number. I did not have a cell phone. I was on the phone with them for XXXX minutes. They deleted my phone number and added my wife 's cell phone number. It did not work either. Then they said they could verify me by asking several questions about what I have owned in the past including some from 30 years ago. I passed the test. I was still blocked. So I bought my own cell phone, a XXXX prepaid. They did not accept it either. Maybe they want me to have a post paid phone. They don't say that. So I am locked out of 25 years of of records. And I can't send or receive money. Thank you for holding them accountable.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name XXXX XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I received a call from an anonymous number stating that they were a courier attempting to deliver documents pertaining to a debt. I said that I would be at work during their deliver time and asked who or what the debt or account was for. I was given the following number : XXXX. 
When I called a very brusque and insistent operator named XXXX attempted to 'verify ' me and then said I had an unpaid debt on a Wells Fargo checking account that was closed in XXXX. The debt allegedly originated from XXXX. I was told a judgement had been made in the amount of {$950.00} stemming from an initial debt of {$720.00} left over when my account was closed. When I asked for verification I was told to 'XXXX  5 year federal debt charge ' and they then hung up. I received a call back threatening legal action if the debt wasn't paid. I have no record of any such debt. 

I then contacted Wells Fargo ( with whom I did hold an account with around that time ) but they said they had no record of an unpaid balance. I do not know if this debt is valid but have no way to confirm other than with Wells Fargo who says it is not. 
I am concerned that this may be fraud or that I will have some judgment stemming from this as the collection agency does have my valid social and some vague amount of account history. My credit is ostensibly being held for ransom. I don't know if an account was fraudulently opened or if that is a scam outright.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

XXXX, XXXX XXXX, XXXX XXXX A XXXX XXXX, XXXX Investigation Request Letter Date of Birth : XXXX, XXXX, 1997 SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want those accounts deleted because they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX  XXXX where this lawyer said you have 30 days to complete this investigation. 
Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller and others who furnish third party disputes free of charge, etc. Please investigate the following accounts and remove them for not authorizing my personal information to be verified.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX Account Number : XXXX Action Requested : Cancel Contract. Please provide the original contract or delete. Victim of Identity Theft. 
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 rights 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 instuctions.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file. I want the investigation outcome to be sent to my address I put on the from area. 


Thank you, XXXX XXXX XXXX XXXX