davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
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. (FL)

XXXX XXXX XXXX XXXX in XXXX, AL incorrect information. I have sent numerous letters and called several times to rectify this situation of inaccurate credit reporting. This inaccuracy of credit reporting hinders the overall security in factoring that credit reporting agency report accurate data. I have been unable to successfully have these negative marks on my credit be removed and corrected.
Consumer complaint received 2021-03-10
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. (IL)

I sent my 1st letter disputing inquiries back in XX/XX/2020 to Equifax and XXXX. I never received a response in the mail and I also called to verify Equifax received the letters. They didn't verify it even after supplying tracking number. I resend the letter again and received a response back from Equifax and XXXX that the inquiries were verified. I then sent a letter requesting method of validation and never received a response. I even called to creditors myself to request record of my alleged inquiries and the creditors don't have record. So I know Equifax and XXXX are truly not investigating and stalling. Because I requested proof of investigation and didn't receive a response.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CT)

I opened a checking account with Chase on XX/XX/2021, and initiated a transfer of {$1000.00} from my primary bank ( XXXX XXXX ) to the newly opened Chase Checking account in order to properly fund the account. By the next day, I was locked out of my account ; I could not sign into my Chase checking account/my Chase Amazon Prime credit card. I have owned an Amazon Chase credit card for two years with Chase and have been paying it off with the same People 's account that I used to fund the Chase checking account. The XXXX XXXX account was already verified through Chase for years and that status was active. However, the transaction was cancelled and I was locked out of my account. 30 minutes late of phone calls and all I was told was do not use XXXX XXXX ever again to fund your checking account because " we could not get a hold of them over the phone to verify your fund. '' That is insane! I use that account to pay off my CHASE credit card ; it is already verified! This should NOT have happened. Absolute waste of my time to sort out this unnecessary mess.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Funding is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt was reporting on there. I was very confused because I had previously been garnished for this debt and it was taken care of. However, now they are still reporting a balance and it has been a very long time. I do not owe this debt and they must remove this from my credit file. They are in violation and it must be removed.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX continues to report incorrect information to my Experian credit report. It is reporting that the account is opened instead of closed with XXXX balance. I have had issues with them reporting incorrect information, I reported them to XXXX XXXX XXXX  and they removed but months later they are reporting incorrect information again causing my credit score to drop by 13 points putting my chance of getting a mortgage for a house in jeopardy. They will not stop doing it. It is extremely hard to get to talk to them.
Consumer complaint received 2021-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

I am trying to solidify my loan for a home, however I recently discovered that I paid a debt through Pheonix Financial which was never taken off of my credit history. My loan advisor has told me to reach out to them about the issue, which I have done. Now it shows that I have two, identical accounts with Pheonix financial, one of which is paid off but now somehow the other is not, even though the accounts represent the same collection ( which was paid ). When I contacted Pheonix financial services about the issue they sent me a document to resolve the issue with my loan advisor, however the document was not in the proper verbiage. So I reached out to Pheonix financial for a third time to request a different verbiage on the document, which they informed me that it was not possible to do on their end. The account in question is regarding Phoenix Financial Acct : XXXX
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

The car loan fully PaID off after refinancing by the second loan provider company, but the first company still sending me bill statement every month, even I received paid of confirmation letter and the car title. 
They reported to credit report agencies and my credit score affected ( dropped ). I need your help to investigate and to correct this falls and unfair report from loan provider Thank for your help.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Date of this account is a dates XX/XX/2015. 
the amount is ( {$1200.00} ) I have informed the collection company that this account does not belong to me. I've explain the information used to established this account does not match my correct information. Address is unbeknowest to me. This erroneous information negatively impacting my credit. I have ask them to provide validation, evidence, bearing my signature, the description of the procedures used to determine the accuracy and completness of the information. Additionally, please provide the name, address, and telephone numbr of each person who personally verfied this alleged account. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printedoit of a bill or itemized document does not constitute verification. They provide a copy of bill which i will attached to this statement. This listed item inaccurate and incomple, and represent a very serious error in their report delete immediately.
Consumer complaint received 2021-03-10
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. (IL)

Equifax refuses to investigate and remove fraudulent inquires on my report, I have requested numerous times for the deletion of fraudulent inquiries from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2021
Consumer complaint received 2021-03-10
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: Bread Financial Holdings, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX  ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TransferWise Ltd (NJ)

An account was created with wise on XXXX. The account was deactivated by them due to my age on XXXX. There had been the request of a transfer of money from my account at XXXX XXXX to the account on wise. After the account was deactivated I no longer can access it to cancel it. Today, XXXX {$93.00} were removed from my account even though the account was deactivated XXXX. I have no way to contact them nor to request the money back through the app since I cant log in to request help due to the account being deactivated
Consumer complaint received 2021-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was contacted by XXXX XXXXl located at XXXX XXXX XXXX, XXXX, SC XXXX by phone ( XXXX ) XXXX on XX/XX/XXXX of 2021. XXXX, was on the phone asking me for some personal information to verify my identity before we spoke about a loan I had with XXXX XXXX. I told XXXX that I would not give her my personal information, because I did not have a loan with XXXX XXXX. XXXX began to explain to me that a live check that was sent to my mother 's address was signed and cashed. I told XXXX I was be in her office the same day to get a copy of this XXXX  XXXX and go about getting this fraud issue fixed. 

When I arrived at the XXXX XXXX location in XXXX, XXXX printed a copy of the signed and cashed check. On the back of the check where one would sign, there were also lines for my social security number and date of birth. There were only 4 numbers in the Social Security line and none of the numbers matched mine and I brought my Social Security card and State ID to prove it. The date of birth was not even filled out. The signature looked nothing like mine at all. 

I was told I would be responsible for this loan unless I could prove who did cash the check and the only way to do this is to file a police report. I asked if they could tell me what bank it was even cashed at and they told me they had no way of knowing that information. 

I since have contacted all three credit bureaus. XXXX  and XXXX  have taken the negative information off of my reports, but Transunion has failed to do so even after two appeals with all the documents to back my case up. Transunion has told me that I must make an FTC report in order to have my case looked into again. 

I have been receiving two calls and 1 voicemail Monday through Friday about this loan.
Consumer complaint received 2021-03-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I would like to let you know that BofA is NOT handling my second draw of XXXX submission in a timely, professional and COMPETENT way. Not only the wait to get to talk with a reviewer are off the charts, but the INCOMPETENCE OF THE PEOPLE handling it is bigger than the beautiful moon we see every night! I submitted the application on XX/XX/2021, and as of today I have received and made countless phone calls that until today got me NOWHERE!! 
It seems nobody gives the right amount of care to this issue! thank you for reading my complaint.. 
XXXX
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I banked with Wells Fargo in XXXX Texas .... I was offered an advance loan with my first stimulus payment and I am XXXX years old and was advised I could pay it back ... ... I never asked for this advance loan ... ... .and then never received anything about this advanced loan from Wells Fargo Then I got my second stimulus check for {$1200.00} and it was in my bank account and I went to withdraw it .now on XX/XX/XXXX, XXXX And my account is the negative for {$1800.00} ... I never use this account ... 
Then when I call them they said i should of never received the stimulus check for {$1200.00} ... ... 

I do not understand..why Wells Fargo is doing this ...
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Company In Violation ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX Shown on Credit Report ; Original Charge Off Balance XX/XX/XXXX : {$14000.00} Balance Shown on Report XX/XX/XXXX : {$18000.00} Highest Charge Off Balance XX/XX/XXXX : {$23000.00} Hello CFPB, XXXX XXXX has continued to add INTEREST to the charged off balance on my credit report. I called and asked XXXX XXXX if they could report the correct information base on our payment agreement and they REFUSED. XXXX XXXX has refused to report the correct information on my credit report. This has caused my credit score to drop. Additionally on XX/XX/XXXX XXXX XXXX added a UNAUTHORIZED inquiry to my credit report which was later removed. 

On XX/XX/XXXX I entered into payment agreement with XXXX XXXX to pay the debt as stated in the attachment. The amount shown on the letter is for {$17000.00}. I paid XXXX XXXXXXXX a LUMP SUM of {$5000.00}. I have made 4 monthly payments of {$100.00}. XXXX XXXX still has INACCURATE information on my credit report. The current balance should be {$11000.00} as of XX/XX/XXXX
Consumer complaint received 2023-08-09
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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  should not be reporting each Inquiry showing on my credit report for auto financing as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report as only ( 1 ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted Transunion Credit agency to get my credit score. I tried online at the website and tried calling. I spoke with representative and said I would Ike to know what my credit score is. I was told I would have to pay for a membership. I explained to representative that I can go online to XXXX  and XXXX  and look at my credit score instantly. Why does Transunion charge a person a fee to get information on their owe credit? So I would like this to be investigated. Transunion should not be making money off of one 's own information.
Consumer complaint received 2021-03-10
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: Experian Information Solutions Inc. (TX)

On XXXX XXXX several notarized letters were sent out on my behalf to Experian, XXXX, XXXX for verification of items that were listed on my credit report. I sent these letters with return receipt asking how the items in question were indeed verified. I since have received no written response and It has passed the 45 day limitations which the law states that these items in question must be removed immediately. The items in question are as follows : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2021-03-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (VA)

I wish to complain about the harassment I'm being subjected to by New Day Financial LLC, XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. I have asked them repeatedly to stop sending me solicitations for refinance of my VA mortgage to no avail. On XX/XX/2021, and on XX/XX/2021, I requested via their web site ( https : //www.newdayusa.com/contact ) they stop sending me correspondence. Today, XX/XX/2021, I received yet another solicitation from them. I request your assistance in stopping this harassment.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (WV)

I applied for and rcvd The Emergency COVID forbearance due to financial difficulty 's resulting from my tenants hardship due to COVID since XXXX XXXX.Wells Fargo sent all COVID exempt customers ( such as myself ) an agreement that during the COVID forbearance period ( mandated by law ) they would not report non payment to any of the 3 agencies. They DID report it and in fact reported every month as a default and negative credit report. The COVID forebearance laws are public knowledge through out USA ; therefore they have violated their contract w me.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

I instructed the purchase of 200 shares of stock in XXXX ( XXXX : XXXX ) through the broker XXXX XXXX XXXX on XX/XX/2020. 

XXXX XXXX XXXX instructed me to transfer the cash for the purchase to their account with XXXX XXXX XXXX. Accordingly, I transferred {$22000.00} ( {$22000.00} for the shares plus broker fees of {$220.00} ) from my account at XXXX to the account # XXXX of XXXX XXXX XXXX with Wells Fargo. 

Since that time, I have become aware that XXXX XXXX is a fraudulent bucket shop. Evidence is here : XXXX XXXX XXXX  I have also become aware that XXXX XXXX  XXXX is engaging in fraud.Here is the evidence of the fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So I am now reporting to you that Wells Fargo is providing account services to a company engaged in securities fraud : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , CA XXXX The account is with Wells Fargo Bank XXXX , XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 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 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

XXXX  XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX  that I am ( XXXX ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX  XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX  XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX  XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (PA)

I request Source Receivable Management send me an audit trail accounting to Generally Accepted Accounting Principles ( GAAP ). 

I, the consumer have no contract with Source Receivable Management nor have i done business with them. i, the consumer only participates in a consumer credit transactions i the consumer doesn't own a debt, its alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment I'm the original creditor, lender, executor administrator and holder in due course.