davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have issues with my file there are some addresses on my file that do not belong to me. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I need the following addresses deleted removed : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXXOH, XXXX, XXXX. XXXX XXXX XXXXOH, XXXX, XXXX XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX XXXXXXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX
Consumer complaint received 2021-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Municipal Collections Services, Inc. (IL)

I received a notice for a debt from the village i live in regarding a ticket i had in the past that i did not pay. My dog was STILL ON MY PROPERTY. i watched my pet from the window when i noticed he was out of the gate in my own yard. he did not go into the neighbors yard he came right back in the door and the police decided to give me a ticket. stating the dog was loose on city grounds when he never left my driveway. The police didnt chase my dog, they didnt come on my yard, so where was my dog in the neighborhood and why did i get a ticket if he never left my yard. In the past this same police department XXXX my dog because they were supposedly charged at when the dog was running in the other direction. i have witnesses that stated my dog didnt charge these officers but they XXXX him in the back and didnt bother to pay for his medical bills. i had to pay over XXXX for his medical care but i had to get tickets on top of that? and lied to that they XXXX at and towards him but didnt XXXX  him directly.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

I try to lift a freeze on my credit since Friday XXXX I try to do it on my Equifax webpage so It shows me that it was a problem to retrieve my information to lift the freeze so I decide to call them the same day so I called and they try to lift the freeze but they ask me what I need the lift for so I tell them that it was for a refinance loan I was working with my credit union so they try to sell me some of their products but I tell them no thank you I already have my credit institution I working with so after this comment suddenly they said they star telling me that they can not access to my credit report so the weird thing is that I can sign in to my credit report and I was able to check my credit score but shows me a message error when I try to manage my freeze on my credit, so they told me that suppose they having problems with their system and says if I can call them later,. so I call them 2 more times that day and they told me the same thing, so today is Monday XXXX and they said still having the same problem I try to contact somebody in their Corporate office in XXXX so I believed was the Chairman Executive XXXX XXXX but he just answer the phone and before I can explain the whole problem he just transfer me back to other agent so this is a serious issue is causing me a huge problem to get the refinance loan on my house and my credit institution is waiting for this lift to keep moving forward with the process so please help me to fix this issue thank you so much for all the help you can assist me with.
Consumer complaint received 2021-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

In XXXX of XXXX, I bought a brand new XXXX XXXX XXXX XXXX bike in California from a dealership. I financed XXXX of the dirt bike through their loan company. XXXX XXXX. XXXX XXXX did not require any insurance on the dirt bike for the loan because it is an off highway vehicle only. 

Sometime during XXXX of XXXX XXXX XXXX went out of business and Fifth Third Bank took over the loan. I was unaware of this and did not receive any mail, email, or phone calls. They collected my auto payments. When Fifth Third bank took over the loan they immediately added forced insurance on the loan. I have been contacting them multiple times and get different answers every time. They won't tell me when the added the insurance, and give me answers like " maybe, most likely, I think. '' My Balance is incorrect and I would have been willing to add my own insurance if I was given the option. 

I have tried to work this out with Fifth Third bank but get a different person every time who contradicts the previous person. I am not allowed to see any of this information online. I was told by a supervisor that if I got my own insurance and called back that they would remove their forced insurance. I immediately got my own insurance. I was then called back by a different person and told this was false information. 

Please hep, I would just like the balance corrected, the payments corrected and my own insurance.
Consumer complaint received 2021-03-15
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. (TX)

On XXXX I sent in credit disputes to XXXXand Equifax. In the disputes I listed the XXXX XXXX XXXX XXXX Account that the Bureaus have listed on my credit profile. I stated in my dispute letter that this account was not mine. As you can see from my attachments, the account info that these 2 bureaus have listed does not match the account that belonged to me. 
Equifax has an account that ends with XXXX and XXXX has an account that starts with XXXX. 
As you can see from the invoice for my XXXX Account the Account number doesn't end with a XXXX and it doesn't start with a XXXX
Consumer complaint received 2021-03-15
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: General Motors Financial Company, Inc. (FL)

GM Financial offered us a payment plan in XX/XX/XXXX for the remaining balance on our car loan. We could pay the lump sum or spread the payments over six months. We were told that is we chose the six month plan we would not be marked late or have any fees or interest. So instead of paying the lump some we chose the six months plan so we could have the additional payments on our credit which would help boost our score and help us to buy a house. However, GM Financial marked us late for XX/XX/XXXX, then when we disputed it with them, they now moved the late mark to XX/XX/XXXX. We should not have any late payment marks on any of our credit reports for GM from XX/XX/XXXX to current. We have tried many times to get this resolved. This whole six month plan is turned in to being very deceptive and abusive. If this was going to hurt our credit we would not have taken the offer. We would have paid the lump sum. No one mentioned being reported late, rather they mentioned not having late fees. Also, no one reached out when the payment was considered late. It isnt fair that we should suffer this consequence.
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC (OH)

On XX/XX/2021 I opened a trading account with eToro. I opened the account with {$3400.00} directly from my bank account. Trading was allowed immediately upon the opening of the account. XX/XX/XXXX they contacted me with an email that stated that the method used to fund the account was registered under a different name. I assure you it was not. I funded my eToro account with my bank account. Within a week the account activity was limited resulting in a frozen account. All documentation ( Identification, proof of address, proof of payment method ownership, etc. ) that has been requested by eToro has been supplied to eToro under threat of limiting the account. Upon supplying the documentation, the account has been limited anyway. No money is allowed in and no money is allowed out of my eToro account. eToro will not respond to any emails, support tickets or phone calls. They have my money and the account still shows a value of {$3700.00} and they will not allow any action within the eToro account. My account is " Verified '' but " Limited. '' They will not respond to any inquiries.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I paid off my XXXX card in XXXX and they are still showing the card as owing almost the full amount. This is negatively affecting my credit score and affecting me financially. I have called and exchanged correspondence in email. They said they would correct, but have not.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MI)

My account had a fraudulent credit card purchase which I refused to pay because of the fraudulent charge which I informed Discover Bank to correct before I make a payment. During this time I was reported on my credit report 30 days past due to my credit reports. I am requesting that Discover remove the late payment they reported on my credit reports as this incident resulted from Identity Fraud and fraudulent charges.
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (FL)

We have received several phone calls from different " debt collection companies '' regarding a credit card debt from the early XXXX where we are told that I will be served a summons to appear in court regarding the debt, most recent was today XX/XX/23 from XXXX XXXX XXXX debt collection. I let them know that I am unemployed and live with my daughter and have no income outside of my Social Security. When I let them know that I knew this was a scam, the guy got belligerent and said that they would just sue. I told him we knew this was a scam and then I hung up. The number I called from is XXXX. They gave me a case number of XXXX. I know this is a scam because a couple of months ago, I was contacted by another company stating the same thing. When I found the company online, I called the number and spoke to the owner. He told me that he has been getting calls from ppl using his company name fraudulently. That company was XXXX debt collection. They said the same thing and then when I called back to let them know I knew it was a scam and that I had reported them to the FTC, the calls stopped until this most recent call.
Consumer complaint received 2021-03-15
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. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine.

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (AZ)

This is a debt from a checking account they claim was overdrawn when I chose to leave Wells Fargo. This is a debt from XX/XX/XXXX. It was charged off in XXXX. 

FAR BEYOND THE STATUTE OF LIMITATIONS IN CALIFORNIA AND THE FEDERAL LAW. 

The collection agency indicated they have been attempting to collect for over 15 years but I never received notifications or telephone calls. I informed them that I moved from California over a year ago so any recent collection efforts would have been missed. 

They recently reached out to a relative with whom I had legally sought to protect myself from ( why I left California ). The communication with the collation agency encouraged the relative to locate me to deliver the message from the collection agency. 

All over a minimal collection amount : Original debt {$1400.00} Proposed payment {$2900.00}
Consumer complaint received 2023-08-17
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX " XXXX XXXX account was opened under a different social security. '' XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-08-16
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)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Bright Capital Inc (NJ)

The bright money app takes an excessive amount of money out of my account and makes make account overdrawn. I can not use the app to cancel membership due to it crashing. I have emailed, tried contacting on phone with no response by anyone.
Consumer complaint received 2021-03-16
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 ()

Hi Team : Its XXXX XXXX Here. PayPal closed my account for no reason and will not help me with getting it back up and going. I updated my all the correct documents/bank statements. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for couple of weeks. I am here to file a report as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email on paypal account is ( XXXX ) and i do freelancing online to pay my university fees. Now its difficult for me to manage my life. Please help me into this. I shall be really thankful to you.
Consumer complaint received 2023-06-20
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I am now in a room in XXXX for XXXX I can be here till XXXX in after noon. I stayed in a room after about XXXX days I just have XXXX with me. There is no electricity in the room for some reason I called XXXX and interacted with a call center woman for about XXXX minutes Wellsfargo should use their power in California to give me back the value of XXXX dollars levied by irs.gov XXXX  checking account XXXX. They should levy the ssa.gov and probably even medicare.gov and give the value of money. I repeatedly informed this is a crime by XXXX XXXX XXXX XXXX and whoever survives using them one criminal XXXX has XXXX  my mother iniuring me with a large organization of thieves. They have XXXX my mother come up with covid rules and regulations and made lot of money selling mask but I have no money selling my book that each word using having mouth or who can put mask can use as well.
Consumer complaint received 2022-11-19
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. (VA)

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 2021-04-15
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 (CA)

Paypal closed my account for no reason they holding my money which I really need.And would not help me getting it back up and going Im not sure if this is a mistake as I assume it has to be I have not been able to get help from them for days calling holding hours on phone, This has greatly affected my business during this Covid time. I would really appreciate if you guys can help My email for PayPal is XXXX XXXX