davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (VA)

on XX/XX/2023 i contact LEXINGTON LAW, looking for some help for try to improve my credit score. they told me that they can help me in this matter. they told me also that they can improve my credit score by XXXX to XXXX point in 60 days. the cost was {$130.00} and i need a credit card or debit for auto payment.. so, i enroll in the program. but after 5 month my credit score go down instead of improve. i look in my accont to see what are thy doing but almost i saw only, '' analizing, or waiting for respose, i paid arround XXXX dollars to see my credit going down. i try to cancel on XX/XX/2023 but they told me that i need to pay XXXX more to cancel. i just call my credit card bank to freeze my card to avoid more charges.
Consumer complaint received 2023-05-17
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. (MO)

Hello, I recently pulled my credit report to try and buy a home and noticed damages on my credit report, As well as multiple inaccuracies. With the damaging credit report, I was not able to move forward with my applications for my family home. In accordance with 15 U.S.C 1681 there should not be anything damaging on my report, it is defamation to my character. As well as 15 U.S.C 1681 602 ( a ) Accuracy and fairness of credit reporting. 

I did dispute all accounts on XX/XX/XXXX asking for validation on debt they came back XX/XX/XXXX as verified or they updated the accounts. and put me past due on XXXX account which shows open in XXXX. Consumer reporting agency may not report outdated negative information that is more than 7 year this account is showing 7 years and 4 months. account they did not validate
Consumer complaint received 2021-01-02
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)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-11-28
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 am submitting this CFPB complaint to you today to request to you, once again, to remove the negative description that you report on my Credit File. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. Also, you have been failing to send me copies of verification or documents resulted from your investigation, and yet you continued to report these accounts as verified which is a clear violation of my consumer rights. I need you to remove the negative marks from the accounts or completely remove the disputed accounts.
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TRANSUNION DISPUTE. THE FOLLOWING INQUIRIES ARE NOT MADE BY ME AND I WOULD LIKE THEM TAKEN OFF MY CREDIT REPORT.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Dear XXXX XXXX, I am writing to file a formal complaint against XXXX XXXX for inaccurately reporting late payments on my credit report ( Account # XXXX ) in XX/XX/XXXX and XX/XX/XXXX. There are XXXX of the same credit cards reporting on my credit that are both inaccurate. Both reporting late payments that dont align with either account. See screenshots of the credit bureau blatant error. Given XXXX XXXX 's track record of negligence in handling similar cases, I demand the immediate removal of the inaccurate late payment information from my credit report. I also request a valid explanation for the errors. If corrective action is not taken within 30 days, I will explore legal options, including seeking damages in small claims court. I expect prompt investigation and enforcement action by the Consumer Financial Protection Bureau. Thank you for your attention to this matter.
Consumer complaint received 2023-08-18
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 (AL)

Paypal sent an email stating that my account was being restricted due to inactivity. The email and letter both stated that I would not be able to either remove bank, credit or debit cards or close the account. Honestly, I thought the email was a scam until I logged into my account. 

I am not able to use the account and yet I can not remove Paypal 's access to my bank savings account and I can not close the account. Repeated calls to Paypal 's customer service are just as circular in logic as the email - can not use the account nor remove access to my bank account nor close the account. 

My fear is that someone will eventually be able to extract money from my bank savings account without my authorization. It is highly likely Paypal would not take responsibility for the unauthorized transaction in that event.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (AL)

I previously had a issue with unauthorized charges in my account. I found out one of the charges were made by my XXXX  ( a minor under XXXX ) that I adopted. I called in to inform apple that I wanted to cancel XXXX of the disputes. I was told that I couldn't because my account was under review. 
I have reached out several times to find out the status. I was told that XXXX of the agents placed pending deceased by my name. I'm horrified to know that verbiage is associated with my name, especially with me being healthy and alive. This issue is causing me delays with an upcoming vacation I had planned for the kids.
Consumer complaint received 2022-11-21
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. (OH)

XX/XX/2022 I called XXXXXXXX XXXX XXXX to ask if I paid the account I dont think I am responsible for if itll be deleted from my credit report the agent said no. I then asked if XXXXXXXX XXXX  XXXX would sue me in court for the {$810.00} they claim I owe. The agent said she doesnt know what XXXX XXXX do. I asked if XXXXXXXX XXXX XXXX owned the account. The agent said no, XXXX owns the account, and we are a XXXX party collecting on their behalf. My credit report show XXXX as the original creditor, implying XXXX XXXX  XXXX is now the creditor. The agent began to say hello as if she couldnt hear me and ended the call.
Consumer complaint received 2023-06-02
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. (FL)

This is my several letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : A. the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from the alleged identity theft.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC (NY)

I was not aware of these annual fees, and this has been a poor experience told that they were waving it and has not. Been done took me serval phone calls to now reach out here to express my concerns.
Consumer complaint received 2024-08-08
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. (NC)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc (OH)

I had an account with bright money at the time it was done they took {$40.00} out of my checking account for one thing and {$10.00} for something else it was not authorized I called wrote the company told them they close that account and to refund my money this was on XX/XX/XXXX they said it would be refunded within five business days and the money has not been returned to my account
Consumer complaint received 2023-05-23
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I tried to open an account with my local credit union and was told that I'm in the chexsystems, I pulled my chexsystem  report and it shows that XXXX XXXX  if reporting a debt owed to a checking account, I never applied for a santander checking account, I don't have a XXXX XXXX  in my area, the closest XXXX XXXX  near me is more than XXXX miles away, I need validation of the debt, I need the XXXX contract showing my signature and I need proof that this account was opened by me XXXX XXXX, I am a victim of identity theft and this account was opened under fraudulent pretense. remove this account from my chexsysttem report or I will file a suit.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contested these issues before. This is the 4th time now. I have submitted the following letters to all three bureaus. XXXX Transunion and XXXX. 

I am submitting a copy of the letter sent to all three bureaus for each of the following creditors showing on my accounts. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX and XXXX XXXX. 

letters were sent on XX/XX/XXXX and XX/XX/XXXX. There were letters sent before these. I have received correspondence from XXXX Transunion and XXXX with no changes to my reports To : XXXX -- -XXXX  XXXX -- Transunion XXXX : XXXX XXXX -- -- XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

I have submitted a letter stating the above collection or credit companies need to be deleted from my credit profiles. None on these agencies have sent any letter prior to placing negative information on my credit profiles which is a violation according the the Fair Credit Reporting Act. They were required to send this letter to me as a part of assuring maximum accuracy on my reports There are showing incomplete areas which to assure maximum accuracy of my report should be completely filled in as they are showing several blank spaces where open and closing dates are. ending dates and several other blank spaces which are shown on the copy of the reports I sent. ( Copy of letter enclosed ). I am requesting these companies be deleted from my profiles with XXXX XXXX and transunion. XXXX XXXX is showing two different entries to make it look as if there are two different accounts. One account has transunion and another account has XXXX  and XXXX. XXXX XXXX has never sent a letter prior to placing negative information on my account which is a violation. i have sent a letter to XXXX XXXX which shows two listings of 30 days late each. Please update these two listings as PAID AS AGREED never late. I have never been sent a letter prior to placing this negative information on my account. 

If i can not get this information corrected I will obtain counsel. this keeps going round and round and the information still remains on here. 
I have asked that inquiries I have not made be deleted. the only inquiry I have is XXXX XXXX. I did not make any inquiry to XXXX XXXX -- -XXXX  or any other company. I have asked that my names be corrected. My name is XXXX XXXX or XXXX XXXX XXXX. I have not gone by any other name. I have asked that addresses be corrected. I have one address. You show addresses for me at several other addresses. I am asking you for the final time to remove these addresses. I am not associated with them and do not reside and have never resided in any of them. I have been at the XXXX address for over 25 years.
Consumer complaint received 2021-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been calling for 6 months straight to Bank of America in search of help from them in resolving a $ XXXX fraudulent charges they did an investigation and sent me a letter stating they suspect fraud and denied my claim.Ive been calling everyday for months to be put on hold for 2 hours then hung up on every single time and when i tell the next worker day after day it dont matter they dont care and they just say there is n it hung they can due that u have to talk to claims. Instead of helping my they have made tho uninstall so much worse by freezing my account instead of putting the money back. I would like my money back and they should be shut down they also fraudulently took my house by guiding me into a foreclosure so they could take my house which they did. I would never had went back on my payment I was never behind but they recommended it to qualify for making to ur home affordable plan and they denied me and sold my house auction day in day 90 of being behind. I lost everything over that plus my {$30000.00} I just put into remodeling my home and now the tenants I rented to pay the new owner faithfully every month for years on time so Im missing the income I once had because of them and their dirty methods and tricks
Consumer complaint received 2023-05-23
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)

There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The inquiries that are fraudulent are as follows : XXXX XXXX from XX/XX/ ; XXXX XXXX  inquiry from XX/XX/ and then there is XXXX inquiry on XXXX. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (NC)

XXXX XXXX XXXX XXXX  Account Current Balance : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Account Current Balance : -- -- XXXX Account 's Date Opened : -- -- XX/XX/XXXXXXXX XXXX XXXX XXXX- Account Current Balance : XXXX XXXX XXXX XXXXXXXX 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT COLLECTION SERVIC-Account Current Balance : XXXX XXXX XXXX XXXX Account 's Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I HAVE SENT FTC REPORTS/POLICE REPORT AND HAVE WROTE LETTERS AND SENT THEM VIA MAIL for investigation! Also I have placed a freeze on my credit report until the investigation is over.
Consumer complaint received 2021-02-10
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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (TX)

cant add interest or fees, or charges not authorized in the original agreement.Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alledged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA
Consumer complaint received 2017-04-03
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

In XX/XX/XXXX/XX/XX/XXXX I went into pre-foreclosure with Wells Fargo Home Mortgage. At that time the balance on my home was approximately {$140000.00}. I requested a loan modification from Wells Fargo which was approved however, they started the term over on my loan and the new balance was more than the original amount owed on my home. I had requested a breakdown of all fees associated with the modification and never received anything. I want this investigated because it seems that the modification was more in favor of the bank and Wells Fargo has been know to have some questionable practices. I am currently still in my home but owe more than it is worth at this point due to the modification.
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rubin & Yates, LLC (NH)

I am getting harassing phone calls from a debt collection agency who represents their self as a law firm saying I owe money to a company I never heard of. I did have a payday loan several years ago but it was paid as agreed at the time. This agency has even called my work place & only has a recording, not a real person, asking me to call another #. I called the # & was told I owed money to some payday loan which I do not. They asked me to prove I did n't owe the money & I told them to prove I did. They became very rude & I just hung up.