davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XXXX of this year, I posted an advertisement on a XXXX online forum, offering my room for rent during the summer vacation. On XX/XX/XXXX, an individual named XXXX XXXX sent me an email and expressed her interest in renting my room. She proposed sending me a check as a deposit in advance. 
However, my landlord later informed me that he preferred not to rent the room to individuals other than XXXX nationals. So, I had to tell XXXX that I could no longer rent the room to her. But she told me that she had already mailed the check in my name and requested me to withdraw the check and transfer the funds to her via XXXX. I agreed her requirement without thinking too much. 
And after that, I received XXXX checks from her. The first one I received on XX/XX/XXXX was with the amount of {$3300.00} which was far more than the deposit of the room. I withdrew that check, but that check was placed on hold in my account very soon. Because it had never been added to available account, I didnt transfer it to XXXX XXXX XXXX And she told me that there was some problem with the check, and she would send me another check later. On XX/XX/XXXX, I received another check. This time the check amounted to {$3700.00}, which I promptly deposited into my BOA XXXX Bank of America ) account upon its arrival. 
Here is the key issue. In the morning of XX/XX/XXXX, shortly after withdrawing the funds, the BOA mobile app displayed the check amount as available in my account, without any indication of it being " processing '' or " pending. '' Confident that the money had been successfully deposited, I proceeded to transfer {$3500.00} to XXXX XXXX XXXX. 
But later that same afternoon, the BOA app showed that the funds from that check were on hold. It was at this moment that I realized I had fallen victim to a fraudulent scheme and that was a fake check. Without delay, I contacted the customer service departments of Bank of America and XXXX, requesting the suspension of any transactions related to XXXX and reporting the incident to the authorities. Initially, BOA issued a temporary credit of {$3300.00} ( which is the amount of the first check ) and assured me that they would conduct an investigation before deciding on further compensation. 
After a few months of investigation, I received the results of their investigation on XX/XX/XXXX, which claimed that they were not at fault and subsequently reversed my temporary credit of {$3300.00}. I have attached the letters containing BOA 's investigation results for your reference. I firmly believe that their investigation failed to address the crucial point that Bank of America informed me that the check amount had entered my available account balance before verifying the authenticity of the check. It was only after receiving this confirmation that I proceeded with the transfer, trusting that the funds were legitimately available.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-06-21
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)

2019 I discovered that there has been several properties purchased with my name and social security number in the state of Georgia. I have continually trying to reach out to the property. The XXXX police department in several districts. I have called the GBI I have called everyone that I could possibly think of to report that someone has used. My social security number to purchase these properties with my name and social security number. The address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Georgia. XXXX Upon going down to the department of records downtown XXXX. I notice that this person has more properties with my name and social security attached. To it? Not just this address but other progressions as well
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION (GA)

I was victim to online theft by someone that was convicted by the US Department of Justice for the charge off on my credit report to serve 10 years in prison. The amount is {$15000.00} from XX/XX/2019. I have supporting documents if needed of conviction.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I have inaccurate information on my consumer reports that is affecting the process of buying a house. XXXX is reporting late payments on my consumer reports from XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX  dept of human services acct # XXXX., the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; subsequent to this the law also states 15 us code 1666b timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Nobody has sent me proof nor have i received my periodic statements 21 days before the payment was due, the burden of proof is on the consumer reporting agencies and I have still yet to be proved. My next step will be litigation. Therefore, please update these accounts as paid as agree or delete.
Consumer complaint received 2024-03-06
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-23
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. (GA)

I started disputing inaccuracies on my credit report back in XXXX and informed the credit bureaus that my identity had been stolen. I was told to submit a identity theft report and I did so along with a letter with a list of account that I had no knowledge of and that were unauthorized accounts on my credit report. I noticed that they had several different forms of my across the different bureaus and informed the credit bureaus of my one and only correct name. I notice several location that I have never lived at on my report and I also informed the credit bureaus of the accurate addresses. I have provided proof of identity and informed the bureaus that there are accounts on my credit report that do not belong to me. I was told that some of the account were validated. I sent a request for validation of debt with a request for specific items and all bureaus fail to provide proof that any of the alleged debts belong to me, which they don't. I noticed bankruptcy on my credit report and informed the bureaus that I have never filed bankruptcy and requested that they remove from report. From my understanding the bureaus are violating 15 usc 1681 ( a ) ( 2 ) that states I have to give then written permission to furnish anything on my credit report. 15 usc 1681 ( b ) ( a ) ( 2 ) permissible purpose. My credit report are all over the places. Nothing matches. Account number are not the same, date accounts were opened are not the same. I don't know who did this but it needs to be fixed. According to consumer law the credit reports should have the same accurate information.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

A PayPal credit card was fraudulently opened in my name and appeared on my credit report. It was issued through Synchrony Bank/Paypal . I have never used PayPal. This is a case of fraud and police report is being filed today. Neither PayPal fraud department or Synchrony bank have been of any help with this situation at all, and they both informed me that it was not their problem.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX, XXXX, XXXX XXXX : XXXX, This account is fraudulent. I Never authorize this account. Never used the account. Never sign any documents for this account. Never Sing any online document showing my IP Address or location for this account. I never took advantage of this account. There is no proof that attached me to this account. 

I am a victim of fraud and identity theft. There is someone unknown to me that has used my personal information for diverse purposes including but not limited to obtaining financial services, credit accounts, utilities, insurance, etc. Taxes may be filed on my name in my current or other jurisdictions in the United States.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

Leased Ended with XXXX XXXX XXXX in XX/XX/2021 with XXXX XXXX XXXX  in XXXX XXXX, LA. I paid all debts and received final invoice showing XXXX balance. I do not owe any further debts.
Consumer complaint received 2023-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$720.00} {$0.00} {$720.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-05-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

In XXXX, MCM reached out to me threatening to sue for a debt that I had tried to tell them wasnt mine and was a result of my identity being stolen by my abusive mother. They didnt hear me, and only wanted the money. Scared of a lawsuit, I caved and set up a payment plan with them to avoid a suit. I have been making payments monthly for a debt that I did not create nor reap the benefits of. Now, I had a payment not go through due to my card being turned off overnight manually so that my account isnt frauded. On XX/XX/XXXX I spoke with account manager XXXX, who said that the payment would be retried overnight. When I checked with account manager XXXX later that day ( see screenshot below ), she said she wasnt sure and to wait until the next day to see if it would happen. That didnt happen, and my payment plan was voided. They have also been sending me conflicting emails about how much total is due, with varying amounts ( see images ). Their website is also misleading, showing that a payment posted after the failed transaction ( see image ). The amount of inconsistencies in this company as well as the lack of knowledge in its workers tell me all I need to know about it, and I have lost confidence that I can resolve this with them. The account wasnt mine to begin with, but I was afraid to be sued for it because my name is attached to it. The tactics they use are inhumane and wrong.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-05-26
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 (MO)

Dear PayPal Support Team, I am writing to appeal the recent blocking and limitation placed on my newly registered PayPal account. I believe there may have been a misunderstanding or mistake in the assessment of my account, and I kindly request a thorough review of the situation.

As a new user, I am eager to utilize the services provided by PayPal and follow all the rules and regulations outlined by the platform. However, I was surprised to find my account blocked and limited without any prior warning or explanation.

I assure you that I have not engaged in any activity that violates PayPal 's terms of service or poses a risk to the security of the platform. I understand the importance of maintaining a secure environment for all users, and I am committed to upholding the integrity of PayPal. 

I kindly request you to provide specific details regarding the reasons for the account blockage and limitation. Additionally, I would appreciate any guidance or instructions on the steps I need to take to resolve this matter and regain full access to my account. 

Please note that the email address associated with the blocked account is XXXX. I kindly ask you to communicate any updates, requests for information, or further instructions regarding the appeal process through this email address. 

I am more than willing to provide any necessary documents, information, or clarification to verify my identity and address any concerns that may have led to the account blockage and limitation. I value the services provided by PayPal and would like the opportunity to continue using the platform for my financial needs. 

Thank you for your prompt attention to this appeal. I trust that the matter will be resolved in a fair and timely manner. Should you require any additional information or have any further questions, please do not hesitate to contact me. 

I appreciate your understanding and assistance in rectifying this issue. I look forward to a positive resolution and being able to resume using my PayPal account. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (HI)

We have been in for closure with Wells Fargo for over a decade. They initiated foreclosure even though they had enough money to make loan current. They have refused or returned any payments made. They have not approved over XXXX mortgage modifications that we were qualified for. They have delayed, lost applications etc for other applications. For a period of XXXX years they never answered and attempts to communicate with my home Preservation specialist who in fact just actively delayed, confused and blocked communication with this family. We have spent {$30000.00} on legal fees and currently out lawyers have found defects in the contract that will probably cause wells Fargo to have to start legal action to take the house again. We have suffered major stress related issue XXXX XXXX currently these XXXX XXXX senior citizen are going to be homeless when they file again. Help please! We heard about the settlement. Could we get legal fees, pay off note ( {$270000.00} ). Anything we are desperate. Thank you
Consumer complaint received 2017-09-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I had a consumer loan with XXXX XXXX XXXX XXXX for the purchase of an auto, although it was a personal loan consigned by a friend, as I had not had or needed any credit for the past 12 years or so ... ..my score was in the XXXX, showing no activity. I needed some credit, so received the loan and proceeded to build my credit. Prior to the hiatus in activity, my credit was perfect ... .. 
After two years of perfect payments, I asked Equifax to update my credit report in XX/XX/XXXX ... ..in the meantime, the originator of the loan, XXXX XX/XX/XXXX , was bought out by XXXX XXXX XXXX XXXX . In the process of updating, Equifax was unable to contact XXXX, so they took it upon themselves to REMOVE MY 2 years of perfect payments from my record. I asked them to put my 2 years of credit history back on my report, they refused ... .I asked again, they refused. I then asked XXXX XXXX XXXX to put my history on my report ... ... they refused, even though my account was transferred to them during the takeover. MY SCORE, THAT I WAS TRYING SO HARD TO BUILD, DROPPED 40 POINTS, because Equifax could not contact XXXX ... ..but it plainly shows on XX/XX/XXXX credit report with Equifax. I feel this is very unfair to me and is very discouraging ... ... now I am wanting to buy some Real Estate, but my score is 40 points lower than it was ... ... .Help PLEASE ... ..!