davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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: W&A Intermediate Co., LLC (FL)

In accordance with the Fair Credit Reporting act, WAKEFIELD AND ASSOCIATES is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
Consumer complaint received 2023-06-10
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: LEXISNEXIS (UT)

XXXX XXXX XXXX AND LEXISNEXIS IS CURRENTLY LISTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY PERSONAL CONSUMER REPORTS. 
AS I HAVE REPORTED TO THE FEDERAL TRADE COMMISSION ID THEFT REPORT.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I have a credit card with USAA. I opened the account with a balance transfer and only intended to use the account to slowly pay off the balance without ever intending to use the card. After several years of payments, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeared on my account that I never made. The charge was refunded on XXXX XXXX XXXX but since that date I have been charged purchase interest on that transaction every month. 
My first call to USAA was in late XX/XX/XXXX to dispute the purchase interest. I told them I wanted a fraud investigation started and the purchase interest stopped. I was told that the only way to stop the purchase interest charges was to pay my balance in full. The account balance is several XXXX dollars. I told them that was unacceptable and ended the call. No further communcation was received from USAA. 
Every call to USAA requires XXXX min to as much as XXXX hours to get through and be transferred several time until you can get the right dept. 
On XX/XX/XXXX I called USAA and after XXXX or XXXX transfers, I was told that the member resolutions team 's computer was down and I would have to call back later. 
On XXXX XXXX XXXX I called and after only XXXX minutes I got someone that understood the problem but she put me on hold and when she came back her microphone was garbled, then I went back to hold music, then garbled mic and suddenly I was back at the beginning and had to explain the problem again a person that then transferred me to the " stop payment dept '' where the prompt said the wait was XXXX min or longer. I hung up. 
On XXXX XXXX XXXX I called and spoke to a woman that advised me a fraud claim was never filed, but she would start XXXX now. She refunded me XXXX month of purchase interest and promised me a letter would be sent to me in XXXX to 5 days stating the results of the claim. No letter was ever received. 
On XXXX XXXX XXXX  I called and after about an hour I spoke to XXXX XXXX in member resolutions. After another XXXX min on hold, she advised me that I would have to send a letter to USAA Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She advised the letter had to all the details again. 
On XX/XX/XXXX I sent the letter. 
On XX/XX/XXXX I never received any reply but XXXX finance charges were reversed totalling {$25.00}. 
On XX/XX/XXXX The purchase interest charge is still being added to the acct. 
On XX/XX/XXXX USAA added XXXX charges totaling {$24.00} listed as " adjustment to account '' without any explanation. 
Further statements in XX/XX/XXXX and XX/XX/XXXX show they are still charging purchase interest. 
It is very apparent on my account because I don't use the card but this is probably happening to thousands of their customers without them even knowing!!!!
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against PayPal regarding an unresolved unauthorized transaction claim that has led to significant financial inconvenience and an unjust negative account balance. Despite providing substantial evidence supporting my case, PayPal has failed to close the claim in my favor, leaving me in a deeply frustrating situation. 

On XX/XX/16, a sender had filed a case with PayPal claiming that they did not authorize a payment of {$100.00}, which they willingly sent. I responded to the case providing a screenshot of communication between the sender and myself to support my claim. 

It is important to note that the sender of the funds in question falsely made a claim to recover their funds, despite the transaction being authorized. I am deeply disappointed that PayPal did not conduct a thorough investigation to assess the credibility of both claims, instead favoring the senders baseless request and overlooking my solid evidence. 

Furthermore, the lack of a fair resolution has resulted in my PayPal account balance being unjustly set to a negative amount. This negative balance poses significant inconvenience and distress, preventing me from conducting transactions on the platform. 

I strongly believe that PayPal has a responsibility to thoroughly investigate claims and provide a fair and just resolution for its customers. 

I trust in your organizations commitment to consumer protection and fair business practices and look forward to a prompt and fair resolution to this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-12
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. (FL)

I have submitted a dispute several times about the XXXX Account reporting inaccurate information and also providing transaction history on my consumer report. 

Each time Experian has verified that the information is correct. 

I have proof from the creditor that they are not reporting the inaccurate information to Experian this is beyond unacceptable unfair practices
Consumer complaint received 2023-01-21
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: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-21
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

I went to Simmons Bank in XXXX, AR because I had called and spoken with Simmons Customer Service who told me that I could apply for a XXXX XXXX. When I arrived at the bank, XXXX XXXX told me that I would have to come back on XX/XX/XXXX and I did explain what they told me on the phone but she said I could not apply until XX/XX/XXXX. I called Simmons Customer Service back approximately two weeks later and was told that I would have to come back on the same date. On XX/XX/XXXX, I wen through the drive through in XXXX and was told by a male that I would have to come back the next day and they would have all of the paperwork completed and I would just need to sign it. When I cam back the next day. XXXX XXXX told me they had charged it off and she would talk to the backend to reopen and would call me. I came back through the next day because I did not hear from her and she said the same thing. I came back again and she said the same thing. Now, my account is closed.
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (OH)

PHH, my mortgage company, added a {$500.00} charge for a " Special Assessment '' in XXXX. 

I never approved this charge or appraisal. 

I also was charged {$30.00} for a payoff fee. 

I never approved this charge, either.
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (NJ)

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.
Consumer complaint received 2023-01-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (WI)

In your letter ( XX/XX/XXXX ) you stated " we were able to confirm application XXXX was declined due to inadequate collateral and a letter was sent to you on XX/XX/XXXX advising you of the decline. You do not show that application number in your stated applications contained within this letter. Did you mean # XXXX? If so, that's XXXX, then follow by saying you sent a letter with denial in XXXX!?
Consumer complaint received 2023-01-21
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: Kikoff Inc. (MD)

'KIckoff is reporting information again not Condusive to 15 U.S.1681a ( 2 ) ( a ) ( i ) Exclusion of Transactions and Experiences Particularly Late Payments as so much No Written Authorization Given to Disperse Information to Various Agencys, Bureaus and the Likes ''
Consumer complaint received 2019-02-01
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. (TX)

Unauthorized Credit Inquiries : XXXX XXXX/XXXX Co Dual Card inquiry XX/XX/2017 P.O. Box XXXX XXXX, FL XXXX XXXX XXXX Inq. XXXX P.O. BOX XXXX XXXX, FL XXXX XXXX/ XXXX XXXX Inq. XX/XX/2017 P.O. Box XXXX XXXX, Fl XXXX XXXX/XXXX Credit Inq. XX/XX/2017 P.O. Box XXXX XXXX, MD XXXX XXXX XXXX Inq. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Inq. XX/XX/2017 P.O. BOX XXXX XXXX, TX XXXX XXXX XXXX/XXXX XXXX Inq. XX/XX/2017 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I opened two savings accounts with Capital One on XX/XX/2023. I made my first deposits ( {$100.00} ) to both accounts. Both were immediately frozen the following day. After a few weeks, my funds were still listed as currently not available for withdrawal. I assumed it was normal for a new user, but after a month of having this message, I began calling Capital One to inquire about the status of my savings accounts. 

The number provided on their account message ( XXXX ) directs you to Capital Ones Customer Service line. After clarifying my accounts information, it directed me to a customer representative which is actually a voice message that instructs you to leave you name, number, and issue as a voicemail and wait for a call back. Another week went by and I had not received a call back, nor access to my savings. 

It is now XX/XX/2023 and my savings accounts are still not updated. I have called Capital One several times, using different lines listed on their site to get someone to clarify what is happening. I have not received a consistent response. On XX/XX/XXXX, I was told that it could take up to 60 days from the account being frozen to receive a check after theyve investigated my account. I do not know what could be investigated being that I only made one deposit. It has also now been more than 60 days ( it has been 90+ days ). 

I need answers to these circumstances as I have been in the dark since XXXX. I have not had access to the money I deposited nor do I feel comfortable continuing my savings relationship with the bank.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX fraud alert was made to Wells Fargo in my account, ALL transactions were pending so Wells Fargo could not cancel/stop/help XX/XX/XXXX account was hacked- money stolen via XXXX XXXX XXXX the Hacker was able to also make mobile deposits via 2 checks - one for {$1500.00} another for {$400.00}, at which time wells Fargo flagged the checks, while pending the positive check deposit in my account the hacker was allowed to access funds IMMEDIATELY AND SELF PAY VIA XXXX {$400.00}, to a XXXX XXXX- The bank was NOTIFIED IMMEDIATELY of fraud activity XX/XX/XXXX all while pending and cleared XX/XX/XXXX funds were GONE- Wells Fargo denied the XXXX {$400.00}. Due to being verified via Token method but hackers were able to gain FULL ACCOUNT ACCESS BY logging on making/sending these transactions all simultaneously one after another!! WELLS FARGO will still not provide a clear answer to allowing this fraud to happen or refund my money- this is unacceptable and my money was stolen!! Wells Fargo PLEASE return my money ..THIS IS MY MONEY YOU allowed to be taken!
Consumer complaint received 2023-05-12
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: LEXISNEXIS (CA)

LEXIS NEXIS and its parent company XXXX XXXX committed multiple crimes such as 18 U.S. Code 241, 242, copyright and trademark infringement ( 18 U.S. Code 2319 & 15 U.S. Code 1114 ) for using XXXX XXXX XXXX XXXX without written consent, and many more. 

Fraudulently reporting without written consent ( 15 U.S. Code 1681b ( a ) ( 2 ) ) and also a Fake Credit Bureau ( 15 USC 1692a ( 1 ) ).
Consumer complaint received 2023-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

In XXXX XXXX XXXX my student loans were with XXXX when I requested a refund of the voluntary payments I made during the pandemic freeze. This refund amounts to roughly {$8000.00}. 

In XXXX of XXXX, I received the first {$2100.00} through XXXX but then my loans were transferred to Mohela. Where my refund has been stalled. Mohela said they couldn't see the refund request and that I needed to resubmit it, which I did. This was frustrating since I could see the full amount of {$8000.00} already back on my student loan balance. 

In XXXX of XXXX, I called Mohela for an update on my refund where they had trouble locating my refund request. After over an hour on the phone and multiple transfers, they located my refund request and said it would take 90 days to process and that it's under investigation. 

In XXXX of XXXX, I called Mohela back which is after the 90 day wait, and I spoke with a supervisor who said she only sees a refund of {$5800.00} in the system and isn't sure if this amount is in addition to the refund I already received ( {$2100.00} ) or is the total, which would mean now they don't see the refund amount of {$8000.00} that I requested. So I asked for a payment history which they responded would take XXXX days to just receive that information. They also said they are expediting my refund request which would take another XXXX days. 

I have called Mohela dozens of times over the last 6 months and every time I ask for an update on my refund, they keep pushing back the request by XXXX days. This is unacceptable since the {$8000.00} I requested back is already showing back on my student loan.
Consumer complaint received 2023-01-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NC)

Hello! 
I am writing regarding my application with Aidvantage under the new Joint Consolidation Separation Act which XXXX XXXX passed on XX/XX/2022. I applied for consolidation on the XXXX XXXX XXXX website and selected XXXX as my service provider. Aidvantage was not even listed on the application to select and receive a notification when it was submitted. XXXX is currently my service provider and has submitted paperwork to Aidvantage to process my application for PSLF. I applied on XX/XX/XXXX, which would allow me to be considered with the Limited waiver policy with the XXXX. 
I have contacted Aidvantage for over a month trying to find out the status of my application for the Joint Consolidation Loan Separation Act. 
I have received two notifications that my application with Aidvantage has been canceled and denied because it is a spousal loan. I have tried to inform Aidvantage that my application should be reinstated due to the new Act which I applied for before XX/XX/2022. 
I feel my application needs to be reviewed and sent to XXXX for processing under the PSLF program. My PSLF application with XXXX was approved on XX/XX/2022, and just need Aidvantage to submit my information to XXXX.
Consumer complaint received 2023-01-21
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-05-12
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. (TX)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 2023-01-21
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: Paramount Recovery Systems, L.P. (TX)

XXXX is inaccurately reporting debt not belonging to me as a collection XXXX XXXX Times for same amount. This account I am not aware of an it is appearing on my credit report XXXX times for the same date and amount XXXX must correct this error and stop the inaccurate reporting of PARAMOUNT RECOVERY SYSTEMS and XXXX XXXX XXXX XXXX XXXX must delete the duplicated reporting from my file.