davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (NC)

This is my 3rd 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 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 : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-20
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-20
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-19
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: Spring Oaks Capital, LLC (IL)

This Account is not mine and never has been mine at no point in time. I called Spring Oaks Capital , LLC and have gotten nowhere. I'm XXXX and I'm being taken advantage of. I even asked for a contract or signature that they cant provide and I know that that's in violation my rights. Can You Please Help?
Consumer complaint received 2022-12-14
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)

Unlawful activity was reported on my credit report cause me to not have credit incorrect information was reported an Equifax by XXXX XXXX an XXXX XXXX XXXX debt from me that I have no knowledge sents XXXX never have no knowledge about any account Equifax allow them report this on my credit report I requested that XXXX XXXXXXXX an XXXX XXXX should be removed from my credit report due to cause me to suffer from bad credit they should be removed off my credit report XXXX not who reported this incorrect information reported me deceased illegally state someone reported me deceased I should half to go through this data breach I was exposed never received my settlement check from Equifax lease remove them off my report
Consumer complaint received 2020-12-20
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. (NY)

The reason for this complaint, is because Equifax has repeatedly failed to address my concern and are acting in negligence. An account reporting on my Equifax credit file by the name of XXXX XXXX XXXX has been disputed numerous times for lack of validation. I have asked Equifax to conduct a reasonable investigation to which I receive automated responses stating that the account has been verified. See attached Confirmation # XXXX I have reached out to XXXX  XXXX XXXX to resolve this dispute to no avail. My last attempt was dated on XXXX XXXX where I made a request to XXXX XXXX XXXX to validate the debt. I never got a response. 
Letter sent on XX/XX/XXXX to Equifax to investigate the fraudulent account XXXX sent on XX/XX/XXXX to Equifax to re-investigate the fraudulent account Letter sent on XX/XX/XXXX to Equifax to request how the account was verified. 
Letter sent on XX/XX/XXXX to XXXX XXXX XXXX to validate the debt. Never got a response. 

I have done my due diligence to reach out to the creditor and Equifax, but I have yet to see any form of validation for this debt/account. If this complaint does not resolve my request, I will move forward and file a claim in the XXXX District Court of New York.
Consumer complaint received 2020-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (SC)

On XX/XX/2020 the North Carolina Department of Commerce deposited 2 checks for my girlfriends P.U.A. Covid relief unemployment benefits into my PayPal account and as soon as they were deposited Paypal put a permanent limitation on my account and is wanting to part ways and keep my money for 180 days. These are Unemployment benefits that came from the government and Paypal clearly states that there services can be used to have your government benefits deposited into a account with them. We have no means on paying our bills or anything because they are holding all of her covid payments which is {$16000.00}. 
XX/XX/2020- {$1800.00} XX/XX/2020- XXXX I provided them my government ID and everything they wanted and even proof of my girlfriends benefits and they just keep saying exssive risk and they want return the money or anything. I've also filed a complaint with the XXXX on XXXX XXXX2020 case # XXXX
Consumer complaint received 2022-05-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (CA)

I opened an account with Current ( Finco Services Inc. ) on or around XX/XX/2022. I initially made 2 small deposits to establish the account and ensure everything was working correctly. Next I created and funded 3 " saving pods '' with dollar amounts close to the {$2000.00} maximum per pod. Within 24 hours of accepting the deposits Current closed my account.

Following an internal review of your account activity, we are exercising our right to permanently close your Current account, and if applicable, your linked Current teen account ( s ), pursuant to the Account Agreement, Section C, Article 12. We are also terminating your access to any Current services, and this decision can not be appealed. 

I did request further information and was sent the following reply : We dont generally provide specifics related to the difficult decision to close your Current account. However, please know an objective and detailed analysis of account and transaction history, along with intelligence collected from sophisticated external sources, supports our decision to part ways. Based on this analysis we strongly believe appropriate action was taken. 

Current has now informed me they will only release my money after receiving a hold harmless letter via email from XXXX XXXX. XXXX will provide the letter to the account holder but due to security concerns will not email it to Current. Current informed me they will only accept an email from XXXX ; therefore, they won't return my money. Current did send three auto emails to me this morning, XX/XX/2022, stating the deposits had been settled and the are funds available. After I received the emails XXXX at Current has confirmed they will not release any money until XXXX emails them a hold harmless letter.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a certified factual dispute letter to Transunion that was received by them on XX/XX/XXXX at XXXX. I called two weeks later to check on the status and the representative told me they had no dispute open. I waited another 2 weeks and called back to see if anything changed. That individual told me that they did not have any investigation opened. I have receipt of them receiving my letter. There are several inconsistent items on my credit report that are hindering me from moving forward in the homebuying process. I spent money sending the letter certified and I have absolutely no faith that they did not receive my letter. I am including a copy of the letter sent with visual proof of incorrect items, as well as delivery receipt.
Consumer complaint received 2022-05-13
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)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until Jun 2022 700 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations XXXX addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$590.00} written off. 
XXXX XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX XXXX account. $
Consumer complaint received 2020-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XX/XX/2020 I sent out a letter to Trans Union, XXXX  and XXXX, notifying them that after checking my credit report there were several credit inquires that I did not authorize on my credit report. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days i sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are XXXX XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2024-03-08
Product: Credit reporting 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. (NY)

I'm a victim of fraud and someone used my personal information to attempt to collect credit products in my names. Does inquiries Consist of : XXXX XXXX XXXX XXXX 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 2022-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NY)

Regarding Affirm loans XXXX & XXXX. As scheduled, I submitted my monthly payments to be drafted from my checking account. 

In the affirm system I could see that my loan was current, then after a couple of days - I'd see that the same payment did not " save '' in their system. After numerous attempts of contacting their customer service department, I do not have any proof provided from affirm that they actually attempted to withdraw the funds from my account. It appears they've essentially deleted my payment and changed the loan status in their system. This is not an NSF or return issue, because they did not even attempt to withdraw the money from my account. 

My credit is now being severely impacted, Affirm is claiming they have not received payments in two months. 

This is unfair because I rightfully made my payments in a timely fashion, and their system did not retain, nor notify me of the reasons why the payment did not attempt to draft from my account.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Fraudulent charges occurred on my account from XX/XX/2022 to XX/XX/2022. I was out of town and not even in California. I contacted Wells Fargo on XX/XX/2022 to alert the bank. The employee marked which charges were fraudulent and ordered a new debit card. I received a letter stating that the bank did not view the charges as fraudulent and would not reimburse me for the money taken out. The letter did not state the correct dollar amount and stated that my pin was used to make the charges. This claim is incorrect. When filing the initial complaint, the banker noted that my pin was not used on the charges. The following charges are fraudulent : XX/XX/2022 XXXX 's {$64.00}, XX/XX/2022 XXXX  {$1.00}, XX/XX/2022 XXXX {$0.00}, XX/XX/2022 XXXX XXXX$13.00}, XX/XX/2022 XXXX XXXX {$12.00}, XX/XX/2022 XXXX XXXX {$16.00}, XX/XX/2022 XXXX XXXX {$44.00}, XX/XX/2022 XXXX  {$150.00}, XX/XX/2022 XXXX XXXX {$69.00}, XX/XX/2022 XXXX {$35.00}. Due to the fraudulent charges, I was also charged a service fee of {$10.00} on XX/XX/2022. I contacted the bank again to discuss the claim and the banker filed another claim. I followed up on XX/XX/2022 since I had not received any updates from them. The banker was unable to reach a supervisor to assist me further but stated she would have one call me. The supervisor called and left a voicemail. I have now called and left three separate voicemails for the supervisor with no response. The employees over the phone can not provide any information as to why the bank has taken longer than the allotted 10 days to process my claim. These charges are not mine and the bank guarantees to protect my account. The entirety of the charges, {$410.00}, plus the service fee of {$10.00}, needs to be refunded so I can close my bank account. No one will give me any answers.
Consumer complaint received 2020-12-22
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

Around XX/XX/2020 I wrote and debt dispute and Cease and Desist Letter To Rushmore Loan Management Services. After receiving this request Rushmore Loan Management Services still called me XXXX time after the request. Rushmore Loan Management Services called on XXXX, XXXX, and XXXX. Rushmore Acknowledged they received the cease and desist request in a letter dated XXXX. 
The phone calls caused me a lot of stress and I am still hurt by the company 's actions.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

In early XX/XX/2022, I was alerted to potential fraud on my Citibank credit card. I placed a call to customer service and advised that I had received both a text and email. The representative I spoke with advised there had been a {$3000.00} transaction via a Citibank issued balance transfer check. This was fraudulent as I made no such transaction. I believe my mail was stolen and someone used a check that had been sent to me. The representative advised that I would receive a letter in the mail with further instructions. He also closed my card and reissued a card with a new number. I received the new card, however, I did not activate it. I never received a letter. 
In late XX/XX/2022, I was alerted to potential fraud via email. I again called Citibank and also checked my online account. Another check had been written on my account in the amount of {$1000.00}. I attempted to resolve and get an understanding of my fraud dispute, however I was told the representative could not access my account because it was locked and they would send me a letter with a code to unlock it. I received the letter over a week later in early XXXX. I called the fraud number within the letter and provided the code. I also went to my online account and saw that I had been charged an additional XXXX in transfer check fees. Total now is XXXX fraudulent charges. I was transferred to XXXX different representatives, and neither could tell me the status of my fraud dispute. I asked that I receive an update as soon as possible as my credit score was being impacted by the high spend ratio on my account. I was told I would receive a letter and am waiting, however I am not hopeful anyone at Citibank is taking any action. I also asked that my account was noted OPT OUT of any transfer checks by mail or otherwise. I was transferred to a third representative that assured me I was now opted out. 
I logged into my online account today and noted I am being offered an increase to my spend capability. I also noted that my account shows no disputes registered! " You havent reported any fraud on your account. '' This back and forth has been going on for over 45 days and XXXX telephone calls to Citibank with no resolution. I need my fraud case investigated and fraudulent charges removed from my account. 

Details : XX/XX/2022 BALANCE TRANSFER FEE {$90.00} XX/XX/2022 BALANCE TRANSFER FEE {$30.00} XX/XX/2022 INTEREST CHARGED TO STANDARD XXXX {$17.00} XX/XX/2022 INTEREST CHARGED TO XXXX {$0.00} XXXX XXXX, 2022 ONLINE PAYMENT, THANK YOU {$75.00} XXXX XXXX, 2022 XXXX XXXX CHECK # XXXX {$1000.00} XXXX XXXX, 2022 XXXX XXXX CHECK # XXXX {$3000.00}
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (CO)

I requested a Payoff statement on XX/XX/2021. Instructions directed me to send a cashiers check to a particular entity ; Chicago Mortgage dba Interfist. I sent the check but Interfist endorsed it incorrectly, due to their servicing company : XXXX XXXX. Since the endorsement didn't match the " Pay to '' the bank flagged the check and put a HOLD on it. Now, Interfirst refuses to give me the check back or correct the endorsement and insists that my account is overdue and I should WIRE THEM THE MONEY AGAIN. They have {$290000.00} of my money and it has not been credited back to my bank ( XXXX XXXX  XXXX ) Interfrist Acct # XXXX
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keystone Credit Collections Inc. (PA)

XXXX XXXX XXXX claims issued a debt to me in the amount of {$1000.00} for unpaid taxes and fees for XXXX for the XXXX XXXX XXXX XXXX and the Township of XXXX XXXX. I was not a resident in XXXX and thus, I do not qualify for taxation in XXXX. This is an invalid debt which they claim I owe. I moved to the area in mid XXXX. 

I believe they are attempting to collect more than they are due. There should be a penalty for these false positive attempts ( and unverified ) and they could trick many consumers.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX