davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

Pursuant to my consumer rights under FCRA 1592 ( g ) I am the original creditor. As the original creditor I do not validate this debt and it should be removed. The law also states that accounts are voluntarily reported. There is no law that states that a account has to be reported. It is always up to the company 's discretion to remove it. This account is not valid and should be removed from my credit files. Wells Fargo is in violation of my consumer rights by failing to provide original debt validation documents as requested and failing to remove this account. PLEASE STOP SENDING COPIES OF CONTRACT, COPY OF A ONLINE APPLICATION AND COPIES OF DATABASE TRANSACTIONS as that is not valid verification under the law. As I am the original creditor I am demanding for this account to be removed immediately.
Consumer complaint received 2021-06-25
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 (NV)

PayPal suddenly closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. They suddenly closed my account without any reason and I have not been able to get help from them for months but I just remembered I could file a report on here. I am unable to get any help from them and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2020-06-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For the past few months I have been contacting TransUnion and the companies that they have listed on my credit report wrong. I have not applied for these accounts that was opened in my name. I have nothing from these people and have no clue why this is on my credit report. I have send you all a police report, proof of my identity and social security card. I don't know what else you want from me. I need someone to help me get rid of this headache and get this problem solved once and for all. Please remove this information that is not mine. It is against the law to report things that do not belong to a person. These accounts for Dept of Ed/XXXX XXXX XXXX along with attempts to open other accounts that I did not request from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. It would be a great relief for you to get this mistake corrected and these accounts deleted.
Consumer complaint received 2021-03-31
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for a while but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. This happened after I was switching my name from XXXX to XXXX. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing to dispute a late payment that was recently reported on my credit report. According to my records, the payment was made on time. However, it appears that there is an error in the reporting, and the payment was incorrectly marked as late.
Consumer complaint received 2021-03-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Infinity Capital Group (GA)

well around XX/XX/2021 i went to XXXX XXXX  to provide my identification to open up a personal banking account. in the middle of the time being with the banker / accountant which name is XXXX XXXX. whose personal number is XXXX XXXX XXXX please contact him for verification he gave me his business card i am using his number for proof if needed. i basically got denied and im trying to apply for things and i took a survey and find out that i have 1 loan in my name which makes sense because people have been sending mail and ive been getting phone calls about being a car own when in reality ive never had any cars in my name. i have lost my wallet with my ID and social security. i have only reported it stolen once. im a trying to figure whats going on i need to find and get to the bottom of this because my lively hood is at stack due to identity theft.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have tried to resolve with the XXXX XXXX  XXXX. I have tried to contact and sent email to them multiple times, they have not responded or put any effort to help with resolve the issue. They are reporting that i was late on my payments however that was never the case.
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

Ive contacted Wakefield and Associates 3 times about the {$1000.00} debit added to my account. I told the supervisor several times that I have medical insurance and thats who they were supposed to charge. I even reached out to XXXX XXXX twice and explained the same thing to them. This collection was never supposed to be on my credit report when I have proof that I had medical insurance around the time I went to the hospital.
Consumer complaint received 2022-05-03
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. (AZ)

I have sent experian XXXX and XXXX since XXXX I sent several certified letters from the post office that require a signature once receive, stating that this information on my credit report is inaccurate from the inquires to the collection I am a victim of identity theft. I send them copies of police report it's XXXX its this wrong and fraudulent information they reporting. Now I had hire a lawyer 2 months ago and been sending them letters and still not remove. This false information is stopping me from providing for my kids it's hard to rent etc and this is wrong information they putting out.
Consumer complaint received 2021-06-25
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: EMCC Holdings, LLC (AZ)

Some 3rd party company names EQUIANT FINANCIAL SVCS AKA XXXX XXXX WORKING FOR XXXX XXXX is listedClosed on the credit bureaus is on my credit. This company has a bad reputation and deals with shady timeshares. They are trying to collect a XXXX  balance collection as this matter has been already resolved with the original scam creditor. EQUIANT FINANCIAL SVCS refuses to get off my report, even though they admit they are NOT a party to the transaction nor is there a contract between myself and them. 
THE SCAM BACKGROUND AGAINST CONSUMERS : I attended the TimeShare presentation in XX/XX/2016 in XXXX XXXX. In short, during the presentation I was swayed into purchasing the timeshare of one of their properties as during the presentation I was told that " it is a great deal that you can't lose money on! ", " you can use it at anytime and you can rent the property out to someone else if you don't want to use it yourself '', " No, you can not step away and think about it because it is a very limited time discount that you will get only if you decide right now '' " We have worldwide properties that you can trade your timeshare for and go anywhere you would like '' After signing the paperwork, there were additional fees that were not disclosed to me when I agreed to the deal. It was also not disclosed that even after signing the paperwork, legally, I had a time window to back out of the deal ( because I would, once I had time to do my research ). 

I attempted to trade my week at another property of theirs several times at no luck ( as it turned out, my week was the lowest priority ). Despite what was said at the presentation, I was not allowed to " rent it to a friend '' either. After XXXX years of paying for the timeshare installment loan at at steep rate ( as it turned out no bank wanted to refinance a timeshare ), taxes and maintenance fees and not being able to use it even once, I contacted a consumer protection agency to help me with this. They worked on my behalf to prove that XXXX practice was unethical. Eventually, XXXX agreed to accept the deed back. 

Aside from the aforementioned credit, I have never been late or missed a payment on my credit card and any loans. My credit score on XXXX and XXXX is XXXX and XXXX, respectively ( the agencies where timeshare loan was not reported ).
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I have previously disputed XXXX XXXX XXXX credit card with a {$0.00} balance. 
Account is factually stating incorrectly Account is paid off yet stating as payment status of collection charge off. Both XXXX and Experian are reporting account paid off with {$0.00} balance with a payment status of charge off. Previously, XXXX reported perfect payments OK as agreed on payment history. after dispute, XXXX removed, partial ok as agree from payment history and replaced it with consecutive charge off. delete last payment with XXXX reports at XX/XX/2016 where payment history is reporting date last payment as XX/XX/XXXX. There is no way that account can be paid off and yet you continue to report the payment status as collection charge off and to delete payment history and replacing with charge off.
Consumer complaint received 2021-04-09
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. (CA)

TransUnion allegedly committed : 1. Unauthorized Credit Inquiries ( starting from 2019 on monthly basis till present day ) & 2. willful violation of FCRA As a result of their violations, I was being turned down on : 1. Apply for a merchant account 2. applying for a credit card with the XXXX 3. not able to get a unsecured credit card.
Consumer complaint received 2019-08-26
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MI)

I was trying to have a cosigner removed from my student loan. Discover Student Loans kept poorly handle the processing of my application and repeatedly allowed the application to lapse. Despite being told that the application WAS NOT PROCESSED and HAD EXPIRED, the loan company nevertheless made HARD INQUIRIES on my credit report, negatively affecting my credit score.
Consumer complaint received 2022-10-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (CA)

In XXXX, Discover Card Services hired the Law Firm of XXXXXXXX XXXX XXXXXXXX to file a lawsuit against me for an outstanding credit card debt. I was not aware of this debt or of the court filing nor was I ever served. The law firm presented documentation to the court that I was served and a default judgement was granted. In XXXX, my wages were garnished and became aware of this judgement. At that time, I contacted the law firm who was uncooperative and refused to provide any additional information. As recommended by the Sherriff 's office, I filed a Claim of Exemption in which XXXX XXXX XXXX did not respond. In XXXX, I became aware that an extension was granted to extend the original judgement. Again, I was not served and did not have knowledge of this filing. I immediately filed a Motion to Vacate that judgement, however, at the hearing, the judge made a pre hearing decision to deny my motion. I again, contacted Discover Card 's attorney for proof of this debt but they refused to provide that information. I then contacted Discover Card Services directly and requested proof that this debt belonged to me and that is was a valid debt. I advised Discover Card that I had a credit card with their company that was opened in XXXX but has long been closed. The judgement was against a card in my old married name and was ( per Discover Card ) opened in XXXX. Discover Card advised me that they would open an investigation for fraud and advise me of their decision within 90 days. On XX/XX/XXXX, I received a letter from Discover Card stating that the debt was valid. " Our records reflect that the account was opened in XX/XX/XXXX. The account was applied for via the internet, and a name, address, and social security number were provided so that we could process the application. '' Discover Card also advised that have not sold this debt. On XX/XX/XXXX I sent a reply via XXXX Mail requesting proof that this debt belongs to me and as the original creditor that they instruct XXXX XXXX XXXX to provide proof that this debt belongs to me. The file has remained open since the original court filing and should contain proof of debt. Discover Card has not responded to my request.
Consumer complaint received 2019-08-22
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. (CA)

Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX   XXXX
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I lost business due to covid I applied for a forbearance. I was told that my lender didn't participate ... I then applied for a modification ... and now a short sale ... lender wont deny my request ... they just say ... no ... .no letter explaining..or detailing my request and denial.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, I sent {$20.00} and {$230.00} to a man supposedly named XXXX through the app XXXX with the intention of buying shoes. I realized that he was a scammer after and tried to get a refund. XXXX states that their app is unintended for marketplace transactions and I also know that my bank has the power to reverse a transaction. I went to my bank on XX/XX/XXXX to try to get a chargeback. They called a separate office but I havent received word of any updates and feel like I wont receive a chargeback because I havent been updated about this situation.
Consumer complaint received 2019-08-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paypal Holdings, Inc (FL)

I received 5 phone calls from an " unknown number '' first one I answered and hung up. They called right back and the lady said there was a complaint filed involving my car. I said I wasn't interested and hung up. She then called back again and i answered and I said I told her not to call back and she said she hoped it went to my voice mail. She started in saying I had to contact the lawfirm of XXXX XXXX XXXX and find out because she didn't have the information. She gave me a phone number XXXX and it rang and redirected. I left a message and called my insurance company who said they had no information on anything. I called the company back who stated that I owed Paypal {$1000.00} dollars and that I had to pay it or they would put a lien on my car. My car is financed so I called them and they said they couldn't. I got a phone call today from someone from XXXX XXXX XXXX  today who said they had papers to serve me today. They had a phone number to call at XXXX. I contacted my county clerk who said no judgement was out on me.  They continue to call and threaten me and their tone is harsh.
Consumer complaint received 2019-08-26
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: EQUIFAX, INC. (IL)

I have repeatedly tried to have Equifax, XXXX and XXXX remove items from my credit report that wasn't mine. They've refused. Even when I filed FTC and police reports. Please have them remove the items listed in my FTC reports.
Consumer complaint received 2022-11-19
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX .... Balance : XXXX ; XXXX  XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$550.00} ; XXXX XXXX XXXX .... Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX  XX/XX/2021
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NJ)

I tried to purchase a computer for my child in best buy, when I never received the product, I called best buy and was told it had been delivered. I let the rep know i never received the product. upon checking best buy informed me they had made a mistake and sent the product to the wrong address. that they would issue a refund. its been over a year and im still having issues.
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc. (OH)

MyXXXX ADA were sold into USD without my permission on XX/XX/2021 in my Binance.us account, and my account was disabled since then. I can't trade, withdraw and deposit since then. I was not able to sell my cryptos before the market crashed and it caused me huge losses!! It has been one month since I submitted twoinquiries on XXXX and I still haven't received any responses from Binance.US.My support ticket numbers were # XXXX and # XXXX. This is unacceptable!! 
Back on XX/XX/XXXX, I made a direct deposit of {$5000.00} from my XXXX XXXX  checking account into myBinance.USaccount. Immediately after I made the submission, I received a deposit failure alert with a message saying my bank account might don't have enough funds. This was odd to me because I had much more than {$5000.00} in my XXXX XXXX  account at that time. I had also performed 7 prior deposits and did not experience any issues then. After receiving the alert, I followed the instructions to deposit my cryptosin an attempt to solve the problem, but it was unsuccessful. However, XXXX XXXX  confirmed that {$5000.00} had been successfully transferred from the bank toXXXX XX/XX/XXXX. On XX/XX/XXXX I submitted inquiry and asked toinvestigate thisissue. Ticket number is # XXXX. No response. On XX/XX/XXXX, I requested to investigate the {$5000.00} again. I didn't hear back fromBinance.us. On XXXX I sent another inquiry to Binance.US and still no response. On XXXX I disputed in XXXX XXXX  andfinallygot my {$5000.00} back. But On XX/XX/XXXX I received an email fromBinance.US regarding I had a returned deposit and I should deposit {$5000.00} within 7 days to bring my account into good standing. This is ridiculous.The Binance.UShad totally messed up my account. The customer service is horrible. Please help me and investigate this issue.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website. 
I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I disputed charges by XXXX for the canceled flight, that clearly expanse in their policy, that if the flight is canceled due to the airlines operation, the customer is fully eligible for nay fees, taxes, the actual ticket and any other charges. After my flight was cancelled by XXXX, I contacted the airline about refund but they refused. By the way they have hundreds of complains on XXXX regarding this fraud and activity. I contacted my bank to dispute examining the entire situation, yet they refuse to admit, I am right. What they do is support the illegal activity of the airlines< which is refusing to refund customers for cancelled flight which also by the way I stated as a policy with the Department of the transportation. I am tired of Capital one of this fraud and not completing a full and accurate investigation, rather than assumption. Please investigate since the want to revert my conditional credit.