davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I XXXX XXXX XXXX am who I say I am, a third party is not acting on my behalf. 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. The items listed are also inaccurate and continue to be reported on my credit report as late, after the accounts were payed according to 15 USC 1692j and the agreement this is a violation of my consumer rights. 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. I would appreciate it if you delete these items as soon as possible as it is hindering me. I am trying to advance in my life by getting a home, obtain necessary goods for my livelihood and stabilize my family
Consumer complaint received 2022-03-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Date showing reporting started- XX/XX/XXXX Date showing account started- XX/XX/XXXX Original loan amount reporting- {$5500.00} Past due loan amount reporting- {$8000.00} I have filed and submitted police reports, identity theft reports, as well as numerous letters to request accurate reporting or removal from my credit and to no avail. Account has shown inaccurate reporting as well as supposed collection attempts which have hurt my score with all three of the credit bureaus.
Consumer complaint received 2021-05-11
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. (TX)

I have submitted multiple requests to have grossly inaccurate information removed from my credit report. 1. XXXX  has not responded to two disputes that I submitted in XX/XX/2020. On their website the disputes still are showing unresolved. They have not given me any good reason for the gross delay. 2. They continue to say that they have validated information that is showing as inaccurate and will not provide me with the method of validation. 3. XXXX is harming me and causing me undue hardship. 4. There are multiple collection accounts that have not been validated and which also are showing multiple inaccuracies across all three bureaus. 5. XXXX and Experian have failed to remove information that is totally inaccurate and shows different information with each company yet, each bureau states that it has validated this information. This is impossible given that each one has different information. 6. All three bureaus are reporting inaccurate personal information and wrong addresses. 7. All three bureaus are reporting these inaccurate, fake accounts from collection agencies who are practicing without a license or bond in the State of Texas. They are taking the word of predatory companies who do not follow the laws of the State of Texas and allowing these law breakers to ruin my name. I have pleased with all three bureaus to protect me from the predatory acts of the following unlicensed, un-bonded companies : *XX/XX/XXXX *XX/XX/XXXX Please help me. The negative impact of this negligent treatment of my credit reporting is hurting my ability to function and preventing me from progressing. It is doing reckless harm to my financial reputation. *Please note that on some of my pdf files I struggled with adjusting the lighting. Each document is able to be read in spite of the color variations on the file. Included are also search results from the Texas Secretary of State showing that the above mentioned collectors are violating Texas law and bypassing the requirement to be bonded and licensed. They are reporting incorrect information with no proof, no signature or contract of mine and are reporting to the bureaus without the proper governance that is required in the State of Texas. This is abusive and they are preying on citizens who are already dealing with enough hardship during the pandemic.
Consumer complaint received 2021-12-14
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. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

reference is made to CFPB complaints XXXX and XXXX, both of which assert The Work Number 's failure to provide a copy of my full-disclosure report and their repeated ongoing delay in sending my report to me. They keep asking for asking that has already been provided, namely documentation of my identity. In all requests, I have provided copies of my State ID that has my street address as well as my date of birth on it, a copy of my passport which confims the validity of the state id, a copy of my social security card which shows my full SSN, as well as a copy of a utility bill, which shows my mailing address and service address. Even in the above mentioned CFPB complaints, they, AGAIN, ask for ID that has already been provided. I will continue to file CFPB complaints, and send letters to the AG in their state and mine, until they comply with federal law and provide a copy of my full-disclosure report.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (TN)

I fully paid off my mortgage with United Wholesale Mortgage ( UWM ) on XX/XX/2021. UWM sent me an email on XX/XX/2021 acknowledging that my mortgage was paid in full. On XX/XX/2021 UWM erroneously processed another payment and took money out of my bank account despite the fact that my loan was fully paid off. As of XX/XX/2021 ( XXXX days after loan payoff ), they have not returned the money they stole nor my remaining escrow balance.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/2021, I contacted XXXX XXXX, Fiduciary Administrator at Wells Fargo XXXX XXXX to begin the process to request a distribution from an XXXX trust fund. I completed and submitted all the forms on XX/XX/2021. I emailed XXXX XXXX on XX/XX/2021 to ask how long the distribution process generally takes. He replied, It usually takes about two weeks to do the paperwork and get approval and then depending on the transaction and the amount maybe a couple extra days past that time to raise cash or to coordinate the payment to the payee. The last email I received from XXXX XXXX was on XX/XX/2021 to request clarification regarding the recipient of the distribution funds, I replied immediately. XXXX XXXX has not responded to several phone calls asking for an update on the process since the XX/XX/2021 email.
Consumer complaint received 2021-08-26
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I request the CFPB launch an investigation into Wells Fargo handling of their remediation program, specifically payments covering damages caused by unauthorized accounts, as well as their handling of missing payments. I've been filing numerous complaints regarding two missing payments from their remediation program, which are inadequate, do not cover damages sustained, as well as their reporting of payment ( s ) to IRS, for several months now ... Wells Fargo reps reply by verifying address sent to which I moved from prior, in which case I was not living at time of issue and nothing received. They also reply by showing checks cashed in which case, not by myself as again, I was not living at address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX, at the time.. I moved in XXXX of 2020, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. The documents/payments were sent after in XXXX of XXXX The payment amounts, XXXX as well as XXXX, do not cover damages to credit and loss of interest on deposits which could have been made, if I were able to open accounts had information not reported to consumer reporting agencies. Wells Fargo rep ( s ) supposedly removed information from XXXX XXXX XXXX, however, did not offer adequate payment amount for sustained damages. They replied in re by referring to letter agreeing to XXXX payment amount which was not signed by myself, it was sent to old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved in XX/XX/2020. It appears payment amounts of {$3700.00} and {$500.00} were also intercepted, signed by person ( s ) now residing at address, which I have detailed in prior complaints ... .Wells Fargo reps reply again by verifying address sent to which I moved from prior, show checks cashed in which case not myself. It appears the extent to Wells Fargo replies solely includes verifying address sent to and checks cashed, will not offer adequate settlement amount which includes missing payments.. Further, they have not corrected IRS reporting of payment ( s ), it appears amount of {$3700.00} was reported to IRS in 2020, I received a form 1099 showing amount plus estimated IRS taxes for tax year : 2020.
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 2022-03-27
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. (GA)

XXXX App Has The Wrong Social security XXXX IRA Has Account Has The Wrong Social Security Number On It I Am Unable To See My Credit Score For XXXX XXXX XXXX XXXX I Know My Phone And My Data On My Phone Is Being Messed With Someone Is Hacking All My Accounts My email account XXXX was exposed to something called the Dark Web please Tell Me What to Do also the credit people keeps on getting my information mixed up with my brothers
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (IN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-18
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. (NY)

XXXX XXXX XXXX and XXXX XXXX are not my acount and have been reporting over 7 years. I never had these accounts. My parents XXXX away during this time and i wasnt working. How could I get a credit card? I reported ove 100 ftc reports the.banks are ignoring me. This is against my fair rights. They are threatening me. They both said my credit will continue to me ruined until I pay them. Its not there problem This account was closed on XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$820.00} Reported balance Credit limit {$500.00} You're using 165 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} Opened PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$820.00} Worst payment status No Info This account was closed on XX/XX/XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$930.00} Reported balance Credit limit {$700.00} You're using 134 % of your account 's limit OVERVIEW Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$930.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting AcXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 2021-08-26
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. (OH)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

General information : My friend sent me the money using XXXX from boa, but I did not receive it. 

Background : A friend of mine tried to transfer an amount of {$1700.00} to me using XXXX from his boa account on the day of XX/XX/XXXX. XXXX can transfer money to people by typing people 's phone numbers. He sent this money via my US phone number. 

Problem : At that time, however, that US phone number is no longer valid because I left the US a long time ago and did not continue to pay that phone service fee. However, when he sent out the money, the name pops out on XXXX 's page is still my name. We realize the problem, but there is no way to cancel the transaction. It has to wait 14 pending days. 
Then the transaction went to pending. We thought if so, and this phone number is invalid, then after 14days, the money would come back. 
However, this transaction suddenly switches from the pending state to success on the day of XX/XX/XXXX. This money did not go to my bank account. 

Ways we tried : We've contacted the BOA several times, XXXX, XXXX ( receiver 's bank ). BOA went through the dispute process and sent the file to us only proving this transaction is successful via mail. It's a large possibility that this phone number might have a new owner, and this money went to this new owner 's bank account. 
I went to att to check, and my phone number indeed has a new owner. 
Therefore, we tried to contact the person who now owns that phone number. However, it fails anyway. No one answers the phone, and text messages. 

Things I want to add : I did not know that the phone number can be redistributed after it went invalid. At that time, I do not know when I can come back to the XXXX. There are lots of my website accounts that still connect to that phone number. 
Even when people do not register XXXX, if there's someone who sent them money, there will be text messages noticing people that there are people sending you money, then just register XXXX, they can get that money. 
Now, when I tried to see the active state of this phone number using XXXX, it's no longer registered. 
Due to the lack of awareness of the mechanism of US prepaid phone numbers and banking mechanisms, such a mistake was made. However, this person took the money that does not belong to him and take it using this advantage, which makes me feel sad I am an undergrad student in XXXX, and this XXXX means very much to me. This money is supposed to pay my rent and my living expense. 

My name is XXXX XXXX, which matches the merchant 's name on the attached document.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

I have a credit card from JPMCB CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and JPMCB CARD with no successful resolution. XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-12-14
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. (IL)

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX  with no successful resolution. Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (AR)

On XX/XX/2021 XXXX sent a loan payoff check to the address given to me by BBVA. The BBVA representative apparently gave me a PNC address ( which they are currently completing a merger ). The check went to a PNC location, XXXX XXXX XXXX, XXXX, PA XXXX and was signed by an XXXX XXXX. XXXX is saying that PNC cashed the check. The payment was never applied to my BBVA account. BBVA opened two investigations and can not find the check, which I've sent them a copy of with information about it being cashed. PNC says they have no record of my check and can't access my account because they haven't completed a system merge. I can not get in contact with the PNC location that the check physically went to. XXXX can't perform a stop payment and reissue the check to BBVA because PNC has cashed this check.
Consumer complaint received 2021-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

I reported XXXX fraudulent charges on my CapitalOne card, all by the same fictitious vendor. CapitalOne reimbursed me for XXXX of these charges, but then inexplicably claimed that XXXX of them were not fraudulent. All the charges were made by the same scam company. 

The fraudulent vendor appears on my statement as " XXXX '' ( XXXX  " XXXX '' ) but this is distinct from the legitimate company that appears on my bill as " XXXX ''. I did not dispute any charges from " XXXX '' and indeed continue to pay this monthly charge, but I did dispute all charges by the XXXX  company since these were scam charges. Unlike the legitimate XXXX charges, the XXXX  charges are a different dollar amount every charge. Also unlike the legitimate XXXX charges, they often appear more than every month and on different days of the month. 

After the reimbursements were denied for XXXX of these fraudulent charges, I called CapitalOne and they claimed that the reason for the denial is that the fraudulent charges were more than 6 month old. They agreed that they were fraudulent and that all of the other charges by the same vendor were fraudulent, but anything older than 6 months was my responsibility.