davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Hi, My name is XXXX XXXX XXXX, I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (NY)

Since XXXX of this year customer representatives from this company have continued to mishandle my account. I've been waiting for a transfer since XXXX of funds I have in my account. Customer representatives have blatantly disregarded my life in this process.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (OR)

I refinanced my home in XX/XX/XXXX, with first payment due XX/XX/2019. I received a 'first payment letter ' and made the payment according to the directions in there from XXXX XXXX XXXX. 

I received a 'welcome letter ' from PennyMac on XX/XX/XXXX indicating the servicing was transferred to PennyMac . There is not an 'effective date ' on the 'welcome letter ' indicating WHEN the transfer was to take place. Also, the letter indicates " NO ACTION REQUIRED ON YOUR PART ''. Oh really? If i don't do anything, who is going to change the address in my bill pay to the new address? This is a misleading statement because in fact, action is required-records need to be updated to reflect the new payment address at PennyMac as opposed to the address for XXXX XXXX XXXX. 

Speaking of addresses, the 'goodbye ' letter from XXXX XXXX XXXX indicates " Send all payments due on or after XX/XX/2019 to the below address ''. While this is great as a cutoff date is provided, the address to send payments to is different than the payment address on the " welcome '' letter from PennyMac. How is a consumer to know which is correct? 
After spending 20 minutes on hold at PennyMac, the woman explained to me that the address on the 'goodbye ' letter was a 'correspondence ' address. Well, if it is a correspondence address, why does it say 'send all payments ... ''? Her response was along the lines of 'well yeah, but it is a correspondence address '. That is SO enlightening and helpful! Her instructions were to use the address on the 'welcome ' letter to send payments.
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NV)

my name is XXXX XXXX and santander bank formerly known as XXXX XXXX has blocked my checking and savings accounts. this was done on XX/XX/19. i have made several phone calls and emails and they refused to unblock my accouns i need help i am about to be evicted from my apartment and i have no access to my money. i need this problem to be fixed today.
Consumer complaint received 2020-10-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5700.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

The following account has misrepresented my credit file and worthiness for years now. However, it was rightfully removed in XXXX, but reappeared in XXXX without warning as promised by the FCRA. Dates and amount unconfirmed. Never received any physical documentation as previously and many times over requested. This account has been paid ( 1099 c ) meaning there's no debt owed. Nor has my request for the Method of Verification into this matter been met. Keeping in mind as a general rule electronic Verification can not be suffice in such manner. Please remove and permanently block this over aged unauthorized account ( XXXX XXXX ) from my credit file immediately. Your cooperation is appreciated.

1. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

A balance transfer of {$4000.00} was posted to my USAA credit card on XX/XX/XXXX. This is a bogus transfer to my USAA account. I contacted USAA on XX/XX/XXXX and informed them that his was a bogus transaction. I was told they would correct the transaction in 2 to 5 business days. I called again on Friday to make sure there were no problems with their protocol. Today, XX/XX/XXXX, I called to find out why the {$4000.00} amount was still showing up on my account. I got the run around again.
Consumer complaint received 2018-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (CA)

I was paid on XXXX via PayPal on XX/XX/XXXX. The money would be placed on a 21-day hold. Its now been almost 30 days and the hold has not been lifted. I contacted PayPal and XXXX, and both companies blame the other. Saying it is not their fault.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-28
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. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD AND IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XXXX2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hello, i hope that everything is well I was w

orking on Coinbase very well but right now my account is under review and i cant send or receive money there, i have around XXXX  $ there friend, and i'm really scared about. They can't talk with me via Email, i've opened a ticket but they closed it few day after
Consumer complaint received 2020-10-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5700.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

I started the process with Amerisave to refinance my mortgage on XX/XX/XXXX. I had been referred to them by the XXXX XXXX website. During this process, they keep having me sign disclosures and the loan estimate keeps changing but I locked in my rate and the terms on XX/XX/XXXX. The loan estimate right before I lock in showed a lender credit of {$320.00}. The disclosure that was generated with the lock-in that I signed showed a lender credit of {$800.00} and I understand now that part of that is the {$500.00} that I paid to lock in my rate, so the actual credit went from {$320.00} to {$300.00}. After that, I was sent another set of disclosures on these the lender credit was {$49.00}. I emailed the loan officer XXXX XXXX Loan Originator NMLS ID # XXXX asking for an explanation and I only received another email the next day to physically print and sign the new disclosures. I have called and have not gotten an answer. They had me pay a nonrefundable {$500.00} fee to lock in my rate and yet they are still making changes to the terms and closing costs. The Loan document even states : Before closing, your interest rate, points, and lender credits can change unless you lock the interest rate. 

Since I did lock in the rate these things should not be fluctuating. 

It was my understanding at the time that the {$500.00} would go to closing cost once the loan was complete so I am assuming it is included as part of the Other Credit section. So on the new disclosures sent to me, other credits are listed as XXXX meaning minus the XXXX there is lender credit of XXXX I spoke with an agent and they offered an extra XXXX credit but could not generate the disclosures for some reason they said the documents I sign were issued in error and at first claimed not to see them. They said the original XXXX lender credit that was promised changed due to market conditions in the 3 days before I locked in, but could not explain why documents showing the change were issued after the lock in.
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: North State Acceptance, LLC (TN)

This makes the second complaint against this company. Northstate is still sending information about a negative remark of some sort to the credit bureaus. Their excuse at first was that I was paying too early and needed to pay a day or two before the due date, so I began doing that. For the first month, I didnt get the negative remark. Now, once again the remark has reappeared on my credit information. I pay on time and have always prided myself with paying as early as possible for this company. Each month, I have to dispute this information with the credit bureaus and it has become such an unnecessary hassle. I constantly have to check my credit because Im afraid that this company has once again applied a negative remark. The company accepts no responsibility for applying a negative remark and always ensures me that I am an outstanding customer. I need this issue to be fixed and will continue complaining until it is.
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with NATIONAL CREDIT SYSTEM, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : {$3300.00}
Consumer complaint received 2021-09-16
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: National Credit Adjusters, LLC (IN)

On XX/XX/2021 I called National Credit Adjusters @ XXXX because the company was listed on my credit report. I was advised that I owed a balance of {$620.00}. I do not recall opening any credit cards during that time and I believe it may be fraud. I was told by the agent I spoke with to go on this website to report what I believe to be frraud.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I am submitting a follow-up complaint on Bank of America, because they have not been responsive to my attempts to contact them or XXXX XXXX XXXX XXXX attempts to contact them to resolve the fraud issue. 

I have now waited over 10 months for a resolution. 

I have been working with XXXX XXXX XXXX  for almost 10 months to resolve a bank fraud issue that occurred as a result of someone cashing an electronic check assigned to Bank Of America. I have waited patiently for my bank ( XXXX XXXX XXXX ) to declare this issue as fraud, however, I have been waiting indefinitely for Bank of America to generate any type of response as to when XXXX XXXX XXXX will be paid so that I can be reimbursed my money. A summary of the issue is described below. XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Checking Account Number Ending In XXXX Savings Account Number Ending In XXXX On XX/XX/2019, claim number XXXX was submitted disputing a check number XXXX payable to XXXX in the amount of {$380.00} which presented for payment on XX/XX/2019. In addition, on XX/XX/2019, claim number XXXX was submitted disputing a check number XXXX payable to XXXX in the amount of {$490.00} which presented for payment on XX/XX/2019.
Consumer complaint received 2020-11-04
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: Aargon Agency, Inc. (OH)

The following accounts listed below are fraudulent accounts and doesn't belong to me. 
They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : AARGON AGENCY INC # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

On XXXX XXXX, XXXX, I sent a letter of dispute to a collection agency named Credit Collection Service, in regards to an account that they have been reporting under my name and social security number, with an amount of {$430.00} which they claim I owe them, to XXXX credit reporting bureau, since XXXX XXXX, XXXX. In this letter, I requested validation of the debt, including sufficient evidence showing that I in fact owe them this debt. I do not believe I currently owe them this debt, nor have I ever owed them this debt. I have not received such validation, nor any relevant correspondence from this company, including an initial collection notice. I have sent 3 follow-up letters since then, dated XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, to which they have not responded. 

I believe this is a violation of the Fair Debt Collections Practicing Act, as well as the Fair Credit Reporting Act.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I applied for a XXXX  gas credit card through XXXX XXXX  on XX/XX/21. I was denied, reason applicant is deceased. I assure you that I am not dead. A hard inquiry was listed on my credit report which I dont understand since XXXX XXXX  told me Im deceased. I called XXXX XXXX  and spoke to both them and their XXXX services department. Neither could give me an explanation on why I was listed as deceased. They told me to contact the three major reporting agencies. I contacted XXXX. After several hours on the phone they told me nothing in my file indicated that I was deceased. Next I tried to contact XXXX. Their automated prompts doesnt have an option for my particular issue and it is impossible to speak to a live person. 

Can someone please get to the bottom of this? I want to know where XXXX XXXX  got their information since they could not provide me with an answer.