davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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. (DE)

XXXX Hello XXXX professional, This is the XXXX time I am disputing this issue with the below accounts. This is highly affecting my ability to buy a home for my XXXX kids and wife. I need justice as soon as you see this message. The data furnishers are reporting inaccurate information and they never sent me thier full method of verification. See my screenshots below. THEY ARE WRONG, please dont let them keep verifying things that dont pertain to me. If it does not have my full name : XXXX XXXX XXXX XXXX on the account then it is in accurate. IF it does not have XXXX XXXX XXXX XXXX, DE XXXX, or XXXX XX/XX/XXXX on the account it is in accurate. If it does not have the correct dates of activity it is inaccurate. By the FCRA it needs to be deleted. 

Delete the following accounts due to inaccuracies : XXXX XXXX ( XXXX : NOT REPORTED, XXXX : Last Payment XX/XX/XXXX, Equifax : Last payment XX/XX/XXXX ) XXXX XXXX ( XXXX [ NOT REPORTED ], XXXX Balance = {$11000.00}, Equifax XXXX = {$11000.00} ) XXXX XXXX XXXX XXXX  XXXX ( XXXX : Last payment XX/XX/XXXX, XXXX Last payment XX/XX/XXXX, Equifax [ NOT REPORTED ] )
Consumer complaint received 2023-01-27
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. (DE)

XXXX XXXX XXXX professional, This is the XXXX time I am disputing this issue with the below accounts. This is highly affecting my ability to buy a home for my XXXX kids and wife. I need justice as soon as you see this message. The data furnishers are reporting inaccurate information and they never sent me thier full method of verification. See my screenshots below. THEY ARE WRONG, please dont let them keep verifying things that dont pertain to me. If it does not have my full name : XXXX XXXX XXXX XXXX on the account then it is in accurate. IF it does not have XXXX XXXX XXXX XXXX, XXXX  XXXX, or XXXX XX/XX/XXXX on the account it is in accurate. If it does not have the correct dates of activity it is inaccurate. By the FCRA it needs to be deleted. 

Delete the following accounts due to inaccuracies : XXXX XXXX ( Transunion : NOT REPORTED, XXXX : Last Payment XX/XX/XXXX, XXXX : Last payment XX/XX/XXXX ) XXXX XXXX ( Transunion [ NOT REPORTED ], XXXX Balance = {$11000.00}, XXXX XXXX = {$11000.00} ) XXXX XXXX XXXX XXXX XXXX ( Transunion : Last payment XX/XX/XXXX, XXXX Last payment XX/XX/XXXX, XXXX [ NOT REPORTED ] )
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/ I was a victim of a fraud scam. The attached FTC fraud report provides the details. I transmitted XXXX transactions via Venmo ( {$1200.00} and {$1100.00} ) to a fake bail bond front. Once I learned the thing was a scam I called Venmo and disputed both transactions. I have been back and forth with Venmo regarding these disputes. They have been denied on several occasions on the basis they never received information that they needed to process the dispute on their end. There has been some hope in this- on XXXX  Venmo did refund me the amount of the larger dispute ( {$1200.00} ). However, the {$1100.00} amount has still not been returned after repeated attempts of contacting them and providing them the same information over again. The {$1100.00} dispute in question is XXXX. 

I will attached related documentation.
Consumer complaint received 2021-08-10
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: 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 2017-08-04
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. (TX)

Was recently notified by XXXX card that my FICO score had dropped XXXX points. I checked my credit reports and Equifax shows a tax lien filed in XXXX County New Mexico on XX/XX/2017. There is a new federal law that requires credit reporting agencies to remove liens if they do not contain full name SSN and date of birth. This lien does not. I have been through this with XXXX and they removed it from my report. The County Clerk has also removed it from the records, as it was not timely filed, and I was not a New Mexico resident for tax purposes. The tax lien record number is/was XXXX. Equifax has recently placed this in my credit report, I believe illegally according to federal law. I do n't understand how this could happen. They should be aware of the law and abide by it. I will send copies of all pertinent information to the CPFB along with a copy of my complaint, as I am unable to attach it to this document.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

TARGET/TD XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc. (TX)

I contacted the debt collector credit management control to notify them that debt did not belong to me and also that I didn't recognize it. They gave me further information of who was the owner of the account and what it was. It was a light company and they also gave the apartment address. I notify them that I never lived in that address and the debt didn't belong to me. Apparently, it was all done through the phone and without my consent. I been a victim of fraud.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (AR)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made some research prior to submitting this CFPB Complaint and I have read that under the Federal Law, Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to request of you to please remove the fraudulent accounts and information from my Credit File as soon as possible.
Consumer complaint received 2022-04-05
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. (MI)

I have disputed the Funished information from XXXX XXXX XXXX multiple times. 
XXXX XXXX XXXX XXXX for an alleged debt of {$4600.00}. 

This collector is not forthcoming with actual verification to pursue this alleged debt.
Consumer complaint received 2021-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (IL)

I recently got some papers mailed to my house from Transworld Systems Inc saying I owe a debt to them of {$1000.00}. 


I dont know this company never done business with this company this company doesnt have any contract with my written signature.
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AL)

I have been attempting to make payments on loan sequence 3, the company will not work with me in reference to getting an affordable payment. AES continually says they are reaching out to XXXX with no response, in the waiting period it is destroying my credit because they have not been working with me to accept an affordable payment. I have been trying to get an affordable payment since XX/XX/2017. I have called numerous times and send in letters. The managers from AES never call me back. I am looking for help.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX I contact bank of America to request an updated card and transfer my monies. Also, I am having issues with previous deposits from XXXX. I do not have access to the online data I have attempted several times but still no response as of to date. 

I need my card shipped and monies transferred. Alos, I need my deposits from XXXX to be reconciled with EDD. It appears I am missing my deposits which should total XXXX instead it appears to be short XXXX.
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

For the month of XX/XX/2023, I paid electronically thru my bank account the mortgage loan.payment due for XX/XX/2023 they collected the payment on XXXX third and the money was deducted from my bank account on XXXX third. Select Portfolio services contacted me on or about XX/XX/XXXX. by regular mail telling me they are attaching late charges to my accdount and that they are missing payment for the month of XXXX XXXX sent them proof of payment in the form of my bank statement where it shows the transaction number and information the payment received and collected by select portfolio Services. 
I have sent Select portfolio Services all they proof they need that shows the payment collected on XX/XX/XXXX. Theyn still telling me that I have not paid, and they are harassing me with phone call telling me that they will report me late to the credit bureaus and to send them another payment which i think is an abusing behavior by part of this institution. 
they do acknowledge receiving my bank information. but hey said that it will take.more tahn 30 days for the bank to complete the investigation in the meantime they are demanding i send them another payment which is not right in my view
Consumer complaint received 2022-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NV)

I successfully registered on Gemini 's website as US customer, ( State of Nevada ) and verified both my e-mail address and my phone number. I provided my full legal name, complete address, SSN and successfully uploaded my Valid, ( unexpired ) and clearly visible State ( Federally Recognized ) REAL ID. My account has been approved and I ALSO already VERIFIED my domestic Bank Account via XXXX using my online banking credentials. 
According their own TOS the ONLY document required for U.S. Applicants as Proof of identity is a valid state-issued ID, BUT after a week my IDENTITY is instead WRONGFULLY stuck in " PENDING REVIEW STATUS ''. 
No Further Requirement is Stated in their own TOS & FAQ for identity verification. They have everything they need to complete the identity verification for my account, but nobody have cleared my ID Verification by simply looking at the photos of the ID I uploaded. 
I contacted them and they illegally require me to Wire money from my Bank Account to " complete my identity verification ''. This is a known error in their system, but they dont bother to fix it. 
PAY CAREFUL ATTENTION TO THE FACT THAT by their own RULES, THE WIRE DEPOSIT REQUIREMENT - to validate the bank account, NEVER for IDENTITY BTW- IS ONLY FOR THOSE who : " are unable to link your bank account via XXXX or prefer not using your online banking credentials to register your bank account, ''. I SUCCESSFULLY LINKED my bank account via Plaid using my online banking credentials to register and verify it - NO NEED FOR WIRE. As for their own website, I should be able to transfer funds into my Gemini account, since my bank account is fully linked and verified. 
However, in order to be able to do that, Gemini needs to look at my Id and complete the identity verification for my account. Asking for a mandatory Wire is DISCRIMINATION, since it's not a policy or a requirement they publish or they ask any customer. Therefore, Gemini can either : 1 ) Look at the documents ( ID ) I already have uploaded while onboarding and complete my verification manually ( XXXX their 3rd party provider for the verification assured me you have everything and can contact them for help if you have trouble with the process ) or if for any reason they need the upload of new pictures, 2 ) they can create and send me a secure link to upload the new photos as they are supposed to according their own TOS. 
This is a SHORT Summary of the claim. 
THE COMPLETE FULL CLAIM IS ATTACHED PLEASE READ THE ATTACHMENT
Consumer complaint received 2021-04-25
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: DISCOVER BANK (GA)

SUPPRESS OR FLIP TO SOFT INQUIRY IN XXXX  ACCOUNT. 

UNFAIRLY TRIGGERED INQUIRY RAN DISCOVER REPRESENTATIVE ON XX/XX/2021 IT IS IMPACTINGMY CREDIT REQUIRED AND RESPECTFULLY REQUESTED LETTERS ATTACHED
Consumer complaint received 2020-09-17
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. (GA)

ALL CRA CONTINUE TO REPORT ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH " XXXX  XXXX XXXX XXXX '' ACC # XXXX AND ACCOUNT OUTDATED REPORTING VIOLATED " FCRA '' SECTION 607,609 AND 611
Consumer complaint received 2020-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC (IL)

This company Direct Recovery services calls once or twice a month or more and the caller ID SHOWS one number and then the voicemail they leaves says to call another number then I do call that number its not an active number. I have tried to ask them What is the name of the company that they are calling from, and I get a repeated response. Then they leave a detail message describing a debt but they use lingo like I have a file for this name the voice mail is public, I have never got a verification of debt and I have no idea what debt their even referring to.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

On XX/XX/2018 : Received paper bill From XXXX XXXX XXXX. Bill was a late bill. Amount of purchase was {$10.00}, but was unable to locate information about the purchase ( what it was ). Have previously received email bills. Called XXXX XXXX XXXX. Finally talked with a real person. Was told XXXX had sold services to Citibank. Was also told I had received a new XXXX, which I have not received. XXXX XXXX transferred me to Citibank. Was told this is an XXXX XXXX credit card and was referred back to XXXX XXXX. Via automated voice closed my account.

Summary of Account Activity : Previous Balance ... .. {$10.00} ( no date or other information provided ) Payments ... ... ... ... ... ... XXXX Purchases ... ... ... ... .+ {$10.00}.

Cash Advances ... ... ..XXXX Fees Charges ... ... ... {$11.00} Interested Charges ... XXXX ________________________ Past Due Amount ... {$33.00}
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (PA)

THE BUREAUS ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-05-15
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020
Consumer complaint received 2021-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (MI)

I have had a medical debt that is not mine reporting on my XXXX  credit report from LJ Ross in XXXX Michigan. Its been 6 years now.. I disputed this on my credit over and over. I haven't used the XXXX XXXX for almost 12 years. I do not owe the amount they are listing on my credit report and it is Destroying my credit score. THey have not responded to any attempts I've made to contact them through the years. This is so old that there is no way I would even have any documentation of my last bills paid with XXXX XXXX almost 12 years ago.
Consumer complaint received 2018-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My information was involved in a data breach via XXXX, and XXXX I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.