davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DC)

Equifax is DENYING the requested information. 

Equifax is playing games in this matter. ALL IS NEEDED IS FOR THEM TO GO INTO THEIR ARCHIVES, LOOK AT WHAT MY CREDIT SCORE WAS ON THE DATE OF XX/XX/2020!!!!!!!!!!!! Instead of compying with my request, they have sent me my current credit score, and repeated letters asking for my identification.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX - Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 12. Company Name : M XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft
Consumer complaint received 2021-09-15
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)

Multiple times since last year I have been dealing with the three major credit bureaus that deal with reporting credit reports and scores. Since then, I have been filing a dispute due to multiple fraudulent activities were taken against me because I was a victim of identity theft, and my personal information was compromised. During that time, identity thief ( s ) used my information to obtain benefits and services from the listed creditors in this attachment that have been impacting my credit score negatively. The credit bureaus have not been doing anything regarding this issue and only stalling my request. I sent official documents from the Federal Trade Commission and everything they requested. Yet, the credit bureaus kept stalling and denying the fact that they have my documents. The incompetency of their work is affecting my and every other consumer 's financial credibility which they are ought to protect and report accurate information at all times. The listed accounts do NOT belong to me and it is the work of an identity thief.
Consumer complaint received 2019-05-06
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 58 and 59 of the attached credit report. ) Thid account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I disputed an account on my Equifax report on XX/XX/XXXX for XXXX for removal from my report. I advised that the account was supposed to be removed per the creditor, which I supplied a copy of the letter from XXXX. On XX/XX/XXXX, I received dispute results for confirmation # XXXX stating that the item was updated to the report as paid in full. However, again I attached the letter from XXXX which stated that the credit bureaus have been notified to delete the debt from my credit report. I called several times and was told by each representative at Equifax that the account was in fact deleted. The letter that was sent by XXXX is dated XX/XX/XXXX and it is now XX/XX/XXXX. Please have Equifax to remove this account from my credit report as it is a violation of my rights to continue to report this debt.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I was informed by Wells Fargo on XX/XX/XXXX that a fraudulent wire transfer was being returned. They listed the amount that was being returned. I called several times on XX/XX/XXXX to confirm that this amount was being refunded as I was only seeing a credit of a partial amount. It was affirmed to me by 3 people who saw the same email notification I received in Customer Service Online that I would indeed receive the full amount reflected in the Notification. I also then spoke with someone in the Online Fraud department who separately confirmed to me that what I was seeing was only a PARTIAL refund but that I would be receiving the full amount within 2 business days. 

I called again on XX/XX/XXXX to confirm this with somebody in the online Fraud department and they gave me a radically different response : 'that Wells Fargo was only able to recover a portion of the funds from the Recipient bank '. 

I can't get a straight answer and have it in writing that Wells Fargo is returning {$24000.00}
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I was shocked when reviewing my Credit Report for this month. I have not been late on this Mortgage this year at all. IT is currently showing as 30 days late in XX/XX/2019, I made my payment forXX/XX/XXXX on time. I was marked as late earlier this year, which I believed was rectified. It turns out they have just moved the late pay to this month! As I said, I have not been late at all!
Consumer complaint received 2021-09-15
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. (NY)

I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX mortgage provided mortgage services to my account but was never the lender or owned my mortgage. XXXX  mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but XXXX mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Zakheim Law Group, P.A. (FL)

On XX/XX/2018 the company by the name of XXXX XXXX XXXX XXXX XXXX XXXX  Located in XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Took out {$900.00} dollars from my XXXX XXXX XXXX  account. When contacting them they said it was for a Credit Card from XXXX from more then 10 years ago.This " Debt '' that they were referring to does not even exist in my credit report. In the State of Florida there is a Statue that states within 4 - 6 years a debt can no longer be collected. Also I have been making payments to this same law group about 4 years ago. So on this day they took all the money from my account and had the bank freeze my account for no legitimate reason.
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I filed a dispute with Equifax regarding a XXXX XXXX Home Mortgage account listed on my report. I received a report from equifax ( confirmation # XXXX ) stating the account was verified. I sent a follow up letter on XX/XX/2021 asking for a re-investigation. I received no answer. On XX/XX/2021 I se t a factual dispute regarding this account as it was still reporting on my credit report. As of today XX/XX/2021 I still have not received an answer.
Consumer complaint received 2022-08-02
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. (AL)

I have been applying for loans and getting turned down. I realized on my XXXX credit report it is reporting that two of my creditors as Public records when in fact it was settled and was not sent to any court.

The two records are XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX  They alos show XXXX XXXX XXXX XXXX  and XXXX XXXX under Collections. 

XXXX is reporting 3 accounts under public record which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

Experian is reporting 4 accounts under public records which include XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 

None of these accounts went to court and it has made me be turned down for loans and also affected my interest rate on a car. 

I want the credit bureaus to be accountable for the information. How can they publish a court record when there was no court record.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (AR)

On XX/XX/XXXX, I paid my internet bill with XXXX early, as I was closing the account it was typically auto drafted from. Despite removing the account from my online account and paying the bill on XX/XX/XXXX, XXXX attempted to autodraft on XX/XX/XXXX on my closed account, resulting in ( 1 ) a negative balance on my XXXX account XXXX XXXX XXXX a rejection of the draft by my former bank. 

I contacted on XXXX XXXX to inform them the negative balance should be XXXX, as I was notified by my former bank that the autodraft was rejected. At that time, the customer service rep for XXXX  removed the old account from their end ( even though it was already gone from the customer-facing site ) and assured me the account would be balanced shortly. 

On XX/XX/XXXX, the customer account site still showed a balance of XXXX. 

As of this morning, XX/XX/XXXX, the balance was {$0.00}. 

Today, I got a letter XXXX see attached ) from TRS Recovery Services , Inc claiming that XXXX had turned the " debt '' over to collections and I now owe {$89.00} + {$30.00} " returned Item fee. '' This letter is dated XX/XX/XXXX, XXXX days after I contacted XXXX. In addition, there is no way they would have turned an account where nothing was due over to collections. 

To " resolve '' the dispute, I went to the TRS  website, only to find they require my SSN, as well as a routing and checking account number for a dispute, despite having assigned a " reference number '' to the case. I then contacted XXXX to see if they could resolve the issue. 

See attached screenshot. The XXXX company does not use TRS Recovery for debt collection, they show my account as in good standing, and there is no debt in collection. 

I called the number on the TRS letter. The only way to talk to an actual person was to lie in the phone tree and claim I didn't have a reference number. When I did get an " XXXX XXXX '' on the line, she asked for my reference number. When I gave it to her, she hung up on me. 

This is clearly fraud.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (VA)

Provided XXXX police reports, an FTC identity fraud report and all required documentation to Equifax regarding fraudulent inquiries on my credit report over XXXX weeks ago and they are the only reporting agency that has failed to correct the information on my credit report.
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: OKCoin USA Inc. (ID)

For the last 2 months Since XX/XX/2021, I've been trying to get my coins Out of the exchange OKCOIN, and they told me that I could withdraw the Dollars but not the coins out of the exchange. I made an attempt to withdraw roughly {$3700.00} but it never worked. I told them I have bills to pay, but they're simply making my life hard. There's currently XXXX BTC and {$3600.00} in my account with them.
Consumer complaint received 2021-08-29
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 (CA)

PayPal Holdings Inc.

I had been a customer of PayPal Inc for a couple years as a business account. I had several issues about PayPal 's account limitations and account freezing but I was able to solve those issues by identifying myself. 

I owned a shop called XXXX XXXX for XXXX albums overseas. On XX/XX/XXXX, I received a call from PayPal asking me too much information about my business such as : 1. How much sales do you get per year?

2. Who are your suppliers?

3. How long you been in business My suppliers don't need to be exposed because it can be used against them. They didn't like my answers and told me they will limit my account until I provide the following items 1. Proof of Fullfilment ( Which I gave ) 2. Supplier 's information ( That's none of their business ) 3. Business information ( I gave them what is public use ) PayPal Inc limited my account, took {$560.00} to place on reserve because they said this : " PayPal is holding a reserve of {$560.00} of your existing funds. This is to ensure your PayPal balance is large enough to cover any disputes or refunds you need to address. Your money will be released based on your account performance. '' It's XX/XX/XXXX and there has been no chargebacks, no refund reports, and thanks to them, I had to shut down my XXXX account because they prevented me from refunding the money they took as a reserve. 

I reported them to the XXXX and they told me I have a balance of {$500.00} that is due on a linked account I have no idea about. They refuse to release my funds until I send them a check. I shouldn't have to use my own money to pay them when they are reserving {$560.00} already on my actual PayPal account. PayPal is not a bank. They shouldn't have a right to hold funds. 

After several months in XXXX, XXXX announced a tour was cancelled and they said I will receive a refund in my original payment, which was the PayPal Debit Mastercard, but PayPal closed it. I want to withdraw the money I earned on my own before they take it from me. PayPal 's representatives are horrific. They reply the same messages on XXXX and XXXX. I can not express how terrible they are and how they are hurting small businesses and customers alike. 

I demand they release these funds and use it to pay the balance that a linked account is supposedly owed. Secondly, I want them to remove my account from limited status so I can withdraw my XXXX refund when it arrives to PayPal and permanently close my account. They held my account XXXX for too long and I just want my money back I waited since XX/XX/XXXX, which was the worst time called COVID-19 pandemic.
Consumer complaint received 2019-05-03
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: Certegy Holdings, LLC (VA)

On XX/XX/XXXX, I submitted a check to XXXX XXXX XXXX for the purchase of Week groceries, my check was declined on the information provided by Certegy Payment Solutions , LLC, of XXXX, FL. They have a contract with Kroger to check the credit history of the customer providing payment with checks. My credit score is 800+ and I have excellent credit.

I contacted Certegy and requested my consumer file disclosure report which they sent to me. the control number is XXXX  and the tracking number is XXXX. What they sent me was a record of three transactions : one from XXXX XXXX XXXX, dated XX/XX/XXXX, one from XXXX XXXX  dated XX/XX/XXXX, and one from XXXX XXXX dated XX/XX/XXXX. All were approved. My concern is that because my bank, XXXX XXXX XXXX XXXX is not one of Certegy 's signed clients, they are using the fact that XXXX is not a client against customers that try to submit a check from this institution to their clients.

According to XXXX at Certegy, they have no record of an inquiry from XXXX, and prior to this, XXXX XXXX in XXXX XXXX VA. declined to accept a check from me, based on informatoin from Certegy. I don't know what should be done after these two instances, but I am not being protected false reports or Certegy is sending false credit decisions to get a banking entity to sign with them as a client. I value my credit standing with businesses and when there is a derogatory report or a turn down because of a false report from a credit reporting agency, it is a major concern to me.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. ()

i mr XXXX XXXX was travelling my XXXX car no. XXXX i lost my credit card of citibank so i want to contact driver please help me out my number is XXXX
Consumer complaint received 2022-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (NY)

I Had a XXXX XXXX and it was cancelled due to putting someone else Check, and ever since then I could never open a bank account in XXXX XXXX XXXX, anywhere I go wont let me open an account, all I have is XXXX XXXX XXXX but they are not real banks, I need help to fix my credit report, I know I messed up my credit report for taking money out to other people, is all in my statements where the money went and whatever the issue may be, need a program or anything to fix my credit score or a Bank I can go to, to show I am responsible and I just got carried away
Consumer complaint received 2019-05-03
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: CITIBANK, N.A. (TX)

had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. XXXX when people are put in the wrong position I'm sure XXXXXXXX XXXX wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO
Consumer complaint received 2021-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ASSOCIATED BANC-CORP (MN)

i went in to make a mortgage payment using my debit card @ associated bank they turned it into a cash advance for some reason. this caused 2 declines on my debit because of the daily limit. everyone else uses it like a charge card except these guys. they only take certain kinds of payments, making it up as they go. i am sick of the XXXX  from this bank. can you please switch me to a new loan service? these guys are always playing games, because they can. 
thank you
Consumer complaint received 2021-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (NJ)

In an attempt to provide me with debt validation. Simon 's Agency XXXX Inc violated my HIPPA rights by accessing and printing my medical ID, Medical Bills and Procedures and sending me without my authorization. Simon 's Agency, Inc never released a HIPPA form for me to authorize access to this medical information.
Consumer complaint received 2021-09-15
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.