davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

I was scammed through XXXX. There were 2 transactions in my bank account from XXXX XXXX that equal XXXX. I called Wells Fargo and told them it was a scam. They will not refund my money. I have a police report and they will not refund me any money.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX / XXXX / {$50.00} XXXX XXXX XXXX XXXX / {$980.00} XXXX XXXX / XXXX / {$50.00} XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-05-20
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. (CT)

Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX  XXXX. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX. 

- XXXXXXXX XXXX XXXX. 

- XXXX XXXX. 
XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
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 2022-05-20
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX 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 2022-02-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Upstart Holdings, Inc. (NY)

Upstart had filed a suit against myself. We were able to settle outside of court. We have paid them their full ask and we were told we would not be sent a 1099 on the amount of forgiven debt. We did receive a 1099 and I called to find out why we received it when we were told we wouldn't and how the amount was calculated. 

They did not give me any details and they said lawfully they did not need to.
Consumer complaint received 2021-03-09
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: SYNCHRONY FINANCIAL (NC)

On XX/XX/2021 I received a notification fromXX/XX/XXXXand XX/XX/XXXX that SYNCB/PayPal pulled my credit report. I have a PayPal account that I rarely use and I have never applied for credit with them. I logged into PayPal to see why this may have been done. They do not have my SSN so I am concerned as to how they were able to do this. I want to note that I am opted out of prescreened credit offers as well. I called PayPal and spent one hour trying to resolve the matter. I was bounced around many times until finally someone stated they do not know why this was done. They do not have any credit applications for me. They suggested I submit a complaint via PayPal 's website under " Resolution Center ''. I tried to do that. When I tried to " report a problem '' it gives me a list of transactions I've conducted. I'm not trying to dispute a transaction! I'm trying to find out why they ran an inquiry on my credit without my permission and without my SSN. I've tried finding an email address through their website but have been unable to. The experience with trying to get this resolved through PayPal was absolutely horrible and the entire situation is unacceptable. I am in the process of disputing it through the credit bureaus.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX IL XXXX or XXXX XXXX XXXX XXXX XXXX PA XXXX Original Creditor : XXXX  XXXX Account Number : XXXX Address : XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX Phone Number : ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from XXXX XXXXXXXX Account Number : XXXX. This Collection account is reporting not only as Open on all accounts but also shows a past due balance of [ {$260.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (TX)

I GOT A LETTER FROM TRS RECOVERY SERVICE DATED XXXX XXXX TO COLLECT A DEBT OF {$1200.00}. SOME ONE WROTE A FALSE CHECK TO XXXX XXXX ON XX/XX/XXXX IN XXXX TX XXXX. THEN I GOT LETTER FROM IRS EMPLOYMENT RELATED IDENTITY THEFT NOTICE. NOTICE DATE : XXXX XXXX CALLED THE DEBT COLLECTION COMPANY TO TELL THEM ABOUT MY INDENITY THEFT. I RECEIVED ANOTHER LETTER FROM TRS RECOVERY SERVICES DATED XXXX XXXX IN THE LETTER THEY NEED SOME DOCUMENTS, I ALREADY SUBMITTED TO THEM INCLUDINDG POLICE REPORT, FTC IDENTITY THEFT REPORT AFFIDAVIT. IN YEAR XXXX I GOT ANOTHER LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXX XXXX XXXX  XXXX XXXX LETTER TO COLLECT THE SAME DEBT AMT {$1200.00}. I CALLED THEM ON XXXX NO LADY WHO ANSWERED THE PHONE.I GAVE MY A/C NO, SHE SAID I DO NOT HAVE ANY INFORMATION ABOUT THE CASE. NOW I RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX. DATED XXXX XXXX. TO COLLECT THE DEBT. THEY ARE CALLING ME EVERY DAY ON MY CELLPHONE. THIS IS NOT MY DEBT.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (OH)

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00}, and it was closed XX/XX/2017. However, they're stating that they now transferred this to a government agency. All of this information is incorrect and I do not owe a balance and they're continuing to report negative information on my report.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

I filed an identity theft report and provided all documents needed to submit a complaint and have an investigation done correctly. i received a notice that my case was closed without receiving any results from the investigation. I am extremely disappointed and starting to feel symptoms of XXXX. The items are still on my credit report illegally by law you should remove any accounts under investigation and they were not removed at any point.
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I requested information on how to remove Private Mortgage Insurance ( PMI ) from my mortgage loan. I was told I needed to have my home appraised in order to do this. Mr. Cooper ( my mortgage company ) sent an appraiser to appraise my home and they appraised my home at {$770000.00} on XX/XX/2019. I was charged {$520.00} for the appraisal. 

I received a letter from Mr. Cooper denying removal of PMI because my loan to value was not within 80 % of the " original value '' ( {$680000.00} ) of my home. 

My complaint is that if they are going by the original value of my home, then there would never be a reason to have the home appraised since the current value would never be considered. 

I called to complain and they told me that I either had to be at 80 % of the original value OR use XXXX XXXX rules and be 75 % of the " CURRENT '' value ( I am short by about {$8000.00} ). I explained that this was never discussed with me when I first called to request PMI removal.
Consumer complaint received 2022-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (FL)

Referenced letter states I owe the state of XXXX money from alleged incidents that occurred over four years ago. I've been a resident of XXXX  since 2017. This is a fraud and harassment. I would like supporting evidence showing the dates and actions documented in the letter.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (WA)

Hi! 

I have a few questions and complaints about XXXX XXXX XXXX Questions : XXXX. Why is my most personal and sensitive data automatically enrolled to marketing mail without my intentional and clear consent and approval? 

XXXX. Why is it so complicated to permanently opt out and why can't that be done quickly and securely online? Why must a consumer go through so many broken hoops in order to do this and why must a consumer mail a letter to a XXXX XXXX XXXX 

XXXX. Why is the online form not updated in more than XXXX years? Users that have a XXXX number where the first XXXX digit number is greater than XXXX can't use the form to opt out because the form is extremely old. This is the error the consumer can see on the form : " SSN number can't contain XXXX, XXXX or XXXX. First XXXX digits can't be XXXX or greater than XXXX. Please try again. '' The consumer can't try again because they can't change their SSN. I am XXXX of those consumers. 

XXXX. Why there is no support electronic email address where a consumer can report the form bug above? Trying to explain the issue in the form above in a letter that must be sent to a XXXX XXXX XXXX not acceptable in XXXX. 

There is an obvious and contrasting discrimination between how easy it is for the credit companies to give away our most private and sensitive personal data and between how hard is it to stop sharing this data. These companies need to improve data security and privacy policies as well as technology. These sites must encrypt the information and make sure it is sent securely to the server. Currently the social security number and date of birth appears in plain text on the form and is sent unencrypted to the server. 

Thank you!
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 while flying home from XXXX Maryland ; I received an email from XXXX Bank stating that I changed my email address. I then called XXXX and stated that I didn't change my email address, i then began to query and ask questions about the balance of my account. The employee stated an incorrect balance, I then asked about any unusual transactions, and the XXXX employee stated that two wire transfers went out in the amount of XXXX, and XXXX dollars to Bank of America. I then conveyed to the XXXX employee that I didn't authorize those transactions. I was then told to close my current account, and open a new account. I was then told to fill out an affidavit, and other miscellaneous documents to fulfill the prerequisites of the claim. I was then told that it would take 10 days to complete an investigation, and upon follow -up I was told it would take a month. I asked for a provisional credit so that i wouldn't be XXXX during the investigative process but was denied, subsequently on XX/XX/2022 i was contacted again by XXXX asking if i wrote a check for XXXX, XXXX i said no they then stopped payment on the check but whats baffling is this was the new account the Bank set me up with after my initial account was compromised. If I would have a receive an alert on the 2 wire transfers I would have stated I didn't authorize those, so know I have to wait on Bank of America to release those illegal wire transfers that came out of my account which I didn't authorize and I can not finish business projects because my assets aren't available to me. Please assist me in this matter. Thank you
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (MN)

I previously had a Discover Card credit card in or around XXXX. During this time, Discover Card offered a free credit monitoring and identity theft monitoring products, which they forcefully marketed to Discover Card holders. I do not recall signing up for these monitoring tools. Then, my credit card account was charged off by Discover Card, and the debt was then sent to an outside collection agency. I paid off the debt in full, directly through the outside collection agency, in or around XXXX.Since the account was charged off in-house by Discover Card, I continue to receive excessive and unrequested e-mails from their credit and identity theft monitoring products, which I have not been able to access or use since my account was charged off ; I have absolutely no use or access to these tools because I am no longer a Discover Card credit card holder. Despite that, Discover Card continues to send me these e-mails that alert me to any new changes to my credit file or any potential identity theft, such as finding my Social Security Number on the Dark Web. There is no link in the e-mail to unsubscribe from these e-mails, and because I am not a Discover Card account holder, I have no possible way to log into my account to edit my e-mail preferences to discontinue these e-mails from Discover Card on their products that only applied to me when I was a customer with them. The e-mails are non-stop and abusive. I am also concerned that Discover Card is knowingly and willingly misusing my personal information through their credit and identity theft monitoring products. There is no reason, whatsoever, that I should continue to receive these e-mails when I have not been a customer in several years, and furthermore, there is no way to unsubscribe for their excessive and abusive marketing e-mails concerning a product I do not have any access to. These e-mails are being sent to both XXXX and XXXX.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I went to the XXXX XXXX of Wells Fargo to close all my accounts with them ; one checking account, one savings, and a line of credit, XXXX  XXXX XXXX. I moved money out of all the account and paid all debt in them. The branch told me my accounts were closed after this. Four years later, XX/XX/XXXX, I have a 1099 tax document giving me the amount of interest one of my accounts has accrued for the fiscal year XXXX, {$16.00}. 
I went to this same branch on XX/XX/XXXX and asked them about this document. The teller said it was a 1099. When I explained that I had closed all my accounts, the manager told me it may be another account associated with a different credit card, or other line of credit. They did not inform me what account it was, they ran my information ( name, SSN ) and couldn't tell me. The manager told me to contact their customer service hotline. XXXX, but this would eat through all my free time and I do not trust this bank.
Consumer complaint received 2022-05-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: DriveTime (GA)

XXXX I have not run a report to buy a car. DT is just one of many I did not make. 

Other dispute statement personal information My alerts are with old number it doesn't allow me to edit and change my number. 

I.habe had my identity stolen so I need to lock my credit report almost always. 
Please delete DT credit inquiry and others trying to buy a car. In XXXX and XXXX Thank you XXXX XXXX Old number XXXX. To be deleted
Consumer complaint received 2022-02-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to XXXX XXXX XXXX. The XXXX XXXX XXXX  account still shows on my credit report and 30 days late. It get my credit score XXXX points down. I m middle of another loan it hurt. 
I call XXXX XXXX XXXX to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and equifax there didnt do any thing. Its more than a month for cash out refinance and XXXX XXXX XXXX  still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency
Consumer complaint received 2022-02-03
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: SYNCHRONY FINANCIAL (CA)

XXXX 1. SYNCBXXXX XXXX Account Number : XXXX XXXX 1. XXXX XXXX Account Number : XXXX I was checking on my credit report and found this accounts with incorrect information for having me a late payment. I was never late in paying my accounts. As shown above, it appears that I have late payments recorded in XXXX and XXXX with account name SYNCBXXXX XXXX with account numbers XXXX. Hoping someone will lend me a hand in updating and correcting the comments on my account ASAP! I don't want this will affect my reputation and will cause of serious harm not only my ability to establish credit and good interest rates but also to my character as a professional and as an individual. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
And under 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Case No.1 Date : XXXX Amount : {$130.00} ( USD ) Actions : Money Transfer made by PayPal XXXX through XXXX XXXX to send a Payment for Goods advertised by Small Business Website. 
To : XXXX XXXX and XXXX XXXX E-Mail : XXXX Case No.2 Date : XXXX Amount : {$130.00} ( USD ) Actions : Money Transfer made by PayPal XXXX through XXXX XXXXs to send a Payment for Goods advertised by Small Business Website. 
To : XXXX XXXX and XXXX XXXX E-Mail : XXXX XXXX