davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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. (NC)

I hope this is my last Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$85.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-12-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (OH)

I have a I do not recognize XXXX XXXX XXXX XXXX # XXXX account. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I owe. I request that XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (VA)

Upon checking my credit report, all 3 major bureaus Hunter Warfield is listed in collections. I have never had any accounts or dealing with this company. I did not sign any contracts with this company. I requested that they validate the account in which they are attempting to collect the debt and they have not done so. I requested this on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a copy of a lease for XXXX/XXXX/XXXX that expired XXXX/XXXX/XXXX. I am being billed for rent in which I did not reside at the location/residence. This company states that I owe them and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information off my credit report, as it is wrong. Each month this company reports to the three credit bureaus raising the alleged amount of debt.
Consumer complaint received 2023-01-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Upstart Holdings, Inc. (NY)

UPSTART LOAN, HAD A LOAN TAKEN OUT IN MY NAME, THE FUNDS FOR THE LOAN WERE TRANSFERRED INTO MY BANK XXXX XXXX ACCOUNT # XXXX THE UPSTART LOAN NUMBER IS XXXX THE LOAN WAS NOT TAKEN OUT BY ME AND WAS FRAUDULENT ON ALL ACCOUNTS THE DATE THAT THE FUNDS WERE TRANSFERRED TO MY ACCOUNT WAS XXXX XXXX
Consumer complaint received 2023-01-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, XXXX  and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/22 around XXXX, I searched online for a hotel reservation in XXXX XXXX SC for XX/XX/22. I found one on XXXX and submitted for reserving a room for XX/XX/22 and paid {$190.00} for it through PayPal. When my wife and I arrived at the hotel on XX/XX/22 we were told we had not reservation. I showed the confirmation and was told that was for the night before, XX/XX/22. I disputed this with the hotel ( XXXX ) and was told to contact XXXX. I contacted XXXX and submitted my dispute. They said it would take some time to process. My wife and I went to another hotel and paid for a nights stay. I contacted XXXX for several days without any resolution. I then filed a dispute with PayPal for a refund. After approximately one month I received no resolution. I then went to my bank, XXXX XXXX XXXXXXXX and filed a dispute. My bank was able to resolve and refund my amount. I now am trying to close my PayPal account but PayPal has placed limitation on the account and refuses to allow me to close this account after numerous attempts to close. I am filing this complaint to make PayPal aware they need to close my account immediately as I do not want an open account with this company any longer.
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I received a letter in the mail from a company called IC Systems, asking me if I would like to accept an offer settlement for a debt I do not owe or know anything about. This debt can not possibly be mine as it states the original creditor is XXXX. I currently have an account with XXXX  and have been a loyal customer for XXXX years. How can I have a collection account and have my service on at the same time? I have already submitted an ID theft/ Fraud report because someone has been attempting to obtain credit in my name. 
Under the XXXX XXXX Collections Practices XXXX a debt collector is to provide proof and validation that this debt even exists. You did not do that. Because it doesnt. I am demanding you provide a copy of the original contract signed by me and prove that is my real signature, a full accounting ledger of this debt, and proof that I even owe this debt. You will not be able to do that. 
15 USC 1692b and c states that a debt collector must cease all communications and collection efforts once notice is received. This is your notice. 
15 USC 1692g states a 30 day notice must be given to a consumer to dispute the validity of a debt. I never received a notice. You placed this on my credit report to be malicious and as a scare tactic. You are attempting to put me under duress and force me to pay this debt. 
I have filed a Fraud report with the Federal Trade Commission, if IC Systems had followed the law and taken the proper precautions before reporting this to the major credit bureaus, you would know that. Under 15 USC 1681 all fraudulent accounts reported by a consumer that furnishes a fraud report, are to be removed within four days. XXXX, XXXX and XXXX have been put on notice already. Because this so called company failed to complete their due diligence you are in violation of these rights protected by federal law. 
XXXX CFR XXXX gives the consumer the right to opt out under the Fair Credit Reporting Act, before any creditor places an item on their credit report. Each company is to give a 30 day notice to the consumer and offer this chance. IC Systems has also failed to do this. 
The Privacy Act of 1974 clearly states that written notice and consent must be given to all consumers before any private and personal information is to be shared from one agency to another agency. Once again IC Systems has failed to do this.

Under 18 USC 8, all debt is alleged debt. WE as consumer do not owe any debt and all debt are the obligations of US govt. 
IC Systems has shown Willful Non-Compliance and disregard to all federal laws. I am demanding that you remove all erroneous, fraudulent, fake tradelines from all credit bureaus within 4 days of receiving this notice and pay a penalty for this violation. 

XXXX and XXXX were quick to add this tradeline to my report without doing any research, yet take their time or ignore my Fraud reports sent to them. I will be pursuing legal action against these entities.
Consumer complaint received 2022-08-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FORD MOTOR CREDIT CO. (MI)

leased a vehicle through ford motor credit in XXXX XXXX XXXX  after lease ended in XX/XX/2020, I was billed from ford motor credit due to going over the miles allowed on the lease I have been making payments to the best that I can to get rid of the account from ford motor credit recently ford motor credit sent the account to a lawyer office without my consent and knowledge the lawyer office is named XXXX XXXX XXXX  this office only accepts payments by mail, which I'm not comfortable doing due to what's going on with the postal system and it's sketchy that ford motor credit would send my account to an office like this, and ford motor no longer wants to take payments from me as a consumer they are more concerned with a balance than taking payment so that they are paid off
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I disputed inaccurate and incomplete information on credit card Account # XXXX with XXXX and XXXX XXXX See attached. This account has been reporting incomplete information throughout the entirety of its life. In the XXXX report, there are 12 months that are reporting inaccurate and incomplete information. In the XXXX report, they are reporting incomplete information for 23 months, and inaccurate information for the month of XX/XX/2021. Furthermore, after disputing with the credit reporting agencies, I have not received any correspondence from Citibank acknowledging my disputes. It is unclear whether or not Citibank is reinvestigating the information being reported. I also can not access my bank statements at this time because their website is down, but I will most certainly provide those at a later date.
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. ()

This is my 3rd complaint against Chase Bank, first for taking months trying to close my savings/checking accounts unsuccessfully ( XXXX ), second for a letter notifying me to charge $ XXXX monthly fee for my savings account that I 've been trying to close since XXXX ( XXXX ). Now, I received yet another letter this time to notify me that they are going to change me $ XXXX monthly fee for my checking account, which I 've also been trying to close since XXXX. Apparently, they have reactivated my accounts, which I did n't ask, instead of closing them. I had even took a trip to the US embassy in XXXX to have my document ( a request to close both my accounts ) notarized and paid {$50.00} for it. And it was for NOTHING,  apparently. Their instructions are useless and inconsistent ; one customer rep said one thing, the next one said another ; it 's never consistent and no one is taking a responsibility for it.
Consumer complaint received 2023-01-01
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: Paypal Holdings, Inc (LA)

I had a return credit XXXX to my prepaid card by XXXX XXXX XXXX pay pal prepaid decided to keep my funds for 5 days after the retailer XXXX had returned my funds XXXX has communicated with me that my funds had been returned to my card but pay pal has not released my money
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (UT)

I have been a Wells Fargo customer since 2015 and time after time I have been charged for random things and then acquired an overdraft fee when charges werent even made by me. I would report the charges and then they would look into it and then they put overdraft fees on for thing I disputed because it was not me. This has been happening since I opened my account with them. They have reported falsely on my credit and destroyed my credit because of payments bouncing back for low funds when my card was being charged in different states and they refused that it was fraudulent.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

The reference number is a quote from CITI Bank XXXX I initiated a transfer to XXXX XXXX on the XX/XX/22 for XXXX XXXX United States Dollars . 

For beneficiary address error, the beneficiary bank, XXXX XXXXXXXX XXXX, returned the money back XX/XX/22. 

I initiated all communication to inquire about the status of this returned funds to CITI bank, all I get is back office this, back office that! 


Today XX/XX/22 is my second official email to CITI bank via XXXX For withholding my money for over a month! 

Making my money that ought to generate some interest to loss value and gains, putting me and my family into suffrage! 

I hope the Citi Bank will be responsible enough to quantify and compensate my suffering within the period of withholding my money, without communicating or following up with me about progress and status of my funds.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I had a mortgage with Wells Fargo between XXXX and saw that there was a settlement. I was not contacted by Wells Fargo about this but my information has changed. I no longer have an account with them as the house was paid off in XXXX. I wanted to see if I was eligible for this settlement and suppose to be part of the settlement. My name on the loan was either XXXX XXXX XXXX XXXX XXXX  as I was married when I originated the loan but then divorced while I had the loan.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

Hello CFPB, Thank you for assisting us, the borrowing public, with our credit and finance matters in dealing with the notorious consumer-law breaking credit reporting agencies, debt collectors and creditors. They so blatantly violate the consumer-protection laws and rules. All of the above entities are rascals and must be reigned in. 

My complaint is with debt collector CBE GROUP of XXXX XXXX, Iowa. I had disputed this debt in the amount of {$210.00} about 9 months ago with XXXX XXXX XXXX XXXX of XXXX XXXX, Minnesota who deleted the negative remark after I had complained to the credit reporting agencies for lack of response from XXXX XXXX XXXX XXXX  Then, The creditor or XXXX XXXX XXXX sold it to the present debt collector, XXXX XXXX as it was not collectible due to its invalid status. Fortunately, this negative remark is only on my XXXX  credit profile. 

I have herewith attached a copy of my dispute letter addressed to the original debt collector, XXXX XXXX XXXX XXXXXXXX, and to which they failed to reply. 

Please contact the debt collection firm, CBE GROUP and request them to remove the derogative because it is interfering with my ability to get ahead financially.

Also, please advise the debt collectors, in somewhat harsh language, to behave and align with the consumer-protection laws.

Again, thank you very much CFPB staff for the good work you are all doing at the CFPB.
Consumer complaint received 2023-03-21
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 XXXXXX/XX/2022
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX is reporting three accounts on my credit report that I have disputed directly with them on XX/XX/22, after my dispute to Equifax, XXXX and XXXX about on XX/XX/22. 

XXXX and XXXX have deleted the accounts, but Equifax has not deleted the accounts nor have they responded with any status of their investigation. 

XXXX XXXX XXXX also has not responded to my direct request for information regarding the three accounts.
Consumer complaint received 2022-09-30
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. (NY)

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items/information from my credit report : Inquiries XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment 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 2023-01-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (NY)

I do annual background checks and found my name common in the among XXXX XXXX. XXXX {$300.00} debt after I try to prove my name is still not XXXX fully changed to own rent property. Then they place debt on me that was own out of state with me having me paycheck as working in XXXX XXXX XXXX XXXX XXXX  Them only change they year of it was own. Plus the unsolved dispute only original XX/XX/XXXX to XX/XX/XXXX change the date not received report my current address. Call few time only want to collect information XX/XX/XXXX to XX/XX/XXXX they address new address to credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX ever lived or been at. Own removed middle month with dispute ( XX/XX/XXXX ) since it was original XX/XX/XXXX. Pay check sub proof is XXXX XXXX week week work overtime in XXXX XXXX  of the original collection.