davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (MO)

I am disappointed in seeing the Credit Bureaus take no action in order to remove the fraudulent information from my Credit Report. I have been sending multiple letters with complete attachments of my personal information and an ID THEFT REPORT I received from the FTC. But despite all my efforts to establish a good communication with the Credit Bureaus, the Credit Bureaus have been ignoring my letters as well as became non-compliant with the FCRA section 605b. The Items I am disputing do not relate to any transactions that I have made or authorized, neither did I received any benefits resulting from the theft of my Identity. Also, the Credit Bureaus continued reporting these items without proper verification and authentication. I am appalled by the Credit Bureaus negligence. By submitting this complaint, I am reminding the Credit Bureaus of their obligation with the Fair Credit Reporting Act section 605b. I need the following items deleted completely from 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
Consumer complaint received 2024-03-16
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc (TX)

As of XX/XX/2024 Hunter Warfield Inc sent a email stated that they have my permission to communicate with me through E-mail.Since XX/XX/XXXX there has been another e-mail on XXXX XXXX.According to 15 U.S.Code 1692 ( f ) states that the collection of any amount of including interests, fees, charges or expenses incidental to the principle obligation unless such amount is expressed authorized by the agreement creating the debt or permitted by law and for proof of this debt specifically as well the proof of your authority. U.S.Code 6802 obligations with respect to disclosures of non public information in good faith to resolve this matter amicably I state my demand for proof of this debt specifically the alleged contract or other instruments bearing my signature as well as the proof of your authority in this matter. Absent such proof you must terminate this collection and correct erroneous reports of this debt as mine. For the record I state again I have no account with you Hunter Warfield Inc nor am I your customer, nor have I entered into a contract with you. I must ask for the following information please evidence your authorization under 15 U.S. Code 1692 ( e ) and 15 U.S.Code 1692 ( f ) in this alleged matter.What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt?
Consumer complaint received 2021-08-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Resurgent Capital Services L.P. (OR)

I have disputed a collection account with LVNV Funding and have asked for validation of this debt both directly and with the XXXX credit reporting agencies. LVNV Funding has failed to provide me with any evidence that this debt belongs to me and that they have a legal right to collect it. I am demanding that they either provide me with sufficient evidence that this debt actually belongs to me or that they delete the account from my credit reports. If LVNV fails to either validate this debt or delete it from reporting, I will have no choice but to pursue legal action against LVNV Funding.
Consumer complaint received 2022-02-04
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. (DC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is not supporting or protecting me and my acct. I was the victim of fraudulent charges amounting to approx. {$4200.00}. Wells Fargo was alerted to the problem the same day I was made aware my acct was wiped out. Initial call to bank closed the affected card and identified the transaction and then was given a partial provisional credit while Wells investigated. 10 days later Wells says they are taking back the provisional credit and that they determined the charges appeared valid and closed the case. I called back and re-iterated that these were all fraudulent charges and that they need to be reversed. Wells states there is nothing they can do, they are sorry, and I need to call each individual vendor that made the charges. I even went so far as to do that, and only one reversed a charge ; all the others stated they could do nothing and that I just need to call the bank ( wells ) to make a claim. So Wells is not protecting me, indeed they are seemingly more interested in protecting the criminal. I have been a Wells customer for 30 years and this is how they handle my case. 
On XX/XX/XXXX I was charged 7 various charges totaling {$4100.00} One charge was for a " test entry '' of XXXX cent. followed by 6 out of pattern charges. This should raise a flag (? ) On the same day I made Wells aware, and the above timeline took place. To date i am out all but one of the charges, and Wells is refusing to assist. I also have XXXX  lock and monitoring, and they too will not assist in the identity theft stating that their service which i pay monthly for, doesn't include Debit cards.
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

My credit report reflects a collection company trying to collect on a debt of {$2000.00} in which I did not owe that amount to the original creditor how are they collecting and reporting higher amounts of debt owed on my credit report. They cant collect the debt as the statute of limitation in california is 4 years and they has passed, I recently disputed this same information in which they closed the collection on my credit however it shows closed balance owed of {$2000.00} which is incorrect.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My accounts are currently included a chapter XXXX bankruptcy. Per my attorney 's advisement all of my accounts are currently and should be reflecting as such. my largest account is reflecting on my Transunion report as 120 days past due but current on my XXXX. Seeking to make correction to my Transunion report.
Consumer complaint received 2023-01-27
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. (MI)

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXX : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX XXXX Account number XXXX. 
XXXXXXXX XXXX XXXX XXXX, account number XXXX. 
XXXXXXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX  : Account number XXXX. 
XXXX XXXX XXXX XXXX : Account number XXXX. 
XXXXXXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 
15 U.S.0 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.0 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 2022-02-04
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)

Equifax continues to verify an unverifiable account reporting to my profile and i request Equifax conduct an INDEPENDENT INVESTIGATION into this matter. I need Equifax to provide concrete proof/ any documentation provided by XXXX XXXX of this accuracy of this account and not hearsay.
Consumer complaint received 2017-09-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (CA)

My payments on a loan modification have been getting higher and higher. I am recently divorced the agreement was I keep all the bills and he let me keep the housr with my XXXX young daughters. The house will go to them. I am struggling to make the higher payments i submitted paperwork for refinance help to seterus inc months ago, more than once. Now seterus has sold my loan to XXXX and they are telIing me I have to start all over. I also have a second mortgage with XXXX an equity line of credit that charged me home insurance when I already had it. My payments went up and I am currently behind I pay but not the amount I now owe which has gone up to almost {$2000.00} I am stressed out of my mind. I do n't know what to do anymore. I was told the interest would n't go up anymore yet it 's gone up again.
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

Scottrade provide me with the information I requested on how to file arbitration. It was previously brought to Scottrade 's attention that the arbitration agreements with Scottrade XXXX and Scottrade Bank are mutually incapable, thus I sought clarification on the specifics, as well as requested instructions on how to file a dispute. Scottrade has refused to respond. Furthermore, Scottrade has alleged that I would be responsible for significant administrative/travel/filing fee costs associated with filing an an arbitration case. I have requested information from Scottrade on how to remedy the prohibitively expensive nature of arbitration and have not received a response. I kindly request Scottrade provide information regarding how to file an arbitration claim against Scottrade, Scottrade Bank, and Scottrade XXXX XXXX and the differences in any arbitration agreements.
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade refuses to remove known-to-be-fraudulent information submitted to my IRS file. 
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XXXX XXXX, 2013, should be removed. Scottrade is in possession of a police report that supports this request. 

Please see the attached.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (PA)

My husband 's account was frozen and placed " under review '', with no answers as to why or how long, this was eventually fixed, but not until AFTER missed payments caused by this bank. After he filed a case with CFPB, his account was no longer " under review ''. Unfortunately, everyone else at our address seems to be facing retribution and had their account restricted. I was planning on having my Social Security sent to this account so that we would be protected if this happened again, but when I logged in for the account number for SSA, I discovered that my accounts have been newly restricted. SoFi has not given me a reason, a timeline, and has kept my account frozen.
Consumer complaint received 2015-05-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NJ)

I receive a phone call from XXXX saying they are XXXX Credit, that there is a XXXX account in my name, not at my address, that has a bill for {$500.00}. They leave no voicemail, and are never able to answer when you call back. This has been going on for months. I have had my credit checked and fraud alerts on and nothing matches what they are saying is the issue. I need this to stop.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (KS)

I recently signed up with Verizon cell service. I applied for a Verizon credit card. On XX/XX/24 I received a letter in my XXXX mailbox at my home. It was from Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX The letter stated they needed more information to confirm my identity. They had my address already but I gave them my ss number. Then I got suspicious of a scam and ended the call. I contacted Verizon and was told they are not associated with this bank. So now I have problems.
Consumer complaint received 2022-07-20
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. (MO)

I am disappointed in seeing the Credit Bureaus take no action in order to remove the fraudulent information from my Credit Report. I have been sending multiple letters with complete attachments of my personal information and an ID THEFT REPORT I received from the FTC. But despite all my efforts to establish a good communication with the Credit Bureaus, the Credit Bureaus have been ignoring my letters as well as became non-compliant with the FCRA section 605b. The Items I am disputing do not relate to any transactions that I have made or authorized, neither did I received any benefits resulting from the theft of my Identity. Also, the Credit Bureaus continued reporting these items without proper verification and authentication. I am appalled by the Credit Bureaus negligence. By submitting this complaint, I am reminding the Credit Bureaus of their obligation with the Fair Credit Reporting Act section XXXX. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXXXXXX, XXXX, A XXXX A XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX BANK XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IN)

I have disputed XXXX with Experian for over a month. Experian will not let me dispute it anymore even though they are reporting that I have an unpaid balance for XXXX of {$320.00} and this has been paid. I just want the report to read correctly or to delete XXXX since it has been paid. Thank you
Consumer complaint received 2024-03-09
Product: Credit reporting 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. (TX)

I was checking my credit report and notice several unauthorized inquires. They are as follow. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-04
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2024, PayPal released the funds held in our account. We opened a previous case ( XXXX ). My business ' address is XXXX which is used as the PayPal account 's primary email address. 

However, shortly after, without prior notice or explanation, PayPal initiated another hold on our funds. This action severely hampers our business operations and cash flow, impeding our ability to fulfill orders and procure inventory. 

Despite providing extensive documentation and clarifications regarding our business model and operations, PayPal continues to arbitrarily impose holds on our funds. This pattern of behavior by PayPal has caused significant disruption and financial strain on our business. 

We have proactively engaged with PayPal 's customer support, provided requested information, and cooperated fully with their inquiries. However, the recurring holds on our funds without justification are unacceptable and detrimental to our business 's viability and growth. 

We urge consumerfinance.gov to intervene and facilitate a resolution to this ongoing issue. Your assistance in addressing this matter is crucial in ensuring fair and transparent treatment by PayPal and the swift release of our funds. 

Thank you for your attention to this matter.
Consumer complaint received 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2015-06-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: The CBE Group, Inc. (FL)

Was a XXXX wireless customer for 10 plus years and worked for a company that received a discount. XXXX renewed my contract with the purchase of XXXX smart phones of which one was returned. I retired from the company a few months later to which XXXX took away the discount. I told them that they voided my contract so I was under no obligation to fulfill theirs. I paid them the amount I owed them for there service but refused to pay for a early disconnect fee. XXXX has sold my account to CBE which is now calling me on my home phone XXXX a day and is now calling me on my cell phone.
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC (NC)

This company calls me numerous times a day ( at least XXXX ) ..they have also called my work XXXX times daily, they have been told several times not to call me at work because im not able to receive personal calls, and they continue to call. If I do not answer they start calling from a blocked number.