davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

I was purchasing some concert tickets through XXXX  and the seller asked to use XXXX to transfer {$100.00} for 2 tickets in which he would then email me the tickets. I figured that XXXX had the same protections as XXXX services. I transferred the {$100.00} and the individual never emailed the tickets or responded to text messages. I contacted Wells Fargo within 45 minutes of the transaction and they informed me they couldn't stop the transaction so I am now out {$100.00} and not attending the show.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I was informed that I am a victim of three data breaches since XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on Equifax 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. Equifax is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and the dates in question are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC (MI)

In XX/XX/XXXX we contracted XXXX XXXX to install a new Heating and Cooling system. We agreed. They indicated they used GreenSky and XXXX XXXX XXXX to extend the 18 month 0 interest loans through. I have excellent credit so I was not concerned. I put a substantial amount down on the loan to ensure that I would pay it off in the 18 months. They initiated the loan on XX/XX/XXXX. I made the first payment on XX/XX/XXXX through an electronic payment. They did not credit the account - I had bank contact them. They finally acknowledged payment. My payoff on the account is higher by half of the {$390.00}. payment than what it should be if you call in. The statement for the payment made electronically on XXXX is not showing today on XXXX. I have not received any statements for the XX/XX/XXXX Payment. There is a download button which does not work on their website so there is NO WAY TO ACCURATELY DOCUMENT WHAT THEY ARE DOING or WHAT THEY ARE CHARGING. They repeatedly tell me that if it is paid off before XX/XX/XXXX I will not incur any interest but I have very little faith when they do not even provide statements or a method to download the statements. And they are unable to update their online account with payments and statements to reflect what is paid and how it is applied.
Consumer complaint received 2021-06-03
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: EQUIFAX, INC. (PA)

XXXX XXXX has responded to complaints that I have filed with CFPB in which they have admitted on three occasions that there were fraudulent charges to my account .These charges led to fees and charges to the account by XXXX XXXX. XXXX XXXX has never mentioned the legitimate charge for which I paid XXXX  XXXX and then the product I purchased arrived broken and I returned the product and the vendor credited my account leaving the account with a credit balance which XXXX XXXX owes me. Documentation supporting my position was mailed to XXXX XXXX Customer Advocacy Office however XXXX  XXXX has never acknowledged the documentation. XXXX XXXX has erroneously reported my account as being delinquent thus destroying my credit report.
Consumer complaint received 2022-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

I am filing a complaint about my Car Loan Company Ally Auto. I have made regular monthly payments and in the last month they have been deeply harassing me and trying to use bullying and intimidation tactics to get me to pay more payments without explaining why. When I logged onto to my account I could not see where I had missed a payment and I keep trying to tell them there is a technical issue and I am continuing to receive numerous calls text and emails me stating that I am two months behind which is not true. 

I made my XXXX XXXX XX/XX/22 and I Just made my XXXX XXXX XX/XX/22. I have made payments every month. 

When I called the customer service agent refused to hear a word I said and kept repeating herself and I also had a very hard time understanding her. What can I do to protect myself from this type of harassment?
Consumer complaint received 2022-10-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Hi, Ive been working to resolve an issue with Experian since XX/XX/XXXX. A company I financed a loan with reported my correct address, but my incorrect zip code. I contacted Experian ( and the loan company ) to fix this issue. The loan company fixed it in 1 phone call. The agent I spoke with under Experian was kind and friendly and said it would take 48-72 hours to resolve. 4 days later, when the issue was still present on my report, I called again. Another friendly agent said theyd help and to wait 48-72 hours. 4 days later, the issue was still present. I spoke with Experian on the phone regarding this same issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Somewhere along the way, an agent deleted my entire correct address. Now, instead of my report reading just an incorrect zip code, it has an address that is not even in the right state anymore. Ive spoken to a dozen agents and at least XXXX managers, have been promised calls back multiple times ( and they never call back ), and everytime I ask to speak to a manager they connect me to a different department that says they can not help me with my issue. At this point, I can not get approved for a loan, house, or even a savings account because my credit bureau doesnt match my actual residential address. I can not get ahold of anyone that will help and I have lost hope. I have no idea how to resolve this issue. Someone please help me.
Consumer complaint received 2022-07-22
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. (GA)

In Accordance with the Fair Credit Reporting Act .... XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy. 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions.
Consumer complaint received 2017-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On  XXXX   XXXX ,  2017 , PayPal restricted my account  XXXX  XXXX  XXXX , because the associated   XXXX    account,  XXXX , was restricted by  XXXX  earlier that day. The  XXXX  account had all its listings removed and was restricted indefinitely due to fraudulent infringement claims filed by an   XXXX    competitor. The same competitor had been filing similar false infringement claims for over a year. On  XXXX   XXXX , I contacted  XXXX  to make them aware of the error. On  XXXX   XXXX ,  XXXX  admitted they erred and restored the selling privileges for the  XXXX  account and reinstated all the listings which were removed.     I then contacted PayPal by phone to have the hold on my funds removed, but was told by the PayPal rep that the hold couldnt be removed because the  XXXX  account was not in good standing. But the   XXXX   account  WAS in good standing, having already been restored. I followed up with emails to aup.paypal.com  on  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX . To date, the only response provided by PayPal is that the account will remain restricted due to violations of Paypal 's User Agreement.     To be clear, the hold placed on the PayPal account was a direct result of a mistake made by  XXXX .  XXXX  admitted the mistake and reversed th e action they took due to the mistake. However, PayPal will not reverse the action THEY took due to t he mistake.
Consumer complaint received 2018-09-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE (CA)

I will make this short. I took out a loan to rid myself of debt. XXXX XXXX XXXX issued the checks for payees. After over a month I was told the check cleared. The check did not clear to the correct payee. Somehow Barclay Bank cashed the check. As you will see on the back of the check Barclays. 
Called Barclays Bank was told the do not see Any check for $ XXXX-Also they have no real way to check this. In todays world no way to check for a check! Wow I need help the check cleared ( Ihave the proof ) I have been to XXXX Hospital 2 times in less than 30 days. This whole thing is stressful!! I take my credit very serious so when Barclays keep they have no way of check this extremely disturbing. I can not longer handle this my XXXX hurts!! 
Hospital visits can b proved!! No more stress get it together.Barclays
Consumer complaint received 2017-06-15
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: Experian Information Solutions Inc. (NY)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re : unauthorized inquiry To Whom It May  Concern : I would like to dispute an unauthorized inquiry from  XXXX  which was made on  XXXX / XXXX / 2016 . I checked my credit report, which I acquired from Experian.   I have contacted  XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2018-09-15
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. (TX)

ON XXXX XXXX I CHECK MY EQUIFAX CREDIT REPORT AFTER HEARING OF THE BREECH IN THEIR SECUIRTY SYSTEM. I FOUND OUT THAT I HAD THREE ACCOUNTS ON MY REPORT THAT WASN '' T MINE. SO I SUBMIT A ONLINE DISPUTE ON XXXX XXXX. EQUIFAX NOTIFIED ME THAT THEY VERIFIED ACCOUNTS WAS MINE IN XX/XX/2018. MY SECOND ATTEMP ON XX/XX/2018 I SENT EQUIFAX A WRITTEN DISPUTE ASKING EQUIFAX TO SEND ME VAILDATION OF THESE ACCOUNTS WITH PROOF OF SIGNED CONTRACTS .ALSO ASK THEM TO GIVE ME THE NAME OF THE PERSONS AND SIGNED CONTRACTS OF WHO VERIFIED THESES ACCOUNTS. EQUIFAX REFUSED TO PROVIDE ME PROOF. 

ON XXXX XXXX EQUIFAX AGAIN SAID THE VERIFIED ACCOUNTS AND DID NOT SEND ME PROOF OF ANYTHING. NOTHING WITH MY SIGNATURE ON IT, NOT CONTACT INFORMATION OF ANY PERSON WITH THE COMPANIES THAT SO CALLED VERIFIED AND THE CONTINUE TO REPORTING NEGATIVE ITEMS. 
IN XXXX EQUIFAX NOTIFY THAT THEY VERIFIED IT AGAIN AND ONCE AGAIN THEY DID NOT PROVIDE ME PROOF LIKE I REQUESTED FOR THE SECOND TIME,. 

ON XXXX XXXX FOR THE 3RD TIME, I REQUESTED AGAIN FOR EQUIFAX TO PROVIDE ME PROOF OF VALIDATIONS OF ACCOUNTS. ON XX/XX/2018 EQUIFAX NOTIFIED ME AGAIN WITHOUT PROVIDING ME PROOF. I HAVE JUST INGORE MY REQUEST TO PROVIDE PROOF. 

THEY NEVER PROVIDE ME WITH NO PERSONS NAME, OR CONTRACTS WITH MY SIGNATURE ON IT. I FIND THAT THEY ARE NOT VALIDATING ACCOUNTS. 
SO I ASK THEM AGAIN TO PROVIDE PROOF OF THESE S ACCOUNTING BELOW, IF THEY CANT PROVIDE CONTRACTS WITH MY SIGNED SIGNATURE I DEMAND EQUIFAX TO REMOVE THESES ACCOUNTS FROM MT CREDIT REPORT IMMDEDIATELY AND SEND ME A NEW CREDIT REPORT XXXX 

XXXX 'S XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-15
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)

The inquires on this report are in correct and in direct violation of USC 1692G & USC 1692J : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2022-08-01
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXXXXXX XXXX, {$9800.00} was stolen from my checking account by a ACH debit transfer. I disputed it immediately in the next few days when I found it ( I was on a flight XXXX to XXXX the whole day of XXXX XXXX and was impossible to do any transfer ). The contact told me that they would send me a letter and I needed to return it physically. Since I was not in the US, I asked a friend to check my mailbox regularly but never got it. I returned in XXXX and called Chase again and it turned out that it was an electronic mail that I had to download from my Chase account and this case was closed. I asked them to reopen this case so that I could resubmit the form. I submitted the form later, and they rejected my disputes because " not all the transactions are disputed ''. It turned out there were two other transactions worth {$0.00} on XXXX XXXX which I didn't even notice. Shouldn't be Chase 's due diligence to review the disputes and ask if there are other potential fraud transactions instead of rejecting my dispute because not all transactions are included?
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (MI)

XXXX XXXX IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND XXXX XXXX IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.
Consumer complaint received 2018-09-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Westlake Services, LLC (CA)

I received a loan from XXXX XXXX XXXX in XX/XX/2018 for {$6500.00}. At 75 % interest. I made every payment including the XX/XX/XXXX payment. On XX/XX/XXXX I had an electrical fire in the truck. I notified XXXX and they contacted my insurance company with a loan pay off amount of {$7300.00}. Which was strange because as of XX/XX/XXXX the loan principal was {$6200.00}. My insurance made a payment to XXXX XXXX XXXX for {$7300.00} on XX/XX/18. I have a copy of the check. On XX/XX/XXXX my normally scheduled payment date I began getting 4 to 5 calls a day claiming my payment was late. I checked my online payment history and it showed a payment of {$5700.00} was made but I still owed a principal of {$920.00}. The calls continued 4 times a day everyday as late as XXXX. After attempting to speak with the various managers and having to argue my case. They claimed to start a payment investigation which still has yet to be resolved. I'm assuming the {$5700.00} was the true principal owed and once they knew insurance was involved they changed the principal to {$7300.00} with a plan to pocket the {$920.00} but failed to change the principal back in the system. So not only do they owe me that money but they are also attempting to collect it from me.
Consumer complaint received 2018-09-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (IL)

Good evening CFBPB members, On or around XXXX XXXX I received an email stating that my credit report has been changed, so I went to check my scores on XXXX. It stated that my XXXX  score had dropped XXXX points! I was shocked because I worked so hard to get my score from where they were to XXXX then to see that they fell to XXXX. A collection agency called AFNI, INC. place a XXXX XXXX on my report for {$370.00}. This bill has been paid in full. I will attach a copy of the bill for CFBPB members to look at for their review.Please assist me, I had XXXX at one time but I do not use them and therefore needs this negative item removed from my credit report. I am looking to purchase a home with my family and can not have negative marks on my reports when the bank sees them. Thank you all for your support.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Professional Recovery Management (FL)

I was seen in the Emergency room at XXXX XXXX Hospital in Tennessee in 2015. The bill of XXXX $ was send to the Insurance and paid. Spoke with hospial and was told they Did Not send in a claim. Then talked to billing department and was told they had nothing against me. I dont have any paperwork on it. But XXXX did pay the bill. My ssn.XXXX. 
My birthday XXXX XXXX XXXX XXXX. I dont know any XXXX XXXX   and was never contacted by them. I need to get this off my credit report. I talked to the hospital and billing department and each time was told there is nothing. Please get this corrected or let me know what else I can do. I requested a statement but never received one.