davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (AR)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$720.00}
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (KY)

Contact Callers keeps harassing me via phone over a debt placed by XXXX  XXXX. The account begins # XXXX and is for a electric bill in the amount of {$440.00} that they state is now {$600.00}. Ive asked both XXXX and the debt collector for a debt validation letter to be mailed to me for months and have yet to receive anything. I have and continue to receive harassing phone calls daily. I have Never lived at the address in file with XXXX  XXXX and can show proof with my current lease that I was in the same location from XX/XX/2017 to Present.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (TX)

Sorry, I don't have exact dates because I didn't think that this would become a problem. Last fall I contacted PayPal by phone because I couldn't close my account online. Their website would not let. me. The person I spoke to told me what I should do, and I did that and waited. After a few weeks of no contact, I called again. This person told me to do something else to do ( submit a debit card ). Which I did. Weeks later I called a third time to find out what was happening, and was told something else to do. Which lastly, did not work either. I go to the website to try to have them send my my money and close my account, but even with numerous updates. The website still doesn't work for me and there is no one to contact, except foreign operators that have no authority to help. My account still has {$320.00} remaining in it and all I want to do is to close my account with them and have them send me my money. I just don't use their services anymore. They have sent me money many times in the past when I requested it. I literally can't figure out what their website problem is and no one on the phone can help me. 

Name ; XXXX XXXX XXXX ; XXXX ( or ... pm.me ) Address ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ; XXXX, home, can call anytime ( must be human, not XXXX )
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OH)

On XX/XX/XXXX and XX/XX/XXXX my Chime saving and checking account was hacked. Two payments in the amounts of XXXX and XXXX were withdrawn out of my account. I contacted Chime immediately and they advised me on how to process a claim over the phone, the funds where back in my account with few hours. Chime closed my checking, savings account and my visa card a week later. There was no calls warning or update that i wouldn't have access to my checking or saving account which totaling XXXX! I recently changed my direct deposit from my employer to Chime from XXXX bank. I was XXXX XXXX  to find out the day after my direct deposit was finalized that Chime closed both of my accounts and deactivated my bank card. I have NO access to my money in myChime. I can not speak physically to a person they tell me to email and wait 24 hours for a response. THAT IS ABSOLUATELY UNBELIEVEABLE! Chime is an online banking establishment there is no physical location to go into a branch and you cant even speak to a person on the phone after your account is deactivated! Your money, your paycheck, your livelihood! The only option is to email customer service. I emailed customer service. In the email they state the process of closing an account. That for privacy terms they can not explain over the phone what is happening with my account and that the funds in my account would on hold for 15 days! After that my money would be mailed to me by check and could take up to 45 days! I have the emailed all saved. I had to email several times after waiting to get an update on the tracking number or status of my account. This is unacceptable behavior to be treated this way with no answers as to what is going on with my money! I get the check in the mail finally, and at this point I to open a new account at XXXX XXXX. I deposit the check mailed to me from chime, XXXX XXXX placed and additional hold on the check deposited from chime. XXXX XXXX  XXXX fraud dept returned the check and stated it was Fraudulent! Meanwhile I received another check from Chime that was overnighted for the exact same amount. I spoke to a teller at XXXX XXXX  who stated the check looked unusual she remembered when I deposited the check. She asked if the Chime was spelled correctly I advised the check i have is spelled XXXX REFUND. Now XXXX XXXX  has closed the new account I opened and it is showing XXXX and they Fraud dept stated I deposited a fraudulent check when I am the Victim! My Credit score which was on the raise is now plummeting! My saving and checking funds totaling XXXX are still being HELD BY CHIME! I am trying to find a place to live for my daughter and I and this is so stressful I have NO MONEY TO MY NAME TO FEED MY DAUGTHER OR MY SELF! PLEASE HELP ME GET MY LIFE BACK!
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd (GA)

Hi there so I use Wise to transfer and receive money from people that live internationally. I had XXXX taken from wise in the form of two payments. The money was taken on XX/XX/2022 at XXXX XXXX eastern time. The transaction type was direct debit payment. I did not authorize this payment nor did I add this recipient to my wise. I have two factor authentication on my wise account but did not get notified of this at all. I have tried to contact wise by phone and email but have not received any responses I even messaged their XXXX  account but to no avail.
Consumer complaint received 2020-10-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Submitted a dispute to Equifax with court documents to substantiate the erroneous chargeoff and lates on listed on my credit report and they refused to update my credit report. They also did not cite a valid reason why. This continues to affect my credit score.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (TX)

On XX/XX/XXXX my account was charged by a infamous fraud company called XXXX. These charges were unauthorized and unknown. I had only used my card one time that day at a gas station and had to transfer money from my saving to my checking just to do that since my checking account has been @ {$0.00}. Later in the day around XXXX XXXX when I went to the store to purchase an item, I see the unknown unauthorized charges which overdrafter my {$0.00} balance and made it go negative. There were three charges at first, two for {$44.00} and then one for {$940.00}. I reported my card stolen and my bank was closed so I had to wait till the next morning to visit my bank. The next morning I did and when I got my new card and checked to see if my bank had finished the dispute process, I saw another transaction for " XXXX XXXX XXXX '' for {$54.00}. The money was later taken from my saving and my bank has yet to finish the dispute process. There are so many complaints on this MoneyLion company, they need to be shut down or investigated. I have not tried to resolve this with them since reading the reviews, I have seen so many horror stories about this same issue which can only be resolved via email with personal info which I do not want to provide to this fraudulent company.
Consumer complaint received 2021-07-19
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. (FL)

Ive contacting the credit bureaus XXXX, Equifax and XXXX XXXX for a long time now about the account named XXXX. I have contacted XXXX personally asked for validation of the account they are reporting to the credit bureaus. On or around XX/XX/2021 this account was removed from my XXXX XXXX account for lack of verification but for some reason XXXX  and Equifax repot keep lying stated that they have open an investigation but they don't give me any information far proof of what company XXXX has given them that's validated proof clearly this direct violation of 15 USC 1692 and should be handle immediately. 

Also Equifax has responded to my complaint via post card this also a direct violation of my right to privacy stated in 15 USC 1692.

there are also hard injuries that I have called Equifax about in which they lie and act like they don't have information to verify me on file. 

they won't remove address, names and hard inquiries that do not belong to be I will list them below. 

XXXX  had no problem most address but they too will not remove an address that does not belong to me attached is proof of the incorrect information and proof of my identity
Consumer complaint received 2023-03-13
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: DISCOVER BANK (IL)

Account showing its changed off but still haves a balance on it.15 U.S.C 1681 and 15 U.S.C 1681 ( a ) ( 4
Consumer complaint received 2020-10-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

On XXXX I was to appear in XXXX County Curt which I did The mortgage company is Wells Fargo, Wells Fargo had me do a XX/XX/XXXXmodification which I did and submitted to them. In XXXX sometime, governor XXXX did and executive order to stop foreclosures in process until XX/XX/XXXX the courts would re open .then. I was advised that my virtual court date was XXXX with Wells fargo and XXXX County court. Wells fargo approved and made an offer from XX/XX/XXXX-to XXXX, well in this time frame the courts were closed. Today I said I would like to take the offer made, The attorney stated form wells fargo that the offer is no longer valid, I stated this is not fair due to the pandemic how was I supposed to answer when everything was shut down due to executive order for XX/XX/XXXX. Then the Wells Fargo attorney stated that I need to re fill out application again and they may or may not except. I feel I am being taken advantage of during this pandemic and if they will not except my application I loose my home. I need help desperately. Is this legal that they can do this during a pandemic? how was I supposed to respond when courts shut down? Please help me I'm desperate. I can be reached by phone at XXXX or by e-mail at XXXX XXXX
Consumer complaint received 2021-07-19
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: Synovus Bank (NC)

First Progress Card was sent a letter of dispute. After review of my credit reports, First Progress Card has not marked my account as disputed as required by the FDCPA
Consumer complaint received 2021-07-19
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. (MA)

Submitted a dispute to Equifax about incorrect information reported from XXXX XXXX on my credit report and they updated the account with information that I still owe XXXX money. I tried to submit a new one and it was rejected. XXXX XXXX is reporting a repossession/charge off on this account and that is incorrect because I paid off the account and still have the vehicle. XXXX XXXX has yet to send me my vehicle title and it has been over 3 months now. XXXX  still has incorrect information on my credit that is destroying my credit.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I can not retrieve my credit report from Equifax, it always shows a reporting error. I have reached to equifax they tell me nothing is wrong with my profile. This is currently hurting my ability to get a house.
Consumer complaint received 2022-09-16
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. (TX)

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my credit report coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. here are the items that needs to be remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-18
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. (CA)

I have an open mortgage with XXXX XXXXXXXX. I had some delinquencies in 2014 but have been current since that time. Both XXXX  and Equifax still show the lates even though by law those are required to fall off after 7 years. XXXX  has removed those lates.
Consumer complaint received 2021-07-18
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: Exeter Finance, LLC. (OH)

Exeter Fin obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Consumer complaint received 2021-07-19
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. (MO)

Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.
Consumer complaint received 2022-09-16
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)

The credit bureaus stated that the account belonging to XXXX XXXX XXXX was properly investigated and all information is accurate however this can not be true since there are more than 70 violations combined for the XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to 15 USC 1681, all information furnished by the bureaus must be 100 percent accurate. For these accounts, it is reported that they have been charged off according to XXXX however, XXXX reports that they have been charged off and that there is a balance due thus making the accounts past due as of XX/XX/XXXX. This makes no sense and the reported information is not matching up. This mismatch of information is noticeable for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for all six accounts. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were in good standing however XXXX reports 30 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 30 days delinquent however XXXX reports 60 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 60 days delinquent however XXXX reports 90 days delinquent. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were 90 days delinquent however XXXX reports charged off. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were in good standing however XXXX reports unknown status. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were unknown status however XXXX reports that they were current on payments. On all six accounts for XX/XX/XXXX, XXXX reports that the accounts were unknown status however XXXX reports that the accounts were current on payments. The combined 77 violations notated in these six accounts are grounds for removal as they are violating XXXX XXXX XXXX ' rights.
Consumer complaint received 2021-07-18
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. (PA)

I was looking at my credit report and noticed that two credit card accounts were opened and closed in my name. I never authorized anyone to use my information nor did i give anyone my information to use. This one not of my doing or my actions i dont know who could have done this.
Consumer complaint received 2021-07-18
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. (NC)

On XX/XX/2021 I had sent a letter to the three bureaus. I asked them to verify and remove some accounts that were in error on my report. I have not received any results or information back from them in 4 months.
Consumer complaint received 2021-07-18
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: FC HoldCo LLC (OH)

Flagshipcrdt obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Consumer complaint received 2021-07-19
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. (NJ)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2020-09-23
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)

I believe that I am a victim of identity theft and filed a dispute with the credit reporting agencies in regards to it, per section 605B of the Fair Credit Reporting Act. I never received any notifications in regards to the results of the alleged items. It has now been over the allotted time period for when the bureaus are legally obligated to respond to my request. The initial letter was sent certified mail on XX/XX/2020 and was received by the credit bureaus on XX/XX/2020 & XX/XX/2020. I have yet to receive any responses and it has been well over the designated legal time period.