davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OH)

On the Months of XX/XX/2019 to the Day of XX/XX/XXXX I have received Email Transfer Message to be Applied to me for Payment Transaction to my Account. I applied PayPal Request Arrangements for All The Request for Payment Transaction .The PayPal Account is A XXXX XXXX Account The Is Connected To my XXXX XXXX XXXX XXXX Account which is Connected To my XXXX XXXX XXXX XXXX XXXX Account. The PayPal Request Arrangements was made by me for Request payment Arrangement.I do have the Information listed at this time. With Email Addresses and Money Amount's.1 from XXXX XX/XX/XXXX at XXXX XXXX   sent to my email address of XXXX for the amount transferred to my account for {$5800.00} PayPal Transaction I Don't U-sayXXXX .2 From XXXX on XX/XX/XXXXat XXXX XXXX PayPal Transaction I Don't U-2 XXXX. For that Amount of {$7400.00} to my email address of XXXX. XX/XX/XXXX from XXXX Transaction I XXXX XXXX for the Amount of {$2500.00} to my email address of XXXX 4 .On XX/XX/XXXX Request Payment for {$2000.00} to my PayPal account on XX/XX/XXXX from and to XXXX Transaction I D. XXXX. The Email from XXXX was from XX/XX/XXXX for being A Beneficiary of Her Estate Arrangement to Take The Amount of {>= $1,000,000} to my Email address of XXXX. 
5 XX/XX/XXXX from email address of XXXX for Payment Transaction to me for the Amount of {$1700.00} E-ticket # XXXX PayPal Transaction I D. XXXX Request Payment Transaction to my PayPal account and from my Email address of XXXX 6 XX/XX/XXXX from  XXXX for Several Transaction Amounts to my PayPal account I D # XXXX Transaction I D XXXX this is One Amount Request for {$3300.00} to my PayPal account sent to my Email address of XXXX XXXX : : PayPal Spoof @ paypal Customer Service has All Request Payment Transaction To me and my PayPal account Under investigation by XXXX XXXX This is A XXXX XXXX  Account under my Email address that is Registered on XXXX and XXXX XXXX. Please be Advised that I Also am A Member of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
I have Alerts on My Social Security Number, Birthday Birth certificate and Ohio State Identification Number. Along with Multiple Addresses that are listed and Not Listed. Please check Credit Report and Any Credit Request Filed Under my Name and Sociak Security Number. Birthday. I also have One Son that has The Same Name but Different Birthday. Please file my Complaint I filed Thank You. 

They have a link to my account and it is frozen. I can not receive or load the card.
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (AR)

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-07-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MECHANICS BANK (CA)

Thank you for giving me the oportunity to submit this complaint through your portal. 
I want to dispute the following accounts with Mechanics Bank : 1 ) # XXXX, opened : XX/XX/2014, highest balance : {$150000.00} ; 2 ) XXXX, opened : XX/XX/2014, highest balance : {$150000.00} ; 3 ) # XXXX, opened XX/XX/2014, highest balance : {$150000.00}. 

This is the case : This company has been negligent and unfair. They are reporting totally different information across bureaus, and some otrher violations to the California Credit Reporting Act. 

Please send the attached documents to Mechanics Bank. 

Thank you!
Consumer complaint received 2020-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 I requested free annual credit reports from XXXX, XXXX  and Equifax. Before releasing a report, each bureau posed identifying questions that I successfully answered. Equifax, however, asked a question " which of these cities is associated with ... person X. Person X is unrelated, unknown to me, and therefore not a party to any credit account I've obtained. The N/A ( not applicable ) option was missing. I selected an answer that I presume was correct since I was able to move on to the final identifying question. 

I filed a dispute online with annualcreditreport.com and called Equifax on XX/XX/2020. Equifax referred my back to to annualcreditreport.com, denying any connection between Equifax and the questions posed at the site. I've since received a letter from annualcreditreport.com instructing me to contact the bureau ( s ) directly. 

I called Equifax XX/XX/2020 and spoke with a representative who provided ID # XXXX. I was told providing wrong information to " trick '' consumers was part of the Equifax identity verification process. I stated that I understand providing questions about me, that if answered incorrectly, would call my identity into question. I questioned why information pertaining to another would be used to trick me in the pursuit of proving my identity, and he merely stated, " that's a good question ''. The conversation was difficult and my request for a supervisor was denied. I was told my complaint citing the convoluted identifying questions asked by " XXXX '' would be forwarded, but I should not expect to receive a response to my inquiries. 

The point of the call was to seek a process that would ensure the other person 's Equifax history is not otherwise connected to mine and it appears from this call, Equifax may not have a process.
Consumer complaint received 2018-03-27
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: LEXISNEXIS (MS)

First someone used my social security number is not mines nor mines. whomever had this acct they turned the car n but it is on my credit report as a repoe I have no knowledge of this car at all
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

XXXX  equifax and XXXX  has not currently updated my credit report I have documents proving yeah continental reflex and XXXX on the website stating dirty accounts are XXXX balance I notice accounts are closed
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STERLING JEWELERS, INC. (MD)

In XXXX of 2018 I never received any notice of an upcoming bill or that I was late for a bill until after it was put on my Credit report .... I would like these late payments removed by Kay Jewelers for not informing me .... As of today & since XXXX I havent missed or been late on a payment .... This is impacting my score & ability to obtain credit
Consumer complaint received 2020-08-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Veristone Mortgage, LLC (CO)

This complaint is related to, and an extension of, a previous complaint filed against Veristone Capital ( CFPB complaint ID XXXX ). To summarize, I took out a construction loan from Veristone Capital ( VC ). VC stopped funding the loan prior to construction   completion and filed foreclosure proceedings once the note matured. This note was apparently acquired by XXXX, XXXX, in Trust for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX appears on the notice of foreclosure as the current holder of evidence of debt. I received no notice of the sale of the note. As best as I can tell, XXXX  is working in concert with the VC fraudsters. It was my contention in the previous complaint that VC never had the funds to lend in the transaction or intentionally sabotaged the transaction to create a foreclosure opportunity ( which had now been picked up by XXXX ). 
___________________ In the course of the foreclosure process, XXXX has violated CRS 38-38-102.5 ( Colorado 's notice statute ) ; CRS 38-38-103.1 ( Colorado 's single point of contact statute ) ; and CRS 38-38-103.2 ( Colorado 's dual tracking statute ). 
XXXX XXXX, XXXX and XXXX XXXX XXXX  XXXX XXXX, XXXX is/are no strangers to litigation concerning foreclosure actions. The SEC recently issued a Cease and Desist Order against XXXX XXXX based on various foreclosure shenanigans. It is believed that XXXX and XXXX XXXX or essentially the same organization. 
XXXX There is likely a prior working relationship between VC and XXXX to the point of suggesting complicity between the two organizations to defraud consumers through the foreclosure process. Both VC and XXXX should be required to turn over all records and communications between the two relative to this transaction.
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (TX)

I check my Citibank account and I noticed few deposits are coming into my checking and savings accounts and I had to change my passwords and screen Name and I called Citibank and open up a dispute on these larger transactions and they were able to put a stop payment and cancel these transactions but there was a system glitch in the amount of XXXX that came in into my account on XX/XX/XXXX and I never did this or I dont know who bring money into my account and it was canceled and rejected after I called in and report it and it cause my Citibank account to go overdrawn by XXXX but I never withdraw or take any money out if I did then the overdrawn balance would been valid Citibank is holding me responsible for the overdraft balance due to there system glitch ... and I wont pay for this cause I never took the funds from my account and Citibank never offer me to change my account number to prevent more fraud coming in and I do have a pending lawsuit open for this XXXX that was charged into my account that cause a major overdraft on my access account ending in XXXX
Consumer complaint received 2021-11-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

I applied for a loan modification after my forbearance plan was over. I lost my job in XXXX of XXXX due to Covid. I didn't make payments for 18 months. Now I can make the regular monthly payments as I fortunately found a job in XXXX of XXXX. However, I can't pay the entire amount I owe. I would like the missed payments to be deferred to the end of my loan, loan deferral. My lender has just told me over the phone, today, that I don't qualify for a modification or as a matter of fact other options. My only option would be either to increase my salary, reduce my spending, or sell the house or I will take risk of it being foreclosed.
Consumer complaint received 2020-06-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2021-04-24
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)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXX Opened Date XX/XX/XXXX {$0.00} DEPT OFED/XXXX  Opened Date XX/XX/XXXX {$86000.00} XXXX XXXX XXXX , XXXX . Opened Date XX/XX/XXXX {$580.00}
Consumer complaint received 2020-06-30
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. (CA)

I believe i am a victim of identity thief. In XXXX I had my identity stolen through Equifax data breach and this has been confirm on their website. I sent in multiple letter regarding my identity thief incident but XXXX  refuse to send me proof and any document that shows that account belongs to me. I summited a letter as far back as XX/XX/XXXX regarding this incident but they still refused to remove it or show me proof. So far 5 total dispute has been sent and i have the logs and date to prove it and they still never send me any information regarding the fraudulent account but left my credit in a horrendous state. I will include in this the FTC report which i included with 2 letter stating my case and shows proof that i had my identity stolen. I have been on the phone with them for over 10 plus hours and every time the conclusion always come out to the account been verified but without any proof or document. Please help me update this information as i am tired of being ignored by the credit beau.
Consumer complaint received 2022-08-05
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)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/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 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 2020-06-30
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. (CO)

I needed to get credit reports available for my mortgage agent to pull reports for me to qualify for a home purchase. XX/XX/2020 tried to get a temporary lift to credit freeze with Equifax. Used the call number XXXX. After a very long and confusing set of security questions, I was asked specific questions about my credit record. I had a copy of my XXXX   credit report in front of me, but could not identify the finance agencies in the answer choices. I failed the security questions and was " locked out '' the phone line directed me to the website www.myequifax.com where I tried to again lift the freeze. I could only get a screen saying there was a problem and I should XXXX. I tried calling consumer services XX/XX/XXXX at XXXX, again another cumbersome set of ID questions and finally got to a real person who said there was nothing she could do, I needed to FAX my ID info to Equifax Security Freeze Dept. ( XXXX ) and wait 5-7 business days. I called again and another agent walked me through the security questions and said I answered them correctly this time and put me on hold. Then I was disconnected. I tried to call him back but got yet another agent who said she could do nothing. I feel this is a punitive process with " Gotcha '' questions designed to lock out a consumer and frustrate them to the point of removing a freeze altogether so they won't have to go through this ever again. I will not be able to get this report unfrozen in time to qualify for the mortgage and will thus lose this home purchase.
Consumer complaint received 2022-12-01
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. (UNITED STATES MINOR OUTLYING ISLANDS)

I've already submitted a police report and dispute letters stating that the accounts and inquiries that are on my report are inaccurate and have been connected to fraud.
Consumer complaint received 2019-08-20
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 these companys did I hard inquiry on y Credit Report and i did not ask them or give them my permission to do this I have talked with all credit bureaus and they say they will not help or investiagte inquirys I am looking for the companys to provide proof that I gave them permission to run my credit reports
Consumer complaint received 2021-04-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC. (SC)

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX from XXXX located in XXXX North Carolina on XXXX XXXX. The loan was approved by Exeter Finance. Contract was signed, delivery of vehicle taken and down payment of {$1800.00} paid. 

About a week or a week and a half later received a call from XXXX stating that my employment start date of XX/XX/XXXX fell short of Exeter 2 week time frame and Exeter was attempting to not fund the loan. Spoke  with Sales Manager provided information as to documentation provided to Exeter as well as approval from Exeter regarding the documentation. Was advised by XXXX that they would contact me if any further action was required. 

I did not hear from Exeter or XXXX. I contacted Exeter on XX/XX/XXXX attempting to make payment at which time I was told I was not a customer and referred back to dealer. Spoke with dealer and was advised that needed to bring the car back and have it returned to inventory and attempt to repurchase and obtain financing now that 6 months employment criteria was now met without an exception having to be made. 

XXXX has agreed to return the vehicle and exchange it for another that XXXX is offering for sale, however Exeters approval keeps yo yo ing anywhere from {$2000.00} down with 28 % interest XXXX this is agreed upon terms and specified financing option requested XXXX to {$4500.00} down payment requiremented depending on which location ( state ) the car is purchased in. 

XXXX has already titled the vehicle I am in possession of to me with Exeter listed as lienholder. Exeter says I am not a customer. XXXX states Exeter will be repossessing the vehicle. How can they repossess if I am not a customer and have not breached the terms of my contract with them? 

How can they hold a security interest in the vehicle if they are not providing a loan? 

Wouldnt the security interest belong to XXXX as stated in the financing contract they provided stating that they would be transferring the contract to Exeter?
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MI)

My CareCredit ( XXXX ), I was paying on the {$2400.00} balance which I used last year before getting dental coverage through XXXX XXXX XXXX  XXXXXXXX XXXX XXXX. My last month 's balance was {$1600.00} plus, after paying XXXX bill of {$99.00} XX/XX/2022 I received a bill stating that my balance is ( Payment Due Date : XXXX, Statement Balance : {$2400.00} exceeds the opening balance, with a total Minimum Payment Due : {$80.00}, not counting the {$99.00} paid XX/XX/2022 through bill pay from Credit Union ( XXXX  XXXX ). 
I was told that Care Credit retroactively added the 24 % interest from last year, this is unfair business practice. 
I want the balance restored to the balance as of XXXX and give me time by XXXX to pay off that balance. Once my request is honored, I wish to have no further dealing with this bank, because of their business practices. 
The bank 's actions represent greed and unfair business practices and being a senior on a fixed income their action causes undue hardship on me.