davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (VA)

I, XXXX XXXX, submit this claim directly for myself, and there is no third party involved. This is a response to past claims submitted to the CFPB under the following case numbers : XXXX and also XXXX. I have submitted a complaint through the Better Business Bureau in regards to this matter ; the complaint number to reference to is XXXX. I also have a report through the FTC as well for identity theft. Fact, the defendant " Wells Fargo '' has failed to respond to a valid debt validation within the proper timeframe given from Congress [ 15 USC 1692g ( b ) ]. Fact, " Wells Fargo '' was given 30 days to reply from XX/XX/2021, when they received the debt validation letter and a cease and desist ; proof can be found in the attachments " Exhibit [ 13-16 ] '' and " Exhibit [ 17-18 ] ''. Fact, I, XXXX XXXX, have proof in " Exhibit [ XXXX ] '' and " Exhibit [ 10-12 ] '' that " Wells Fargo '' in bad faith continued the collection process without proper verification or judgement of the debt, violated the Gramm-Leach-Bliley, violated the cease and desist [ 15 USC 1692c ( b ) ], and has committed aggravated identity theft of my personal information. Fact, I have provided evidence and a competent witnesses in both of my affidavits sent to " Wells Fargo ''. Fact, " Wells Fargo '' has supplied no facts, witnesses, or evidence to justify what they did. Fact, " Wells Fargo '' is civilly liable for the damages bought unto I the consumer [ 15 USC 1692k ]. Fact, if " Wells Fargo '' does not reply to my affidavit of truth with a counter affidavit, then my affidavit will stand as truth and everything in it, and I will pursue litigation in court with proper jurisdiction, federal court in a class action suit. Fact, I have given " Wells Fargo '' an opportunity to cure sent with both of my affidavits.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also, know as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. I have never paid 30-days late and when I contacted XXXX XXXXl , they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 2nd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, XXXX, and Equifax.
Consumer complaint received 2021-11-24
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 the consumer and the natural person making these claims on behalf of myself. I, the consumer, sent the reporting agency ( Equifax ) a fax containing my FTC reports on XXXX. I called the reporting agency on XXXX to confirm that theyve received my faxed documents which contained all three ( 3 ) of my FTC reports. During my call with the reporting agency, I spoke to XXXX ( supervisor in the fraud department ) and he provided his employee ID # : XXXX. XXXX confirmed that my faxed documents containing all three ( 3 ) of my FTC reports were received on XXXX. XXXX also informed me that the reporting agency deemed my FTC reports invalid. I asked why were my FTC reports deemed invalid. His response was, because there are more than XXXX ( XXXX ) accounts being reporting on my FTC report. I then, notified XXXX that those findings are incorrect, because all three ( 3 ) of my FTC reports have XXXX accounts or fewer on each of them as I described below : FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX  XXXX XXXX accounts, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX SERVICES accounts. 
FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX FUNDING accounts, and XXXX ( XXXX XXXX XXXX XXXX  accounts. 
and finally, FTC Report Number : XXXX ( XXXX pages ), have XXXX ( XXXX ) accounts on it : XXXX ( XXXX ) XXXX account, XXXX ( XXXX ) XXXX XXXX account, XXXX ( XXXX XXXX XXXX XXXX account, and XXXX ( XXXX ) XXXX XXXX XXXX account. 

XXXX ignored what I was telling him and chose not to investigate the problem any further. I do not agree with the reporting agency decision/ findings as it is deemed inaccurate.
Consumer complaint received 2021-09-22
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. (OK)

In XX/XX/2021, I sent a total payment of {$830.00} in full settlement of the amount reported to the credit bureaus. I noticed few weeks later that the collection agency reported receipt of {$750.00} contrary to the money order sent. I sent evidence of the payment to XXXX and Equifax credit reporting bureaus however, their conclusion did not change the negative report on my credit report. 

The collection agency reported to XXXX and Equifax that I still owe XXXX XXXX XXXX ( Original owner of the account ) {$87.00}. This is an abuse of customer right to fair report as full payment was made as full settlement. An amount of {$87.00} as still owed was reported by the collection agency to the credit bureaus. I have disputed this claim multiple times with XXXX and Equifax and nothing has changed despite compelling evidence submitted to the credit reporting bureaus.
Consumer complaint received 2021-09-22
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. (AL)

Contacted Equifax several times to dispute many duplicate credit inquiries ( 12 total ) from XXXX XXXX XXXX XXXX, Only ( 1 ) of these many inquiries were made outside of XX/XX/2020 and should be deleted for the reason of duplicate credit inquiry entries within a certain period of time. 

Equifax is able to see all of these inquiries and dates but have refused to take immediate action to delete these entries but instead placing the burden on the individual disputing the item ( s ) to complete a burdensome process. 

Lenders can confirm current or previous credit requests for customers but instead contribute to lowering consumer credit report scores by fraudulently processing multiple credit inquiries. 

Credit bureaus should also provide consumers the right and a way to dispute inquiries within their credit report files such as other account dispute processes either online or over the telephone with a representative..
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

I sent a debt validation letter on XX/XX/2021 and Transworld System Inc and they received it on XX/XX/2021 via certified mail to XXXX XXXX XXXX XXXX, DE XXXX. This company has failed to validate this debt by not responding at all. Please delete this information from my credit file and cease all collections activities immediately.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The negative items are constantly reporting on my Credit Report. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off : XXXX XXXX XXXXXXXX {$2600.00} XXXX {$2600.00} XXXX XXXX {$860.00} Date opened : XX/XX/XXXX XXXX  XXXX {$460.00} Date opened : XX/XX/XXXX XXXX {$1000.00} XXXX {$9200.00} Late Close : XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX, and continued reporting false information without any proof provided, within the time allowed by law, is not authorized. How can be the payment history shows a 90 days late ( XX/XX/XXXX ) without showing a 30 and 60 days of late payments? You are attempting to violate this clear understanding. Below are the accounts that are reporting late on my Credit Reports XXXX XXXX XXXX XXXXXXXX ***** Opened Date XX/XX/XXXX Balance {$3400.00} XXXX XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$4400.00}
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (NM)

SEE ATTACHED FILE ... .CALLED BANK ( DISCOVER ONLINE BANKING ) TO INITIATE A DEBIT CARD CHARGEBACK BECAUSE MERCHANT IS REFUSING TO GIVE ME A REFUND, AS STATED IN THEIR POLICY. 
CONTACTED XXXX  AND FILED COMPLAINT ON XX/XX/2021
Consumer complaint received 2021-09-22
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. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2022-08-23
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: Possible Financial Inc (FL)

XXXX XXXX Possible Financial These companies have been disputed by all three major credit bureaus for reporting fraud on my credit profiles. I have both written and electronically asked for debt validation sources numerous times, including contracts with my photo ID and my signature as well as GPS location, and these companies have failed to provide requested documentation to me within 30 days of disputes. These accounts were fraudulently obtained without my consent or knowledge by my XXXX  ex-husband in an attempt to ruin my chances of success after having XXXX XXXX XXXX these items have negatively affected myself and my children from obtaining housing and transportation and I demand these items be deleted from all consumer agencies as well as all three major credit bureaus immediately and all further negative reporting has to cease. these companies have repeatedly violated my consumer rights and have broken many consumer laws.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry XX/XX/
Consumer complaint received 2021-09-22
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: EdFinancial Services (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Torrid Comenity banl credit card account # Account Ending In : XXXX I was unaware there was a balance in my account, It appears that my account was not credited correctly after a made a online return in XX/XX/2022, should have been for about {$30.00}. I was under the impression that the return and my payment in XX/XX/2022 had cleared my balance. Because the credit for the return did not happen the balance remained and a late fee applied for XXXX, XXXX and XX/XX/2022 totaling {$110.00}. 
During the time the late fees were being applied, I did not get any notices in mail. 

I checked on my credit and discovered there was still a balance on this account and this is how i found out about this. 

I tried calling comenity bank to discuss the matter and they transferred me around to at least 3 people no one knew how to help me and I was on the phone with them over 1 hour. I as put on hold and they ended the call. 
I since closed this account because I do not want to incur anymore fees. I would PPRECIATE ANY HELP YOU CAN PROVIDE ME WITH THIS MATTER. 
Thank you XXXX XXXX
Consumer complaint received 2021-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

in XX/XX/2021 PayPal closed my PayPal account which still had XXXX in the account. This was closed because a customer sent a payment via friends and family instead of goods and service by mistake, PayPal said this was against their policy and closed the account. They said they would have to hold funds for 180 days. I have gone to look and they have transferred the funds in the account to themselves. I have range them up to ask why and they said because of that policy violation. However, that money is mine and I did not authorise the transaction. Have full documents to prove it etc Transaction ID : XXXX Transaction details Print Correction XXXX XX/XX/2021 at XXXX BSTTransaction ID : XXXX Payment status : COMPLETED Gross amount XXXX GBP  We have no postal address on file Your payment Gross amount-XXXX GBP PayPal feeXXXX GBP Net amount-XXXX GBP  Contact information PayPal Funding details Funding Source : PayPal balance Funding Source : XXXX GBP  - PayPal Account Need help? Go to the Resolution Centre for help with this transaction, to settle a dispute or to open a claim. MemoXXXX GBP  ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( s ) ;.
Consumer complaint received 2021-11-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EZCORP, INC. (MS)

I receiced a payday loan in XXXX and I called them to try to set a payment plan to pay the XXXX. I can't remember the results but they started calling and telling I was going to jail so I ceased all communication. In XXXX I was trying find a actual loan company to get help on a down payment and the website had me input my info which directed to multiple websites but I never received a loan and in XXXX I started receiving calls from different collection agencies saying I defaulted on a loan for {$1200.00} or more that I received in XXXX which defaulted in XXXX thay kept telling me I was being sued I told them to mail me the documents or email them to me the agent became hostile and hung up on me. On XX/XX/XXXX XXXX XXXX from XXXX contacted me about Ezcorp and I told her I didn't receive an installment loan in XXXX the only loan I received was XXXX payday loan in XXXX even though the collection attempts was outside of the limitations of being sued out of good faith I made an arrangement to pay XXXX in XXXX installments of XXXX with the final payment payed on XX/XX/XXXX and I just called XXXX XX/XX/XXXX to see why XXXX still being called the phone number XXXX is no longer in service. In XXXX of XXXX the phone XXXX has been calling I've ignored this number until today XX/XX/XXXX and when I answered the number it directed me to call XXXX XXXX now I can't reach the number that I just dialed XXXX minutes ago in which they said the company name so fast and I told them to send me documents stating a got a loan in XXXX they hung up and I called back they hung up again and now the numbers are no longer in service Ezcorp XXXX to be held responsible this is going to be ongoing situation and the companies that are calling are using there name.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX is not complying with their own policies in a timely manner. I mailed a letter with the date of XX/XX/2021 outlining all incorrect information regarding several accounts on my credit report. Then I followed up with another letter to the credit bureaus that has the date XX/XX/2021. Theres still no final resolution or response regarding the incorrect information that is on my credit report from the credit bureaus. Also another letter was marked XX/XX/2021 to remove inaccurate credit information and I havent received any response regarding the letter marked XX/XX/2021. I see multiple FCRA violations and misleading false information thats being reported from several accounts. Also XXXX and Equifax is sharing false information that is being reported on my credit report. This information is false and also a violation of my character and my credit.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Simon's Agency, Inc. (NY)

Greetings! 
This items was removed and then reappeared when the collection company changed names. This account was from greater than 10 years ago when it was removed. I was successful in getting it removed again but then the same company changed its name again and added it back to my credict. This has been an ongoing issue of an account well over XXXX XXXX XXXX.
Consumer complaint received 2021-09-22
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. (MN)

1. I settled my XXXX XXXX account and it should be reporting as a XXXX balance. 
2. I filed a dispute with Equifax and within three days of the dispute Equifax reported the account as " verified '' with an outstanding debt of {$2500.00}. 
3. Either XXXX XXXX or Equifax failed to fully investigate the status of the account in a manner consistent with the FCRA. 
4. Either XXXX XXXX or Equifax has reported this account as closed on my consumer reports, but XXXX shows that the balance has been reported for 55 months as part of my credit utilization. 
5. Therefore, the credit bureau shows my utilization as 27 % while XXXX shows my credit utilization as 170 % due to the manner in which XXXX XXXX and/or the credit bureaus report the account through their internal systems.
Consumer complaint received 2021-11-24
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 — Investigation took more than 30 days
Company: MRS BPO, LLC (MO)

XXXX 2016/credit report. XXXX and XX/XX/2021 Collections and Harassment have company MRS on it, but shows on the credit report as XXXX funding. Amounts are inconsistent across the board, Balance, as well as high credit. In addition to the settlement, request is higher than the amount being reported. I requested the information for the GAP coverage and requested proof of the debt, as well and they only continued to produce their collection letters and a turn in settlement invoice. Here are all the amounts that are inconsistent {$15000.00} {$9400.00} {$16000.00}. 
Including correspondence to and from them as well as how it shows on my credit report. I am also sending you proof that XXXX removed this from my report already.
Consumer complaint received 2021-09-22
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. (NY)

Hi, I have just received from Chase that two of my activitys on my account were not fraudulent, but instead authorized. I contacted Chase about 30 minutes after I received the text from Chase on my mobile device, regarding the online fraudulent activity. 

They then proceeded to file a claim for me and asked me to give it few days. 

They sent me this today : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 

I have physical video camera proof that I was at work ( XXXX ) while the transaction happened in XXXX XXXX ( as stated on the statement ). 

Please help me Im just a XXXX XXXX, and about to lose {$3200.00}. 

I will also file a police report tomorrow, right after work or will skip work to file it. 

I would also appreciate if you could help me with tips or any help regarding my problem. 


Best -XXXX