davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
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. (CA)

There are 6 accounts 1 bankruptcy and many inquiries that are not mine I have not signed, used or know what these are!!! I have no idea how they are on my report or whos these are I need help the bureaus and the furnishersdont knwo what these are. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry US DIST CT - Reference Number XXXX
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I Had an account with Bank of America in XXXX XXXX New Jersey I am also a resident here I lost my wallet in the Casino and shortly afterwards my account was in the negative I filed a police report and asked if Bank of America can see if it was fraudulent. They confirmed that it was however the debt is still on my credit and attached to my social I would like for this to be removed from my social and my name
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2022 I sent XXXX, XXXX, and Equifax a letter for investigation of alleged debt. I asked if they would give me a detail information on how this alleged debt is valid. I asked for the name of the person who verify the these debt, the time and date the information was verify, and for the name and address of the original creditor. They have fail to provide me with any proof these alleged debt belong to me.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

We rented a car from XXXX XX/XX/2023 and returned it to XXXX. Later, we received a notice that it had been damaged. We did not damage or cause damage to the vehicle. We told customer service at XXXX this, but they insisted that we damaged it. We drove the vehicle just once to our nearby home and back to XXXX. 
This is not the only problems we had with XXXX at the XXXX location during this time period when our own car was in the shop. On 3 occasions when we had reserved cars with them, the cars were either dirty, smelled of drugs or the cars promised were not ready for pick up. On 1 occasion, we had to wait for the car to be cleaned and the staff member wrecked it as she exited the car wash. 
This facility is lacking in quality control and efficiency. 
We did not damage the vehicle in question. We are disputing the charges for damage they are claiming Reference Account # XXXX Account # XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/2021 I received my stimulus check by direct deposit onto my PayPal account. PayPal them limited my account for " shared '' info. I had explained to them multiple times that the " linked '' accounts dont belong to me but they keep giving me excuses and wont release my funds for transfer or anything.
Consumer complaint received 2024-03-11
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Starting XX/XX/XXXX to XX/XX/XXXX {$37000.00} was fraudulently stolen from my account using ATM withdrawals. I filed a claim that it was fraud and sent over my picture ID, receipts, itineraries, and other evidence backing my claim. The transactions all took place in California and at the time I was living out of state. Everything I sent had dates and addresses proving this yet my claim was denied because they said my card was mailed to the address on file and activated using my credentials. I explained to them that it is fraud and it wasnt me. I have direct proof and documents corresponding with the exact dates these transactions were taken. I am desperately trying to resolve this and get my money back. I HAVE PROOF. Its obvious it was fraud and I did not authorize any of those withdrawals. I never received the card
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Adjustment Company Incorporated (TX)

Regarding Acct # XXXX. 
My name is XXXX XXXX and I live in Texas. In XX/XX/XXXX, a collection item hit all 3 credit reports as a debt that was first delinquent as of XX/XX/XXXX. I disputed with all 3-credit bureau as I have no knowledge of this debt. I contacted the collection agency Consumer Adj Co ( CACI ) to find out why this is on my credit report. No answer and I left a message. A rep called me back and stated that this is a debt owed from XX/XX/XXXX. I asked for information regarding the collection agency and was provided the name CACI and their address. I asked for information from the original creditor and was denied this information. She stated she could not give me the contact information from the original creditor and that this debt was bought by XXXX XXXX XXXX, and I could look them up myself. I am filing a complaint with CFPB, because they are not providing me with validation of the debt and according to Texas and Federal Law, they statute of limitations in Texas on debt is 4 years. That 4 year date ended XX/XX/XXXX. 

( Section 16.004 of the Texas Civil Practice and Remedies Code - The statute of limitations on debt in Texas is 4 years ) AND ( Section 392.307 of Texas Finance Code in XXXX - This section of the law, introduced in XXXX - states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. )
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2023 my bank account ending in XXXX was fraudulently used for multiple transactions resulting in {$9300.00} stolen from my account. The transactions were made from a casino called XXXX in XXXX XXXX, Florida. I live in XXXX, WA and have never been to Florida personally. I immediately contacted JP Morgan Chase Bank to inform them that my account was being fraudulently used and filed a fraud claim and lock my debit card so that more money couldn't be stolen. I also checked my online banking and saw that the fraudsters were able to change my address to somewhere in Florida. I immediately changed it back and had Chase lock my online account so that nobody could make changes until I visited a Chase Bank branch in person. I also informed them that I still had my debit card and I used it that night at a local XXXX restaurant XXXX  located in XXXX, WA. I was told by Chase that they were able to make a duplicate card and used my pin number to steal the funds from my account. Unfortunately, they have denied my claim as of yesterday XX/XX/2023.
Consumer complaint received 2021-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Hello, My occupation is XXXX XXXX XXXX XXXX XXXX XXXX XXXX such as XXXX and my own website, using paypal as my payment processor. 

I reside both in the United States and XXXX, travel back and forth as part of my business. 

Paypal seized my money after holding it for 180 days without notice and without a court order. Just a few days after passing 180 days, XX/XX/2021 they transferred all my balance XXXX to themselves under the note " Paypal damages caused by acceptable use policy ''. My account was around 4 years old. 

My money was seized XX/XX/2021. I contacted paypal customer service several times the same week and I was told that my money was being held for 180 days and that after this time they would return the money to my account. I tried writing to my local congressman and other government agencies with no success but in the end I decided to wait 180 days. 

Just before a few days before passing 180 days my balance was transferred to themselves like I said before and here I am taking legal action against the unfair practices of paypal.
Consumer complaint received 2023-03-10
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: LEXISNEXIS (CA)

On XX/XX/2023, I submitted a complaint to the CFPB detailing that Lexis Nexis is reporting a bankruptcy on my consumer report that is reporting incorrectly. They claim to have sent me a email asking to verify my identity even though I sent them the last 4 of my social and a copy of my drivers license to verify my identity. This stall tactic is willful noncompliance to remove information that is incorrect and incomplete from my consumer report. The information that is being reported on my consumer report from Lexis Nexis is incomplete and incorrect and needs to be removed immediately. 
In addition, they do not have permissible purpose to furnish this information on my consumer report without my consent or written permission. That is a violation 15 USC 1681 ( b ). The bankruptcy court is not furnishing this information to Lexis Nexis. They are harvesting this information and displaying it with my name, social, address and other identifiers that are prohibited by law. I demand that it be removed immediately pursuant to 15 USC 1681 ( b ).
Consumer complaint received 2021-08-09
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. (TX)

I reached out to the Credit Agencies on XX/XX/2021, and requested that they remove the account on my credit report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove this account. The reasons I was given is their need to contact the " original creditor '' in order to validate the debt. I informed the last representative that their company was in violation of a United States Code and was told that I needed to contact the individual companies to request removal.

The company is a violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TX)

Account Name : CAVALRY PORTFOLIO SERV ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : PORTFOLIO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (VA)

In XXXX, XXXX and XXXX of 2019 I paid my car notes on time to Credit Acceptance Corporation. In spite of them giving me a payment plan, and I paid all my bills as discussed, I paid on time. I paid them lump sum in to catch all of my past due but they still reported me as having paid late and I was not.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I asked the Credit Bureaus to investigate proper reporting regarding my Credit Report. However, I still see issues with my Credit Report. Transunion and XXXX are still reporting I had late payments with the following Student Loan accounts. This CFPB complaint ( # XXXX ) was previously fixed with XXXX on XX/XX/23, however is not reporting the same with the other Bureaus. I ask for them to remove the accounts entirely, or properly report they were paid on time and never late. 
Thanks, XXXX
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (IN)

My initial claim was started on Friday, XX/XX/2021 by my bank with the fraud department. I started my own investigation and called XXXX XXXX Illinois and spoke with XXXX a specialist he was able to pull up the account in question by my social. But the email account, debit card on file and phone number did not match. The acct number he gave me for reference was XXXX. He stated he would send a request to their fraud department. 

From that day forward I called my bank fraud department. Had email exchanges with a fraud specialist with no resolution. Apparently the initial transaction started in XX/XX/2021. The debit name on my account was from XXXX XXXX {$210.00} and was taken out about XXXX of each month. 

My bank, Truist, stated that the license, signature and information they found was not a match to mine but still no resolution. 

I even filed with the police and they ran into a dead end. I checked my creditwise account and found phone number, and address in XXXX, IL that was added.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX {$150.00}
Consumer complaint received 2021-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WI)

XXXX XXXX is a servicer of mortgage, I called to try to come out of covi-19 forbearance plan. I have called several times and was told I had been submitted for a work out plan, and Three people told me not to make payments. They call me daily using a robo caller. I answer and no one is there. I call back and I am placed on hold for two hours, I am told that mortgage submitted for workout by three people, one says it wasnt. In the mean time they reported the loan to credit bureaus. I am placed on hold for over 1 hour and 40 minutes to speak to someone. I have been hung up on, I have been trying since XX/XX/XXXX to come out of forbearance plan.
Consumer complaint received 2020-04-04
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc. (TX)

Hi, Sub : Fraud and unAuthorized transaction from Remitly Service I am usng Remitly service for money transfer for the past 3 years Recently on XX/XX/2020 XXXX Friday ) a new receipt was added and fraud transaction was initiated in my account with out any notification and alert message from Remitly. 
It seems internal person of Remitly has done this because no notification came to my email and I got email from Remitly when transaction was about to complete It clearly shows someone from remitly backend team did this by stopping alert to me.

Steps I followed : Trying to contact Remitly for this fraud transaction but due to corona virus issue ( their response is only thru chat n will take 1 hour to reach them ) I was able to connect with their customer support for fraud transaction. 

Remitly customer support said that to file dispute transaction with bank ( which I did ) from myside and they will investigate and come back to me or try for reversal of amount. 

Now after continue contacting them for update, I am getting no response from them and they have blocked me from chat and customer support with no explanation Note : I don't recognize new receipt added and bank details to which my amount was send. 
Eventhough Remitly knows its their fault and don't want to refund my amount ( 2900 $ ) Thanks & Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I have a mortgage loan with MR COOPER in which I have been trying to obtain a loan modification since XXXX of XXXX. I have been twice denied with not fully understanding why. In XXXX after I got a letter from MR COOPER it only stated that I was not qualified for a flex modification. In that first application they required two years of taxes and many months of banks statements. The final result they put me in forbearance since XXXX of XXXX. All the correspondent told me after getting out of forbearance I had a few options : 1. Pay the balance due in six months 2. Apply for modification Now that my forbearance is coming to an end they finally informed me after calling and speaking to 6 or more people that done of those options really applied to me. Why, I asked. Well even though I have a XXXX XXXX loan, because they have moved the loan in foreclosure department it disqualified me from receiving any of those relief thats is open to others. 
After close a to full year and suppling MR COOPER with all the documents they required I am now being told I only have three options : 1.Pay up the balance 2.short sale 3.deed in lieu. 

Solution : I would like to speak with my single point of contact which would helped cut through the confusion I have been getting. All my call to reach my dedicated specialist since XX/XX/XXXX as not caught up with her. I just today received notice that I now have a new person. Also I have requested conciliation conference still waiting on that. All this should uncover what is preventing MR COOPER from offering some relief to me on my mortgage. My Principle payment and interest currently is {$510.00} plus property taxes and home owners insurance. What are the basis or numbers for the denial of my modification if I am applying for a FLEX Loan modification, which I was told is a streamline modification. Also what is the loan amortization?
Consumer complaint received 2021-08-12
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)

Dear support, I have issues with items in my credit repair, I do not recognize them and I filed Identity theft report. I assume someone used my personal details and filed all these accounts. Its not fair, they killed my score completely. Please remove them ASAP
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2021-08-12
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. (FL)

Dear support, I have issues with items in my credit repair, I do not recognize them and I filed Identity theft report. I assume someone used my personal details and filed all these accounts. Its not fair, they killed my score completely. Please remove them ASAP
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, someone fraudulently used my debit card to make a money transfer in the amount of {$500.00}. I disputed this charge with Bank of America. After an investigation they denied my claim because the their investigation found the transaction to be valid. In the documents they sent me for the basis of denying my claim, the person who made the charge has a different email address than me, a different telephone number than me and it is clear that I did not make this transaction. The transfer was made to someone in XXXX, XXXX. I dont know anyone in XXXX. The phone number used belongs to someone named XXXX XXXX who lives in another state and has a different cell phone carrier than I do, and the email on the documentation does not belong to me, and it is not my IP address. My name and address appears under the billing portion of the documentation.