davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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: SYNCHRONY FINANCIAL (FL)

I received 2 certified letters supposedly from Paypal Credit that are shown to be a credit card statement. I have a XXXX account but not a Paypal credit card. The first letter was received XX/XX/XXXX, the second XX/XX/XXXX. They are identical. The account id shown XXXX is not me. I called the XXXX number at the bottom of the sheet and was connected to help. Due to the poor quality of the connection, no information was transferred. I then looked closer at the documents and grew suspicious. 
Trying to contact Paypal Credit through their " help '' line number shown on their website was no help. Their automated call system wanted my SSN to find my account which I don ; t have. My conclusion was I couldn't work with Paypal Credit to resolve this. 

Again, this is not my account. I don't believe this is a legitimate document from XXXX. 

I have uncovered a similar complaint on the web with the same XXXX account Id. This is the link to that complaint. 

https : XXXX
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX - Account # XXXX - has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights National XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C 1681 section 602 A- States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2- States A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than XXXX years.
Consumer complaint received 2022-10-18
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (LA)

I submitted documents for PSLF application on XX/XX/XXXX. I have waited patiently, called multiple times- XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 with no progress. I have met all of the requirements for the Pslf program and just can not get Fedloan to respond appropriately or tell me what they need in order to process my application. I have waited XXXX months when many others have waited much less.
Consumer complaint received 2022-08-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Applied Data Finance, LLC (UT)

I notified Personify that the account was fraudulent and provided them with the completed fraud paperwork and a police report the beginning of XXXX. They continued to call to collect the debt until XX/XX/2022. On XX/XX/2022 they charged off the account and it is now showing on my credit report as a charge off. I did everything Personify requested of me and this account needs to be removed from my credit report.
Consumer complaint received 2022-07-06
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: Sarma (FL)

I lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX known as XXXX XXXX XXXX for XXXX  years from XX/XX/15 XXXX. During that time the complex made NO repairs at all!! I notified the building manager that I was leaving. During the process of me leaving the complex called XXXX and had my lights turned off, went into the apartment took items that were mine and trashed the place with the spare key. After being gone for 1 month the building manager called me & said I had a letter that stating I owed them {$7100.00} for 3 months rent ( the lights were turned off in my name & the apartment was occupied by XXXX ), Unit Prep, replacement of floors ( wood laminate was placed for the new occupants ), and to replace cabinets ( the cabinets were dry rotted ) all of these repairs were routine wear and tear after 7 years of living with no repairs. I received a call from Sarma Collections Incorporated XXXX this collections was placed on my credit report without a judgement or proper notice. I disputed the charges only to hear nothing from the complex. I recieved a call from the collections agency.
Consumer complaint received 2022-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I was out of work do to XXXX lay -off. I called my back and ask for a deferment. I was given XXXX months and told to make small escrow payment during this time and to apply for XXXX HAF assistance. I followed all of the instruction given. I made 3 payment of {$290.00} for direct deposit to my escrow. On XX/XX/22 I received an email from XXXX HAF that my application was approved and the fund would be release to Wells Fargo. The sent {$4600.00} which is XXXX months of payment covering XXXX XXXX XXXX and XXXX. Wells Fargo applied XXXX XXXX XXXX and misapplied XXXX. I have made 27 call left 14 message and ask for 6 complaint to be filed on my behalf. I am being told my XXXX payment is delinquent, and they did not apply my third payment of {$290.00} which now sits in there unapplied. I have been working with many employee to resolve this misapplied of funds at no success. I am being harassed for being over XXXX delinquent for XXXX payment. I need your help my bank has stolen federal funding meant to help bell out suffering homeowner and now I am being XXXX
Consumer complaint received 2022-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AR)

Applied for XXXX program and submitted employment verification in XXXX. In XXXX received notification that my employment verification was denied because of my employers signature. I had to contact employer and get them to resign and I resubmitted corrected form in XXXX. This apparently put me at the end of the line and I have heard nothing since that time. My corrected form was submitted XX/XX/XXXX. Its been a month and nothing. Ive been trying to get this verified since XXXX. I dont u detest and why a simple corrected signature would take so long to verify. Should not have been placed at the end of the line as this should have been an easy fix.
Consumer complaint received 2022-07-06
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

I am filing this complaint because IQ Data International have continued to report inaccurate information on my consumer report to all XXXX of the major credit reporting agencies and have been engaging in abusive debt collection practices to try and collect an alleged debt. I sent IQ Data International a cease and desist, and ordered them to cease their abusive debt collection practices but they ignored it and continued to engage in their abusive practices. I also requested validation of the debt and all I received was some papers that I guess where supposed to be statements or something but it's clearly fake. There was no accounting ledger showing any debt, I received nothing sworn under oath or an affidavit verifying their claim, no judgement, I didn't even receive a contract. Pursuant to 15 USC 1692g ( b ) if a consumer notifies a debt collector in writing that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgement, or the name and address of the original creditor, and a copy of such verification or judgement is mailed to the consumer by the debt collector. In the papers that they sent, there was no verification or judgement attached. The papers they sent unable to be verified therefore the alleged debt is invalid. I am demanding that IQ Data International delete all references to this account and remove this inaccurate account from my consumer report IMMEDIATELY! If this inaccurate Information continues to show on my consumer report after you receive this notice I will not hesitate to bring legal action against you for : Violations under the FCRA Violations under the FDCPA Defamation of Character Also I never gave IQ Data International any permission to furnish any Information about me on my consumer report, nor did I give the Reserve at XXXX permission to share my non public private information with an unaffiliated third party which is a clear violation of my right to privacy. IQ Data International obtained my Information illegally and furnished inaccurate Information on my consumer report to try and extort money out of me that is not owed. This would constitute IdentityTheft, Frauds and swindles under 18 USC 1341, and racketeering activity under 18 USC 1961. 

Please do not play with me this will get ugly.
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

Recently, I became aware that a claim for debt is listed on my credit report from XXXX XXXX. On XXXX, XX/XX/2022, I spoke with XXXX at Hunter Warfield regarding the claim. I advised XXXX that I have video and photo evidence to support my dispute against XXXX XXXX. XXXX stated that no one has ever submitted proof to resolve a dispute and requested that I email the information to XXXX for review. XXXX informed me that I would receive an answer regarding case # XXXX on Thursday, XX/XX/2022. 

On XXXX, XX/XX/2022, I contacted Hunter Warfield to confirm that the emails were received and reviewed. XXXX confirmed, and this case is being expedited based on the video and photo evidence submitted via email. 

On Thursday, XX/XX/2022, I followed up to inquire about the status of my dispute. XXXX requested that I resubmit the same videos for review. I advised XXXX that I would resubmit the information for this dispute to be closed. 

Rent included valet trash. 
On the night that I moved out, the office was closed. Therefore, keys and fobs were left in the maildrop located at the front office. 
There is also an inconsistency within the Condition & Disclosure regarding the dollar amount for a plank. 

I am seeking a resolution with a verification letter that the charges have been removed from my credit reports.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

Our computers were compromised on XX/XX/XXXX. Someone accessed our checking account and made an unauthorized fund transfer of {$1000.00} through XXXX. We do bill pay but do not use XXXX. Reported the fraudulent transaction to Wells Fargo security the night of XX/XX/XXXX. We have been in touch with them and have a case number. We received a letter from Wells Fargo stating that they have concluded their investigation and closed the claim. They claim that the transaction was made through a secure online banking session by us or someone who had our authority and that no other processing errors occurred. The account number quoted by the bank is a non-existing account and is not an account number that matches any of our accounts, past or present. We have a reference number for the transaction and the name of the person receiving the funds. They are unknown to us. The account in question was closed and the funds transferred to a new account on XX/XX/XXXX. In light of these actions, the funds should have never been transferred to the person who received them.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I experienced financial fraud on my Citibank card, multiple charges. I have had extensive challenges completing this project with Citibank. They removed XXXX charge but left another that has been compiling interest and fees since XX/XX/XXXX even though it was reported. I filed this in a dispute with XXXX ( XXXX ID number XXXX ) but I haven't had the card closed in response to the report. I have attached some evidence associated wit this case. I do not have a dog and my phone number is a XXXX area code ( see attached folio for fraud charge in question ). 

The CitiBank communication portal online is not working to complete this task and I am disabled.The account was not closed and thus unauthorized charges have been made between the dates of XXXX XXXX, XXXX to present day.
Consumer complaint received 2021-12-02
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. (TN)

XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. XXXX turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by one day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the XXXX student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.
Consumer complaint received 2022-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MA)

I was selling a antique stove for {$8000.00} on XXXX XXXX for my mom who is XXXX XXXX XXXX and a person named XXXX XXXX contacted me to purchase. He sent me a check for {$11000.00} which {$3000.00} was to be sent to movers on XX/XX/XXXX thru my XXXX account, the person receiving the money was named XXXX XXXX and her email address was XXXX later in the evening I received a message from XXXX XXXX letting me know that he wanted to cancel the transaction because his only sister who he was buying the stove for got into a serious car accident and was in the XXXX Ohio emergency room, he gave me the phone number of the hospital which was XXXX and when I called a person answered phone XXXX Ohio emergency room, we gave him the information and he continued to give us Information that if this was a true hospital it wouldnt have been given because of HIPPA.He wanted me to send all the money to pay for a operation that she needed right away. I didnt respond then he sent a picture of a woman lying in a hospital bed so I showed my daughter XXXX who did a reverse picture lookup and the picture was from 3 years ago of a softball coach who was in a car accident. I knew then I was scammed so I called Ally bank fraud department right away to let them know about the check, the person I spoke to said he believes it is money laundering. I called again on Thursday to get more information and I was told that my account will be locked I will not be able to take money out and all the money needs to be paid back to bank and this will be reported to credit bureau. I was very upset about the whole situation so I had given permission a number of times for my daughter XXXX to speak with customer service at one point a person named XXXX accused my daughter of impersonating me she also spoke to another person XXXX who was extremely rude as was XXXX. I have spoken to a number of people from Ally bank who were either nice to me or rude. This whole situation is a nightmare, I am being treated by Ally bank as a thief because of the fraudulent check that I didnt know was fraudulent. I have been with Ally bank for a long time my record is clean I have worked hard all my life and this is how I am treated by Ally. My accounts have been locked I dont have access to any money and I have bills to pay. At one point I called to find out my balance and I was told to stop calling. I filed a police report with the city of XXXX on XX/XX/2022 the incident number is XXXX. Ally bank should back up their customers not treat them like thieves. I have filed a complaint with the Attorney Generals office, FBI and XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Experian XXXX XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$140.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 

XXXX CHILD SUPPORT Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX XXXX 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (CA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-03
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: Nelnet, Inc. (AR)

I have filed a dispute with XXXX about student loans because of how the change was made on the enrollment form to change my identity in the year of XXXX, The SSN number written on top of the enrollment form is not my handing writing and the student ID number is not the one use in the school.That the reason I know my identity was changed on the enrollment form.I have never given anyone permission to change my identity.I am very competent in understanding when my signature has not been signed electronically or any other form XXXX all information all this came out during the pandemic in XXXX school is now closed according to their website which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX have been fighting my identity with XXXX for past 21 years because somehow XXXX had in their system my daughter SSN number for me since XXXX, which that should have never occurred because I uploaded the information on those days ; The dispute days XXXXBy law once an account has been deleted it can not be put back on your report the amount of XXXX was deleted on the dates above which was not showing on my report and a letter generated that it did not appear.There was an account with XXXX that the representative stated was a snippet from XXXX after years of fighting my identity with XXXX.By law you can not go back and add an account once it has been taken off.Which you all put it back on my report XXXX XXXX after sending a letter stating that it does not appear on your report On XX/XX/XXXX and you all sent a letter to unfreeze my credit report, which I did not request that to XXXX or any other affiliate of XXXX I only disputed the information on the above dates that are listed.There were two letters generated on XX/XX/XXXX and XX/XX/XXXX that the item does not currently appear on your credit report.Reason I am filing this again is because it was put back on my credit report after it was taken off previously new material has been presented with this inquiry such as my daughters SSN that was generated for me back in the year of XXXX.