davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Affirm Holdings, Inc (NY)

XX/XX/3 {$10000.00} had a hold on my checking account for a savings account to be opened with Affirm. I did not authorize this transaction. 
The funds are on hold in my checking account with XXXX XXXX XXXXXXXX. 
They claim they are escalating it but to no avail. 

There was another unauthorized transaction for {$10000.00} XXXX, taken out of my checking account on XX/XX/2023 then put back in my account Then on XX/XX/2023 the {$10000.00} was taken out again. 

I have been on the phone for hours trying to get my money back. 
They tell me to go online to send them a message. 

I can not because they froze my account because they said there were too many attempts to access my account. 

Since than I had to close that checking account, & open a new one, which was very time-consuming because of all the XXXX debits I have. 
My broker who is with XXXX XXXX also can not get through to them. 

They also trying to collect & XXXX for a charge I didn't make with XXXX XXXX. 

I called them and they told me they have no transactions from Affirm, which Affirm said they sent them 3 payments.

Fortunately i caught in time 7 OPEN ANOTHER ACCOUNT AND HAD TO BORROW {$10000.00} TO PAY MY BILLS..My account is with XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

Letter to an address dated XXXX XXXX, 2020 that is to be confidential due to XXXX notifying of the data breach as well as because if being victim of crime. I already reported XXXX XXXX XXXX now XXXX previously XXXX via FTC as well as CFPB. Now im reporting Weltman, Weinberg & Reis Co., LPA. I wrote then stating I'm unemployed that my data was breached and debt not mine when I was at XXXX XXXX XXXX also noted that had my house not been robbed of XXXX and id received the money that I reported which that company is to request video surveillance from police car at XXXX XXXX where I stated I was robbed. I'm already part of the XXXX lawsuit from the data breach and reported to XXXX XXXX and XXXX and some of them still didn't correct and has my last name as XXXX and I repeatedly wrote them of error. I've setup something to stop data breaches and apparently XXXX XXXX is in training on Cybersecurity which is all over the Department of Justice site which ive also written.
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: FIDELITY CAPITAL HOLDINGS, INC (OK)

Fidelity Information C XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Was placed in collections by this company. Received NO notice or any other information about this debt or any action concerning it. 

Doing this without notification is a violation of law. 

If they can place it on my credit report, they obviously have enough info to locate me. 

This is an invalid debt from an apartment complex in which I never lived. 

Have tried to contact them via phone, but have refused to discuss the mater.
Consumer complaint received 2023-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

In XX/XX/XXXX, I received an alert on my locked XXXX credit file that my credit score had dropped by 100+ points. This was very shocking to me because my credit score had always been over 720. Upon review, I saw that XXXX XXXX XXXX 's collection agency had placed me for collections despite my not having any relationship with XXXX XXXX XXXX. After contacting the collection agency, they informed me that an account had been opened in my name in XX/XX/XXXX with a charge of {$1400.00}. This appears to be that XXXX XXXX XXXX allowed an account to be opened with only basic information ( Name, Address, SSN only ) and no other authentication like driver 's license or credit card, no credit report pulled, and on terms with no upfront payment. In addition, they told me that they sent invoices to XXXX w hich is not my email address. 

At this point, I filed a police report with the XXXX XXXX XXXX. police and an identity theft report with FTC. In addition, I filed a dispute with XXXX, XXXX XXXX, and XXXX XXXX XXXX  providing XXXX XXXX XXXX with the affidavit, proof of residency during the claim, police report #, and FTC complaint #. Despite their inability to provide any proof of delivery of products or services ( at {$1400.00} I am almost positive that they left someone to purchase a phone on terms with no credit report pulled ), they rejected my claim because I did not submit the police report. Upon contacting the police for the report, they told me that they do not provide full police reports and that XXXX XXXX XXXX needed to request that from the police. I feel like I am going in circles between the credit reporting agency, XXXX XXXX XXXX, and the police. 

My next step is to threaten them with a lawsuit and I am contacting my House representative who I know personally.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM A VETERAN AND XXXX XXXX XXXX. I DO NOT HAVE A DRIVERS LICENSE, THEREFORE I HAVE NOT APPLIED OR HAD ANY AUTO LOAN IN MY NAME. I HAVE COSIGNED FOR FAMILY MEMBERS BUT HAVE NOT HAD ANY ACCOUNT WITH XXXX XXXX. I RECENTLY DISPUTED WITH XXXX EXPLAINING THE FRAUD AND PROVIDING PROOF OF IDENTITY AND RESIDENCE. 
I HAVE BEEN INFORMED BY CONGRESS THAT THEY passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. XXXX has failed to follow these regulations set by the Federal government. 

THIS GOES FOR XXXX, EQUIFAX AND XXXX.
Consumer complaint received 2022-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I have been reviewing my credit for several months now and have noticed that XXXX has failed to report all of my mortgage payments on several of my mortgages. On a few of my loans with Specialized Loan Services they failed to report the following months on my loans ending in XXXX and XXXX. 
Loan number XXXX they failed to report XXXX XXXX XXXX and XXXX, XXXX thru XX/XX/XXXX, All of XXXX was not reported, XXXX, XXXX XX/XX/XXXX was not reported, XXXX thru XX/XX/XXXX was not reported and XXXX thru XXXX in XXXX was not reported. 
Loan ending in XXXX they failed to report XXXX and XX/XX/XXXX even though they updated my score on XXXX XXXX these score were not updated not were the payments for XXXX
Consumer complaint received 2016-09-07
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (CA)

CITIBANK said I had a " bankruptcy and your account was included in the filing ''. There is nothing on my credit like this that has been reported in the last 20 years or more. If this is true, then it is in direct conflict of the credit reporting laws, that a major institution can hold credit items against you that may or may not have occurred 20 years ago. I did file bankruptcy once, about XX/XX/XXXX-XX/XX/XXXX, but I bought a home, receiving a mortgage in XX/XX/XXXX. Since then there is nothing other than some old medical bills from XX/XX/XXXX when I became XXXX.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

MY ACCOUNT WAS CLOSED WITH OUT ANY NOTIFICATION, A DAY BEFORE I RECEIVED A {$250.00} DEPOSIT FROM MY MOTHER MY ACCOUNT WAS CLOSED BUT THEY STILL LET THE DEPOSIT HIT MY ACCOUNT. NOW I CANT GET ANY MONEY OUT OF MY ACCOUNT INCLUDING THE {$250.00} SHE SENT ME THE DAY AFTER MY ACCOUNT WAS CLOSED. I DINT KNOW MY ACCOUNT WAS CLOSED UNTIL I TRIED TO WITHDRAW THE {$250.00}. I ACTUALLY DIDNT KNOW UNTIL I WENT TO THE BANK AND THEY LET ME KNOW. THEY SAID I COULDNT ACCESS ANY FUNDS AND WOULD HAVE TO WAIT 60 DAYS FOR A CHECK. I HAVE PLENTY OF BILLS AND ITS UNFAIR TO ME THAT THEY GIVE ME NO REASON AND THEY ARE HOLDING MY MONEY.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update to my full legal name : XXXX XXXX XXXX XXXX remove all other names or alias such as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XXXX CC : Driver License CC : Bank Statement Address
Consumer complaint received 2023-06-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

Debt was claimed in year 2000 by Alarm company XXXX for XXXX and has been on my Credit file! 6 years.Account # XXXX.held by Transworld systems- XXXX
Consumer complaint received 2023-07-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX, financed by Wells Fargo. From XXXX XX/XX/XXXX I made timely payments even though I was laid off due to Pandemic related cutbacks. I was only late a few times due to layoff. I contacted Wells Fargo after I used all my savings and retirement and still unable to obtain employment due to significant competition and my age. I asked Wells Fargo to help me given the unique circumstances but all I was told is that I need to make the approx XXXX payments or face repossession. I managed to find some aid but the assistance was one payment. In XX/XX/XXXX I called Wells Fargo to inform them I was beginning to receive contracts jobs and would pay what I could. I pleaded with them to work with me and reduce the loan interest percentage but I was denied. I only owed XXXX on the loan, the car had low milage and in excellent condition. The car book value was XXXX so I had equity. I contacted Wells Fargo in early XXXX pleading with them that repossessing the car would be detrimental to my ability to continue contracting and seeking fill time employment. I live in a rural area and live alone. I asked to speak with management but still was told there was nothing they could do. I received multiple letters stating Wells Fargo does not want to repo my car and wants to work with me to keep me in the automobile. I called but received the same BS. I came across the law suits and having gone through a repossession many red flags were raised. The car was picked up mid XXXX and still have not receives any documents regarding if it has been auctioned. I have missed numerous jobs and my credit is shot all because of the friggen pandemic and the difficulties of finding a job. I even applied several time at Wells Fargo but never considered.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (NY)

Paypal locked my account over 100 days ago and i had over {$580.00} in it. They are telling me I need to wait over 180 days to get access to my funds. I am in a very bad financial position at the moment and could really use those funds now. I do not see the need for paypal to hold these funds for this long. Its already been XXXX days. 
What more could they need to research?
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

On XXXX XXXX XXXX XXXX Funds were deposited to COINBASE in my account, and converted to USDC. For reasons they will no disclosed, they have placed a 47 Day Holding period on my funds, so they are no available for sending or withdrawal. Also, they have put a restriction on my account. After contacting them to discuss, they refuse to give any reason why or to release the funds back to me. {$20000.00} is currently being held hostage, it's extremely concerning.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

My XXXX XXXX XXXX was totaled in an accident in XX/XX/XXXX. 
Wells Fargo is the bank with which I had the loan from. 
XXXX XXXX XXXX XXXX XXXX XXXX off all of the pending dues to the bank and then there was a problem with 'Gap ' insurance, which was resoled by you folks, CFPB, after I wrote to you. 
Due to family tragedy, I Lost the document from your office stating I did not owe anything to Wells Fargo. 
Trying to refinance a vehicle a few days ago, the dealer showed me a negative document from XXXX Credit report that shows Wells Fargo still has falsely put the claim for $ {$14000.00} on me. 
This is a clear case of fraud and illegal business practice by Wells Fargo. 

I am requesting your office to mail me ( and email also, just in case ) the document that you had sent me earlier which shows I do not owe any money to Wells Fargo. 

Thanks and Regards, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX
Consumer complaint received 2023-07-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (FL)

XXXX by Goldman Sachs froze my account about 14 days ago after I tried to move money to XXXX XXXX. Both my Wife and I have called them about six times and can't get the issue resolved. 

They say that we need to prove that we are the account holders and we need to get a form notarized. They only send the form vis XXXX. We have requested the form twice. The first time we requested the form was about 10 days ago. 

My Wife and I both have given our name, address, phone number, DOB, last four of our SSN, and our secret word. They still will not unlock our online account, tell us why our account was locked, or make the transfer.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Carvana Group, LLC (TX)

Carvana without my knowledge or consent falsely accessed my XXXX credit report info on XX/XX/23 and this is fraud. 
I never had any contact or did anything to inquire or apply for anything with carvana or car loan or purchase. this is fraud
Consumer complaint received 2022-11-29
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. (SC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with the law. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The Identified transactions are not information related to any transaction by me as the consumer : 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 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

There are a lot of inquiries that suddenly appeared on my credit report. These are from unknown locations and when I tried reaching out to the bureaus I did not receive any response or results from them.
Consumer complaint received 2022-11-28
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)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 usc 1681 : There are accuracy and completeness : Accounts 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 15 usc 1681 sec.602a state I have the right to privacy 15 usc . 1681 sec.604 -2 It is also state a consumer reporting agency can not report any thing without my written instructions 15 usc 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the importation in inaccurate. 
15usc 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 cause to believe that the information is inaccurate. 
You have a grave responsibility with fairness. I not only want fairness but also equity.
Consumer complaint received 2023-05-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc. (TX)

Since XXXX this year I have been asking Upstart to delete the fraudulent report that someone took out in my name. It was the result of identity theft. I have sent them so many letters, the last one was in XXXX. They know that the account is fraudulent and acknowledge it. However they keep telling me I need to speak with a third party called XXXX XXXX about getting the account resolved or getting the record deleted. This is not my account its fraud. FCRA requires them to delete accounts within 5 days when Identity theft is involved. They are being irrational and telling me to ask someone who does not have any record on my reports to delete it. It make no logical sense. Upstart needs to delete this public credit record as its clear that the account is not mine. 

My name is XXXX XXXX XXXX XXXX. They can not produce any signed agreements with my name. I have been dealing with so many people opening accounts with different variations of my name, but I use my full name when I do loans because the identity thieves do not have that information. Please see my attached birth certificate. 

Please compel them to follow the law and delete this. They have been provided everything they need yet they keep being irresponsible and stubborn. Please make them respect the your organization and respect Federal Law! 

I am a XXXXXXXX XXXX XXXXXXXX XXXX veteran. This is affecting my health tremendously. I am not well and the stress of having my identity stolen and being put through so much to fix the damage is exhausting. I should not need to spend so much time fighting this. I am an honorable man who has been awarded many medals. I deserve to be believed and respected!