davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

My identity was stolen 2 years ago and several accounts where open in my name I have no knowledge of the accounts. All fraud navy federal account is fraud, XXXX XXXX account is fraud. XXXX account is fraud and there are several others I have no credit card or debt. My score was originally XXXX now is XXXX
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (AZ)

Previous complaint filed with you guys XXXX This is ridiculous the bank keeps saying.they need more time but there are time-frame to follow and they're not. So what do you guys do to help??? It's been 2 or more months since I first filed complaint.
Consumer complaint received 2021-07-13
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On XXXX1, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Filed a dispute with Capital One XX/XX/XXXX about a music fest that closed and the company went insolvant and no longer a company they gave me provisional credit for that music fest and applied it to my account balance but dod not give me the credit in my available credit for the past few months I have called about it and every time i get an update its different every single time i get the runaround. I closed my account with XXXX his id # id XXXX he claims hes a supervisor
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Dear CFPB, The purpose of this letter is to inform CFPB that I have asked Equifax, XXXX and XXXX to remove all inaccurate and unverified information off on my consumer credit report. I have not been notified by any of the 3 credit reporting agencies of their intent to remedy this damaging description. It has been more than 30 days, I am requesting CFPB to investigate this gross error and demand correction for violating my rights under the FCRA. 

Each bureau was notified via letters on 3 separate attempts to correct this error, to no avail. The original letter is dated XX/XX/2021 ( please see attached documentation ). Thank you in advance for your assistance and I am looking forward to hearing from you.
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc (FL)

XXXX XXXX ss # XXXX dob : XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wlms Fudge Opened XX/XX/XXXX {$740.00} Original creditor : XXXX UNIVERSITY Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Wlms Fudge Opened XX/XX/XXXX {$740.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report
Consumer complaint received 2020-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

My son made a purchase on XX/XX/XXXX on XXXX. About 1 minute after the purchase, the seller cancelled the order and proceeded to charge my PayPal credit account in the amount of {$120.00} for the item ( a video game console ). I immediately contacted PayPal and let them know about the fraudulent charge made to my account. They said I had to file an online complaint/dispute. I filed the complaint/dispute and after a month they claimed that the seller provided them with " shipping information '' showing I received the order. I contacted XXXX and found out that the shipping information the seller provided was for an unrelated order made to an unrelated buyer ( which happened to be in the same city that I live in ). I proceeded to contact PayPal again and let them know the shipment information provided by my seller was " fraudulent ''. They said I had to file another claim and attach documentation proving my claims. I did so and provided them with the XXXX  tracking number and showed them that it was connected to a different purchaser/seller. Again yesterday on XX/XX/XXXX they got back to me denying my case. I have spent countless hours trying to reach PayPal, contacting XXXX XXXX  who issues the PayPal credit cards as well as contacting XXXX   and XXXX. Paypal refuses to refund me for this fraudulent charge. I have attached yet again the XXXX   proof which ties the seller 's provided tracking number to an unrelated seller/purchaser. It is not me, not my address and nothing to do with me.
Consumer complaint received 2021-10-02
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. (FL)

Experian, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX, XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX.
Consumer complaint received 2018-11-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MO)

I previously submitted accounts of these matters in other reports to XXXX XXXX and XXXX XXXX among others. 

In the legal paperwork, the account was situated for the corporate fiction named, " XXXX XXXX XXXX '' who was the transmitting utility in the transaction. 

I, " XXXX XXXX XXXX '' in the proper person was not the transmitting utility during this transactions. 

US Bank records indicate that I was supposed to be the transmitting utility or party responsible for the transfer of title, etc during this transaction. 

Upon requests to validate that I, " XXXX XXXX XXXX '' the actual living soul owe the debt to US Bank, have not been validated. 

Fraudulent transactions further accompanied this transaction as I was not given ANY notification about the transmitting utility or how to properly utilize it during the transaction. 

SEC fraud occurred accordingly and was overlooked by CFPB, as well as court officials and HUD representatives who completed maneuvers of title transfer when there was never anything originally validated or anything able to be furnished regarding the transaction because they were not the rightful owners of the property. 

All resolution and recompense should provide relief for the natural person as emotional duress and forced foreclosure occurred due to coercive and duress oriented tactics. 

I can provide verification that I and the transmitting utility are separate entities with documents that have been recorded in the state records.
Consumer complaint received 2021-07-13
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. (TX)

I have been disputing to XXXX XXXX, Equifax and XXXX  for over 6 months my correct personal information. I have not received any updates to reflect the correct information as of yet. 

Please update all of my personal information on Equifax, XXXX, and XXXX. 

My only name is XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX, XXXX, Tx XXXX My only employer is Self Employed. 


There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Problem : Wells Fargo Home Mortgage took money I had sent for escrow payment and -- without checking with me or asking my permission or even notifying me -- applied it to the principal of the loan ( XX/XX/XXXX ). 

When I called on XX/XX/XXXX to ask why they had not refunded the overpayment of {$600.00} to me, as I had been told they would do when I closed the escrow account ( on XX/XX/XXXX ), the representative ( " XXXX '' ) told me the escrow payment had been credited instead to the principal. I protested that my overpayment/escrow should not have been applied to principal but refunded to me. He said Wells Fargo couldn't " split the payment but would have to refund the entire mortgage payment of {$2100.00} and that would mean my monthly mortgage payment would be late and they would have to charge a late fee. '' Timeline in brief : Called XX/XX/XXXX to close escrow. Told to pay full mortgage payment in XXXX and then in XXXX the bank would refund all escrow ( {$2400.00} ). On XX/XX/XXXX received refund check for {$1700.00}. This prompted my phone call on XX/XX/XXXX.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX continues to report on Equifax and XXXX  incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with Equifax and XXXX disputes and nothing has been fixed. I have paid XXXX XXXX XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (MD)

On XX/XX/2021 I checked my mailbox and noticed I had received 2 letters in the mail from TRS recovery services stating I owe {$37.00} ( principal amount of {$12.00} + {$25.00} returned Item fee ) with the original creditor being XXXX. I contacted XXXX to investigate because I was unaware of the nature of this debt. The XXXX representative had no information about it and stated she had to transfer me to TRS recovery services. Upon speaking with a TRS agent, the agent informed me that the transaction number on the front of the letter did not match my name ( Not my debt ). In other words, stating that the debt wasn't mine and advised me to disregard the letter. I then began asking questions and showing my concerns about the debt being reported to the CRAs. The agent told me to mail back the letters and hung up the phone while I was speaking. Something fishy is going on here. I do not owe any debt to XXXX or TRS. They are violating the FCRA as this is not my debt. Please have them remove this item from all 3 bureaus.
Consumer complaint received 2020-08-12
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: SYNCHRONY FINANCIAL (TX)

I did not authorized an inquiry from Syncb/Amazon XXXX  id theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (TX)

I applied for a mortgage and locked my rate on XX/XX/XXXX. I have been stuck since at least XX/XX/XXXX. I was told " We are waiting for one final item to be provided by title and the loan will go to closing. '' I've asked my loan officer multiple times on what the status and issue are, only to be told they are waiting for the title company. My rate is locked until XXXX XXXX, XXXX   so less than 3 days now.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NC)

I moved from XXXX to XXXX XXXX in 2016 and every time Id try and pay my bills they would put a hold on my debit card. When I went into the Wells Fargo on XXXX XXXX XXXX in XXXX XXXX XXXX to correct the problem they wouldnt help me! I closed my account and went to XXXX XXXX XXXX.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I had Opened XXXX Accounts with Wells Fargo after my mom passed and the funds I deposited money that I received from her estate. I often transferred money in between the XXXX accounts. 

I personally feel that some of the money was misapplied or duplicate withdrawals were made out of the account but actually only made XXXX withdrawal. The interest and other fees charge for Wells Fargo I thought were improper as well.
Consumer complaint received 2018-11-26
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I get ssi and my friend was my payee. Well my friend had everything of mine because I'm XXXX. When she took me to the bank to go get us a bank account for my ssi and ssa can go on there every month. Well the whole time i didn't know what was going on at the bank i didn't know what they where saying to us. Well we got a bank account. So we left and she my payee so i couldn't do anything about her having everything of mine. Well she put a check deposit into my account with someone else is name i told her she can't do that. She said i can't do anything about it because she was my payee and there not going to listen to me anyways because i was XXXX. So please help me out in take her to jail
Consumer complaint received 2021-11-29
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. (FL)

I HAVE FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT. ITS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS.