davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-17
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. (TX)

On XXXX XXXX, XXXX, I submitted a certified written dispute. The reason for my dispute was for 30 days late reporting on my credit file. I firmly believe this is inaccurate information reporting or a system error. I was never late or ever missed a payment on this account. I haven't received a response on this issue ; I have asked 30 days late to remove it from my credit file. I'm challenging this issue through the CFPB to correct this issue and conduct a reasonable investigation. If you refuse to fix this inaccurate information or remove the data from my credit file, you will be inviolate by the Fair Credit Reporting Act. I will open up a sue in Federal Court ; I will open up a complaint with the XXXX. I have supporting documentation to support my sue and complaint. I have a payment transaction date on XXXX XXXX. I made a double payment ; I paid for XX/XX/XXXX and XX/XX/XXXX. I was never late. Account Number : XXXX XXXX Account # : XXXX
Consumer complaint received 2021-04-14
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 ()

So I made a new business account to send and receive money from my small video editing and production business. I didn't face any problems until I one day got up to check my account and see that PayPal have limited it. I tried asking for the reason and why it got limited and never got a clear answer from them, until one of their employees said that this decision is final and we have decided to permanently limit your account, and the balance you have on your account will be held for 180 days and then they'll send me instructions on how to access them after that period. So I waited for 180 days and I went on and check that I can only withdraw money out of my account and not access anything else on it. So I tried to link my debit / credit card to my account but it said that I can't and the only way I can transfer money out of my account is by using a Local Visa Card or a XXXX XXXX Account, but I don't live in the US and they don't give Local Visa Cards in my Country.
Consumer complaint received 2022-02-17
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. (AZ)

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX  Date of Inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My wallet was stolen from my car on Saturday, XX/XX/XXXX. My credit card and debit card were then used to fraudulently spend {$4000.00} ( {$2000.00} ) on each card at the XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, California. I have disputed the charges with both XXXX XXXX ( credit ) and Wells Fargo ( debit. ) XXXX XXXX has said that the charge will be flagged and voided, however, Wells Fargo is still in the claims process.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LEXISNEXIS (IL)

i have bankruptcy on my credit i mean XXXX XXXX and XXXX XXXX XXXX XXXX status - Discharged Date reporterd XXXX Reference # XXXX Closin Date XXXX by Court U.S Bankrupcy Court Pleas remove me Thank you XXXX XXXX My addres is XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Thank you again
Consumer complaint received 2022-05-30
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. (SC)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act which it said by law, I have rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXXAccount Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address I put on the form area. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-02-17
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. (GA)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc. (CA)

On XX/XX/22 I received an alert on my XXXX report for a fraudulent new account with the company moneylion for a loan totaling XXXX XXXX I contacted moneylion to have the account removed and have sent in documentation proving identity theft. I have also reported the identity theft to the FTC. The company has not helpful in removing the account at all
Consumer complaint received 2022-02-17
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. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-30
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. (TX)

Good Afternoon : My name is XXXX. XXXX XXXX XXXX, and since XXXX I have consistently disputing two payday loans taken out in my name. After years of being turned down for mortgages and credit, I have finally given in and paid one of the payday loans off. However, one credit bureau improved my credit and wiped the slate clean of BOTH delinquent accounts, while the other two refuse to remove the PAID IN FULL account with clear proof from the agency with a letter. I have suffered enough as an XXXX who can not afford to even apply over and over to be denied a home because of fraudulent and inaccurate information. Then, when I put in for a dispute, magically the amount of the account goes up by a dollar and causes my credit score to decrease XXXX points each month. I want not only to have these issues rectified, but I want my credit score to go back to the XXXX it was in XXXX of this year or better because I am debt free except the college loans that remain as I am in XXXX XXXX  working on my XXXX. I know my rights, and under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 et seq. ), I could be owed damages for unfair practices.
Consumer complaint received 2022-10-17
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: EQUIFAX, INC. (GA)

After reviewing my credit report for any fraudulent activity, unknown or unauthorized by me. I discovered inquiries on my account that were fraudulent, and I want to move forward into to disputing them. So therefore, I contacted all 3 credit bureaus to open a dispute. This is the list of fraudulent inquiries and the inquiry dates : XXXX XXXX ( XX/XX/XXXX ) -EQUIFAX MTG XXXX XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XX/XX/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 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

I was booking a flight on JetBlue and when I went to pay, I received an offer to open a JetBlue credit card through Barclays and if I spent {$1000.00} within 90 days on the card they would give me XXXX frequent flyer points. I did what was described and only received XXXX points. I called Barclays, and they said only JetBlue could fix this. I contacted JetBlue, and they said only Barclays can fix this. I have not gotten additional points, and even if I do eventually, this is still fraudulent advertising. I shouldn't have to reach out for them to fix this, and I'm sure other people won't reach out, or perhaps even notice. When I was on the flight I booked, flight attendants came down the aisle with a brochure offering XXXX points if you open an account and I thought, " I don't need that, I already did that. '' How can they be held accountable?
Consumer complaint received 2022-05-30
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. (VA)

Numerous attempts made to dispute and correct information appearing on credit reports with XXXX, Equifax and XXXX. Issue is in regards to medical collection accounts that belong to someone with similar name spelling. This includes XXXX accounts from the same collection agency, XXXX XXXX XXXXn on behalf of XXXX XXXX, in the amounts of {$110.00}, {$130.00} and {$2200.00}. Documentation was submitted, which included name information and copies of billing statements from the original account holder ( not the collection agency but the hospital ) showing patient name on the statements. Most recent actions taken include : dispute submitted to XXXX XX/XX/XXXX and returned XX/XX/XXXX stating information was verified as accurate ; dispute submitted to Equifax around XX/XX/XXXX and returned XX/XX/XXXX stating information was verified as accurate ; dispute submitted to XXXX around XX/XX/XXXX and returned stating that the smaller account for {$130.00} would be removed, while there was no sufficient documentation shown to remove the larger account for {$2200.00} and the information was verified as accurate. Both accounts for XXXX were included in the same dispute and the documentation submitted/accepted was the same, and the accounts are from the same collection agency.
Consumer complaint received 2022-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (TX)

I received my new mortgage amount from Arvest Mortgage Company which increased from {$740.00} to {$1200.00}. Most of this amount is for the escrow. The house I bought was a new house, and I was informed by the previous mortgage company servicing my mortgage to be sure to add extra amounts to the payment for the escrow account which I did. 

Around XX/XX/XXXX, I contacted Arvest to see if I could work out a better mortgage payment by lowering the escrow amount by {$200.00}. I received a reply that this is what the calculations came up to and pretty much indicated that there was nothing they could do. 

Around XX/XX/XXXX, I contacted them again, telling them I am a XXXX XXXX  on a fixed income and would they please have it reviewed and see what could be done. I received a reply that it would be reviewed and that I would receive a response by XX/XX/XXXX. As of today, XX/XX/XXXX, I have received no response from Arvest.

There are many homeowners in my subdivision that had their mortgages raised anywhere from {$500.00} to {$800.00}. At this point, I am not sure how long I will be able to stay in my home.

Anything you can do to help with my situation would be greatly appreciated.
Consumer complaint received 2022-05-30
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2021-04-14
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. (GA)

I am writing this in order to clarify unknown accounts that appeared in my credit report. I checked my credit profile to make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. SO its not ok if I have misleading accounts in my credit report therefore please delete them and try to make it as soon as possible. Thank you
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MT)

I purchased a oven on XX/XX/XXXX with a Wells Fargo credit line. This was a no interest credit line if paid in full within 12 months. I did not receive a bill during the first week of XX/XX/XXXX so I went to their online billing site and submitted a payment of {$1000.00} on XX/XX/XXXX. I get paid once a month on the XX/XX/XXXX so that is when I pay all of my bills. I did not receive a bill for XX/XX/XXXX by the first so, once again I submitted a payment online for another {$1000.00} on XX/XX/XXXX. The same thing happened for the month of XX/XX/XXXX. I submitted a payment online for {$1000.00} on XX/XX/XXXX. When I finally received my billing statement in the mail on XX/XX/XXXX there was a late fee of {$27.00} added. I telephoned the Wells Fargo customer service number and spoke with a young women whose name I did not catch ( English was a second language ) and was told that due to the billing cycle, I was being charged a late fee because I was paying too early. I said that I would not pay a late fee for paying too early and expected it to be removed. She had to discuss this with her supervisor and after, I was told that it would be removed this time but that I needed to adjust my payment date. Apparently this is another way for Wells Fargo to steal from their customers. Who ever heard of being charged a late fee for paying too early? I believe Wells Fargo needs to adjust their billing cycle. This is the most ridiculous thing I have ever heard. I will be calling every month to have this fee removed ( extremely inconvenient ) and I will NEVER recommend Wells Fargo to anyone for anything and will certainly NEVER EVER use their services again.
Consumer complaint received 2022-05-30
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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. (LA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these accounts ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NM)

On the first call to Barclays on XX/XX/XXXX I had a balance of {$580.00} and automatic payments of {$13.00} per the automated system. I obtained this information by entering in my social security number and my date of birth. I never opened another card with Barclays after the fraud. It took them sometime but a Barclays rep ( XXXX ) found the account, I was the primary and there was an authorized user that they wouldnt name the authorized user or the address that did not match the two I gave ( " I don't see any of those on this account '' ). I was also supposed to get some documentation and a letter, which never came. The account was flagged for fraud too by the actual fraud department ( I spoke to this gentleman ) according to the general rep ( XXXX ). The fraud rep transferred me back to the call-pool and I managed to get back to XXXX. She stated everything was now showing it was flagged as fraud and closed. I spoke to a general rep and a rep from the fraud department at Barclays. 

I can still access this ACTIVE and recent credit history by entering in my social security number and my date of birth. On XX/XX/XXXX there is a balance of {$13.00}, a credit limit of {$5400.00} w/ {$1100.00} cash withdrawal, the automatic payments are no longer listed. Now I dont have an active account and I am allegedly an authorized user on someone elses account because they cant find me w/ my date of birth and social security number. They cant see the running balance or credit limit. Yet I can still enter my date of birth and social security number when calling in before I get a rep on the line. During the first two minutes of the call the general rep ( XXXX ) stated either name was not what was pulled up on this mystery account, the rep flipped shortly after and insisted I have two inactive accounts. On this call I also spoke to a customer security rep. 

Barclays is trying to cover up a mistake if thats whats going on either for myself or another person. If this is a genuine mistake IT and a manager need to physically remove my social security number and date of birth, otherwise they are helping a stranger commit identity theft and credit card fraud. I DID NOT CONSENT TO HAVING THIS ACCOUNT OPENED OR TO BE AN AUTHORIZED USER. Ive put in a dispute w/ experian and frozen my three credit accounts w/ the three companies ( XXXX, XXXX, XXXX ) and Ive done the identitytheft.gov thing. 

Recording :XX/XX/XXXXXXXXXX/XX/XXXXXXXX