davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/1987 My correct Social Security XXXX My correct address is:XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Michigan XXXX My employer is : XXXXXXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My employer is : XXXX Insulation Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls.

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2022-06-21
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: Westcreek Financial (TX)

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/19
Consumer complaint received 2024-10-10
Product: Credit reporting 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. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood has " restricted '' my account, and I no longer have access to my funds. 
They restricted the account on XX/XX/23. When contacting customer service, they say wait up to 15 business days without clear reason.
Consumer complaint received 2021-06-23
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)

On XX/XX/21 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later i have not received a response yet. I fell like i am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my report it has been well over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will fill litigation due to stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (GA)

The Credit Bureaus never did a proper investigation '' according to the FCRA The term " investigative consumer report means a consumer report or portion thereot in which intormation on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this Also, they have violated my rights even more.

In accordance with the air Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible it the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 

They also violated the law because according to 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.

I did not give anybody written instructions.
Consumer complaint received 2022-06-21
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 (MD)

I received an email from Paypal indicating a payment ( which I did not perform ) was successful. The amount was {$35.00}. I cross referenced with my bank account to ensure no such amount was deducted. I called Paypal today XX/XX/2021 to learn the email received was possibly a scam. My account with Paypal was also placed on limited access which limits me from removing the card on file as well close my account. In order to do this, Paypal wants an uploaded copy of my ID as well as proof of address in order for them to remove this restriction. Why would I upload personal information as such if my account was potentially compromised. I should be able to delete the card on file and close my account. There are no outstanding payments in or out of the account. Paypal has a history of compromised accounts where I can see how if I don't even have the capability to delete a card on file. My information is being stored with easy access should their files become breached. This can not be an acceptable practice.
Consumer complaint received 2021-05-17
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SinglePoint GI (GA)

On XX/XX/XXXX at approximately XXXX I received a call from the debt collector at my place of employment. This was after speaking with them several months earlier and letting them know to not contact me at my place of employment.
Consumer complaint received 2021-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I would like to claim negligence by XXXX. They should protect me as their client ; however, they failed to protect me and fail to investigate the claim. They did not live up the expectation that such big company is expected to give to their client. 
On XX/XX/2021, I was victim of voice phishing. The scammer had spoofed XXXX XXXX  number and I was scammed for {$2000.00}, by XXXX. Right after I realize that was scammed, I called XXXX and was put in hold for more than an hour, so I had no other choice than going to the local XXXX XXXX to explain my situation. They put hold on my account, and I was told to wait that they will investigate my claim. They also told me that I need to go to Wells Fargo bank and to talk to them because the recipient is an account holder at Wells Fargo. I knew this because the person at my local XXXX XXXX  was able to me track the recipient and found a Wells Fargo account as well as the last 4 digits of the account number, also I received multiple emails saying to confirm my account to receive money. We went to Wells Fargo and after checking my info in their databases they concluded the person who scammed me was using my name and email but after checking my socials I did not have any accounts with them, they gave us a phone number to call fraud department. We called and they told us to wait for XXXX XXXX, that they will communicate with each other to investigate the case. I told Wells Fargo that I am certain that the money was transferred to Wells Fargo bank account, because they used my email to open a new account at Wells Fargo. They fraudulently opened an account at Wells Fargo to steal money from me. Thus, Wells Fargo Bank also must be responsible for this claim. 

The next following morning not even after a full 24 hours in the morning, I had received a statement from XXXX through my XXXX mobile app stating that under my authorization and agreement that they will not be taking any action and the inquiry was now closed. This especially confused me since I have never discussed not taking any action and have agreed to close the inquiry. I was assured over the phone by XXXX XXXX  that they would work hand in hand with Wells Fargo and update me on any finds regarding my claim, but I received no updates, no resolutions, just a statement stating that the inquiry was now closed, and they will not be taking any action. I even called after receiving the statement and was put on hold for more than 2 hours and called back the following day, and the lady I was speaking with could not explain in her own words what the resolution was and why my inquiry had been cut short without any investigation. Just repeating the same thing over and over again and I was not satisfied with the answers. It seemed to me that they just wanted to cancel my claim without any right of fair investigation. 

XXXX CLAIM # XXXX
Consumer complaint received 2020-05-04
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. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2022-06-21
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. (AL)

spoke with XXXX at XXXX XXXX on XX/XX/XXXX. Advised to them that this is a debt that is over 6 years old and that I have been disputing that the debt is not mine and I have not received anything validating this debt since it was placed on my credit. XXXX said that they can not give me any information on the account until the account has been paid off also said that it doesnt matter how old the debt is they are going to keep trying to collect on it but yet I have not heard from anyone and on my credit report it says the date of the last action was XX/XX/2016. I have the right to have my debt validated and for them to show proof that this is my debt. I have asked equifax to send me proof and validate this account but they only update the status as account verified but does not send me proof.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Business Bureau (IL)

On XX/XX/XXXX MEDICAL BUSINESS BUREAU entered two collections in my name, {$390.00} & {$160.00} respectively. 

Last year XX/XX/XXXX, I was involved in an auto accident, that resulted in injuries. It is currently under LITIGATION, with my law firm XXXX XXXX XXXX. All respective companies were alerted by my lawyer to avert COLLECTION practices. 

To date, I am unable to validate the debts claimed by MEDICAL BUSINESS BUREAU. I believe these to be FRAUDULENT, they are taking advantage of my vulnerability at this point
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NH)

I refinanced my house in XX/XX/XXXX. The mortgage was with XXXX XXXX XXXX ( no longer in business ). I believe that XXXX XXXX XXXX was taken over by XXXX XXXX ( also no longer in business ). I am currently with Wells Fargo Home Mortgage. I have been in this house for 16 years. 

We are selling the house and have a buyer. We are supposed to close on the house XX/XX/XXXX ( next week ). I received a call from the buyers closing Atty. XXXX XXXX, XX/XX/XXXX phone # XXXX on XXXX saying there is a problem with the title on our property. He said that it was not properly discharged. He said there is no record of the refi mortgage being paid off before going to our current mortgage, Wells Fargo. He asked if I had the settlement statement showing the payoff. I found the statement and sent it to him. He said the pay off is showing to XXXX XXXX and does not mention XXXX XXXX so it is not acceptable. He said he would have to hire a title search company and that could take weeks. The settlement company was XXXX XXXX XXXX , XXXX ( also no longer in business ). We did pay for title insurance at the time to XXXX XXXX XXXX XXXX of FL ( they are no longer in business ). 

My current mortgage with Wells Fargo is account # XXXX. I called them and they were able to provide a document that does name XXXX XXXX and XXXX in the document. This was faxed to the Attorney. He is saying that it is also no good. 

The attorney said to me " I know you must have paid the mortgage off or they would have foreclosed on you by now '' since we are still in the same house. 

It is not fair to the consumer to have to prove this payment again when I did provide the settlement statement. Now I am afraid I will loose the condo I am buying and the buyer for my house. 

I am in a terrible situation right now. Any help you can provide would be helpful.
Consumer complaint received 2020-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (GA)

I have for 2 years paid my escrow shortage in full. Both years my mortgage payment continues to go up even with a cushion they add in addition to my escrow. I have tried on both years to get someone to explain it to me as I have never had this happen before. I still do not understand a cushion in addition to escrow. If I am paying a shortage in full my mortgage amount should not change. Additionally, I was told I should not pay a shortage and just pay the increase. If I was to not pay and have a payment of $ 590+ a month and I pay the shortage in full and still end up paying $ 568+ a month it doesn't seem right.
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY ()

I was advised to close my account due to the fact I don't have a permanent US address. I am a US citizen living overseas. I completed an Account Closure form in apostile form and forwarded it to the bank on the XXXX XX/XX/2022 ( along with transfer details to a new bank ). They received on the XXXX XX/XX/2022. They promised 10 day turnaround. When I called them after nothing had happened for 10 days, they said there were 'delays '. I called today and have been holding for an hour already on an overseas call. I can't transfer the money myself, as their App won't let me as I don't have a permanent US address. They have effectively locked my account with no recourse.
Consumer complaint received 2022-02-11
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. (NJ)

Choose according to account type. 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 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

I financed my car through Santander bank. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month Santander takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and Santander Bank numerous times yet the late payments remain and every single month I am paying Santander on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!