davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2015-04-10
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Halsted Financial Services, LLC. (NH)

I was contacted by Halsted financial services.I asked if they could send me a copy of the paperwork that determined I hold the debt. They refused to provide me with the paperwork as well as hung up on me. I called back XXXX 4 times after being hung up continuously. After finally speaking with someone and requesting the documents again I was told no multiple times and that I would experience wage garnishments as well as being sued in court if I did not settle the debt immediately. I again asked for the proper documentation that showed I owed the debt the representative refused to send me the paperwork. I asked to speak with their supervisor and was immediately told no that is not possible at this time. I said I will have nothing further to discuss with you until speaking with your supervisor I was hung up on. I 've been called back and got the company name to file the complaint.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the XXXX XXXX stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CO)

We sent in the first XXXX checks in the amount of {$XXXX} and {$XXXX} and both were stamped and returned to us. The XXXX check in the amount of {$XXXX} were sent to them on XX/XX/year>. They kept this check and did not send it back. So between me and my husband we took turns calling them more than XXXX or XXXX. Every time we called we would get a different customer rep with a different story. We call them so many times but no resolutions. On XX/XX/XXXX, I spoke to XXXX XXXX Mortgage 's customer service, she said that on the XXXX of XXXX Roundpoint will escalate my account for process and so I will receive my check back XXXX to XXXX  days. She counted the date and she said it will be on XX/XX/XXXX that I will receive this check. On XX/XX/XXXX we received a check in the mail but it is only in the amount of {$XXXX}. They kept the balance of {$XXXX}.
Consumer complaint received 2024-08-18
Product: Credit 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: OneMain Finance Corporation (NJ)

I'm kindly asking the CFPB to conduct XXXX investigation under this credit card company XXXX. I have credit card with them for a {$1500.00} credit limit, i hardly use this card to make any purchase only once and far I use it to keep it active. But if recently I got a few unauthorized transactions with this credit card. I called and made several report about the issue, they keep promising to look into it but never do. 

Now on XX/XX/year> I log on to my account and see a balance of {$1400.00} on my card I check my transactions history and found no transactions that could have cause this. I then forth to reach out to their customer service number, after several attempts I was able to get in contact with a representative, he then started saying they have a major outage that cause that with my account. Now I waited a few days and no update on my account. I contacted them again and a support team said the outage automatically close the disputes and billed back my account. Now explain to how can a credit card company be so unprofessional with people. I had to request to have the account closed because this issue keep repeating itself and they are not doing anything about it! 

This is why I'm please asking the CFPB to step in and investigate this credit card company
Consumer complaint received 2024-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

We had a project being completed at our XXXX, when we received a " fake '' email representing the company we were doing business with. This fake email address was the same as the valid company email address except the letter " XXXX '' was added to the end of the address before the ( XXXX ) It also included all the logos and salutations at the end of the email just the real one. After requesting an ACH payment, which we were unable to do because of the amount, the fake company sent over information for a wire transfer. It had the name of the company we were doing business with the wire transfer information. We wire-transferred the money on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX, the fake company sent an email saying their bank account at USAA bank was frozen for being overdrawn. They wanted to know if we could ACH them the money again. I told them the money was sent and until we get the funds returned, we would not send any more money. I contacted XXXX XXXX XXXX  to ask for a refund of the money. We thought it odd ; they kept asking for the money to be sent again and by ACH. We eventually contacted someone at the real company, and they said the emails had not come from them. I contacted XXXX XXXX XXXX  again to let them know the receiving account at USAA Bank was a fraudulent account and to let USAA bank know about it. XXXX XXXX XXXX said all they could do was send them a notice requesting the fund be returned and to inform them their account was fraudulent. I contacted USAA bank, and they were no help in the matter. Since I did not have an account with them, I was not the owner of the fraudulent account, and they could not provide any information to me. All I wanted to know was if they knew the account was fraudulent and if the money had been released. They would not provide that information to me. 
It was very frustrating, not being able to talk with a person about the matter directly, and working through XXXX XXXX XXXX  was no help either. After a month, on Monday, XX/XX/year> USAA Bank informed XXXX XXXX XXXX  that they would not return the funds because the owner of the fake account would not return the funds. I still do not know if USAA bank knows they let a fraudulent account be set up at their bank and allowed money to be transferred to that fraudulent account.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Since XX/XX/XXXX, I have made repeated attemptsby phone, mail, and written responsesto resolve inaccurate information on my credit report with Equifax, XXXX, and XXXX. Despite my efforts, they continue to report inaccurate details on several accounts. 

XXXX account I have specifically disputed is with XXXX XXXX XXXX. Equifax, for instance, is not reporting any record of my last payment. For the information to be accurate, all aspects of the account must be fully and correctly reflected on my credit report. As of Equifaxs latest report on XX/XX/XXXX, there is still no update regarding my last payment. In this case, the account should either be updated with accurate information or removed entirely. 

XXXX is similarly reporting inaccuracies on this same account, listing the last payment date as XX/XX/XXXX, with a last report date of XX/XX/XXXX. This information is inconsistent with both Equifax and XXXX. According to the Fair Credit Reporting Act ( FCRA ), credit reports must reflect 100 % accurate information. Incomplete or inconsistent reporting violates this standard. 

Additionally, there are other accounts on my credit reportsuch as those with XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX are also inaccurately reported across all three credit bureaus. I have contacted Equifax, XXXX, and XXXX multiple times since XX/XX/XXXX to request thorough re-investigations into the accuracy of these accounts. Unfortunately, none of the bureaus have taken the appropriate steps to address these issues. 

These reporting inaccuracies are negatively impacting my financial well-being. The failure of all three credit bureaus to adequately investigate and correct these discrepancies is a direct violation of my legal rights under the FCRA. This negligence on their part not only undermines my financial standing but also demonstrates a broader pattern of disregard for consumers in similar situations. I demand immediate attention and correction of these inaccuracies.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since XX/XX/XXXX, I have made repeated attemptsby phone, mail, and written responsesto resolve inaccurate information on my credit report with XXXX, TransUnion, and XXXX. Despite my efforts, they continue to report inaccurate details on several accounts. 

One account I have specifically disputed is with XXXX XXXX XXXX. XXXX, for instance, is not reporting any record of my last payment. For the information to be accurate, all aspects of the account must be fully and correctly reflected on my credit report. As of XXXX latest report on XX/XX/XXXX, there is still no update regarding my last payment. In this case, the account should either be updated with accurate information or removed entirely. 

XXXX is similarly reporting inaccuracies on this same account, listing the last payment date as XX/XX/XXXX, with a last report date of XX/XX/XXXX. This information is inconsistent with both XXXX and TransUnion. According to the Fair Credit Reporting Act ( FCRA ), credit reports must reflect 100 % accurate information. Incomplete or inconsistent reporting violates this standard. 

Additionally, there are other accounts on my credit reportsuch as those with XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat are also inaccurately reported across all three credit bureaus. I have contacted XXXX, TransUnion, and XXXX multiple times since XX/XX/XXXX to request thorough re-investigations into the accuracy of these accounts. Unfortunately, none of the bureaus have taken the appropriate steps to address these issues. 

These reporting inaccuracies are negatively impacting my financial well-being. The failure of all three credit bureaus to adequately investigate and correct these discrepancies is a direct violation of my legal rights under the FCRA. This negligence on their part not only undermines my financial standing but also demonstrates a broader pattern of disregard for consumers in similar situations. I demand immediate attention and correction of these inaccuracies.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have not supplied proof under the doctrine of estoppel by the silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX  balance {$120000.00}, XXXX XXXX balance {$2700.00}.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im devastated after discovering inaccurate accounts on my credit report today. I check it all the time, but suddenly, there are discrepancies that just dont make sense. I refreshed my browser, hoping it was a mistake, but nothing changed. Im asking for the documents Ive sent to be thoroughly reviewed because this is causing me so much stress, and I want it resolved.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I couldnt believe my eyes when I saw inaccurate accounts on my credit report this morning. Ive been diligent about checking it, but suddenly, there are discrepancies for reasons I cant explain. I tried refreshing my browser in case it was just a glitch, but the problem persisted. Now, Im feeling so unsettled, and I really need those documents I sent to be checked properly, so I can have peace of mind again.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , -block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXXXXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Fraudulent Accounts and Inquiries - Identity Theft Dear XXXX, XXXX, and TransUnion, XXXX am writing to dispute the following fraudulent accounts and inquiries that appear on my credit report. These accounts and inquiries were opened or initiated without my knowledge or consent and are the result of identity theft. 

FTC Identity Theft Report Number : XXXXXXXX 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 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 I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which mandates that credit bureaus must block the reporting of information resulting from identity theft within four business days upon receiving the necessary documentation.

In accordance with 15 U.S.C. 1681i, I request that you conduct an immediate investigation into these disputed accounts and inquiries. You are legally required to complete this investigation within 30 days and remove any inaccurate or fraudulent information.

Attached is a copy of my FTC Identity Theft Report, a copy of my government-issued ID, and any other relevant documents to support my claim.

Please confirm in writing that you have received this dispute and that the fraudulent items have been removed from my credit report, as required by 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA.

Failure to comply with these obligations may result in legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!