davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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. (VA)

I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). 
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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXXXXXX XXXX  {$3800.00}
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-22
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. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-21
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. (MD)

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : 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. In addition to these fraudulent accounts, I've noticed several hard inquiries XXXX XXXX, XXXX XXXX XXXX,
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (AR)

I've found errors on my credit report tied to 15 USC 1681c-2, specifically unauthorized inquiries that are damaging my score. Kindly remove all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by slience XXXX XXXX XXXX ( mo ) XXXX XXXX. | presume that no proof of the alleged debt, therefore any such debt, in fact therefore exist. ( please remove these accounts before I see litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Listed below is proof of me being a victim of identity theft. I have provided proof of my signature being forge on a membership I've never created. I was able to gain access after investigating the fact that a collection was put in my name. I ask for the owner to remove the collection and was told it would be since it's fraudulent. The other accounts that are listed is fraudulent as well and needs to be invested expeditiously. I am asking that my complaint gets fully analyze for these accounts doesn't belong to me and never gave any consent to anyone.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

While attempting to get a home loan, I was notified that there are XXXX student loans totaling roughly {$100000.00} each. However, this is a dupliacte. I only have XXXX federal student loan totaling roughly {$100000.00} serviced through XXXX. I need this updated as soon as possible. The former loan servicer was XXXX. Thank you!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX : {$640.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

They are allowing XXXX XXXX to report late payments monthly on a debt I do not owe them. I have never done business with them nor agreed to payments. This is also unlawfully extending statute of limitations on original debt that was never verified or validated. 

False statement and representation : Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )
Consumer complaint received 2024-10-22
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. (MI)

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX XXXX XXXX for the account number XXXXThe late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Equifax are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

For CC # XXXX XXXX XXXX & XXXX XXXX XXXX XXXX My wife and I remitted payments of {$5100.00} and {$4200.00} which XXXX XXXX bank XXXX XXXX almost immediately, XX/XX/XXXX. We used my wife 's bank account as it had the funds to pay the entire balances before our intro 0 % APR promo rate expired. 

We were told there was a routine 5 day hold on the payments before the credit could again become available ( which was needed to pay other clients for our small business ). During the process, I made daily attempts to pay these clients XXXX XXXX and was declined as the " holds '' were not done. Finally a {$2000.00} payment went through on XX/XX/XXXX and I assumed all was right. 

Both my cards were subsequently locked and frozen, and during a call on XX/XX/XXXX a " XXXX XXXX '' (? ) went on to tell me they suspected fraud and were locking the accounts until early XXXX essentially telling me the Bank XXXX to make sure the payments " cleared '', as they were made from an " account they did not recognize ''. 

Bank payments have XXXX possible statuses : Cleared, pending, rejected. XXXX cleared without any questions on XX/XX/XXXX. Several B of A phone reps told us, and XXXX XXXX told us. Bank of America is fraudulently holding {$10000.00} of our money " in suspense '', without interest, despite these funds being long out of XXXX account. 

XXXX XXXX phone operator XXXX today confirmed the funds left our account and cleared on XX/XX/XXXX, and gave us the payment ID : XXXX. 

I subsequently cancelled both B of A cards in this phone conversation, and demand remuneration for this absolute nonsense.
Consumer complaint received 2024-10-22
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. (MI)

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX XXXXfor the account number XXXX The late payment is reported a dated XX/XX/year>, and I firmly believe this is inaccurate for the following reasons : I have always made my payments on time, apparently they have administrative errors Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

I have been disputing the accuracies of the XXXX funding for the last two year to the three major credit reporting agencies. each time they say it meets the FCRA requirements. How can this be if all three credit reports report something different on the account. This is unsatisfactory to me as the consumer who has to put trust and confidence these agencies to do the right thing. it is a must that XXXX XXXX removed from my report from the three credit reporting agencies immediately due to in accurate reporting practices and procedures. it is time that these report agencies are help accountability for the lack of due diligence thats has been show on multiple occasion to multiple consumers. I have submitted multiple reports showing the inaccurate reporting only for those report to fall to blind eyes. It is my right to have this inaccurate reporting rectified.
Consumer complaint received 2024-10-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

My original complaint with the CFPB is # XXXX because AES was not responding within a reasonable amount of time to my request to have my loans forgiven due to school misconduct. A few days ago I received a notice in my online inbox that the loan owner ( XXXX XXXX  ) is " ... not taking action on my request... '' with no additional information. They didn't provide me with a way to follow up on this matter directly with them, but I did submit a request earlier today for information on why my request did not result in action and if there is anything I can do to get them to reconsider, but given their track record of following up I doubt I'll hear back any time soon.
Consumer complaint received 2018-05-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

It's been 3 weeks since Ocwen agreed to a " Repayment Plan '' on my mortgage. The excuses I am getting is ... '' We are still trying to review the repayment plan ... .it has been approve but we still need time ... '' The Repayment plan consist of a {$10000.00} dollar agreement with an 11 months of {$900.00} added to the mortgage payment of {$770.00} which totals the amount of {$1600.00}. I spoke to my relationship manager ( XXXX XXXX ) three ago and he said it will be approve ... .I called the OMBUDSMAN Ocwen Office 5 times and keep getting the run arounds .... 

I need CFPB to get some answers before I file a lawsuit against Ocwen for Mortgage Fraud. 

A month ago, Ocwen called my Attorney, stating they plan to foreclose on the home, Ocwen has been sending four of my payments back to me since XX/XX/2018 with the INTENT to Foreclose to make a {$100000.00} dollar profit. I have owned this home for the past 14 years with my family and raise my kids. I have a lot of fond memories. 

According to my Bankruptcy Attorney, he stated, Ocwen should deal directly with you, since your " stay '' has been removed.
Consumer complaint received 2018-05-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (GA)

My received a loan set off and determined by the fair market value of a 2001 XXXX canry yellow XXXX in mint condition. They refused rto make payment arrangements with me and my car was repossed within only a 30 day period of not being able to pay due to an truck accident in which I lost my job. XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to make a payment arrangement over the phone and said I need to make an arrangement in person after losing my only means of transportation. They accelerated the loan and breached the peace by selling my car without proper notice and venue and I was given a potential fraudulent.bill of sale sold at an auction in which it was sold for XXXX .I 'm requesting proof of sale and Bill of sale and XXXX XXXX XXXX XXXX XXXX insurance company 's information to submit. A legitimate and valid claim. I have XXXX. Video of XXXX XXXX branches Gm giving me really potentially fraudulent, exaggerated bill of sale without proper notice to be first in line to cure account and be able but back my property and my means of transportation. The district manager refused to provide me the insurance companies contact number on recording. There is no statues of limitations on fraud. This is a strong unrefuted unrebutted claim in that regard claim amount is fairly calculated in the amount of XXXX.
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

On XX/XX/year>, I purchased a ride on XXXX This company claims to provide customers with long-distance rides. I bought a ride from XXXX, Maryland to XXXX, North Carolina on XX/XX/year> for {$920.00}. Later that day, the driver contacted me and said that he was no longer picking me up due to his own personal issues. I understood his case but asked him if I would get a new driver or a refund. He said that I should get a new driver soon, which was false. I tried to contact the company about this issue but got no response. Now I am here a month later, continuing to fight against my case. The company has yet to respond after a month, and Cash app continues denying my dispute because " the transaction was authorized. '' I've been trying to tell Cash App that I know this transaction was authorized, but I did not receive the ride that I paid for, nor did I get a refund. As I continue to reach out to Gettranser.com, I still have yet to get a response. All I wish is for my refund. Thank you.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (VA)

I was using a banking service for my Business, that I have used for four years. I had a client to pay an invoice this morning in the amount of {$1900.00} and went to use the business debit and checking card I have through Square, that I have had for 3 years. I attempted to pay a contractor via his desired payment method of cash app, and the transaction was declined. After that, I went to check my balance and the available funds of {$1900.00} was gone. I contacted Square who told me a hold was placed on my account with no details, and the hold couldn't be lifted until Monday when the team returns. I requested a supervisor and to no avail, wasn't assisted. I was told I would have to wait the entire weekend to have the hold reviewed and lifted.

My concern is that even Credit unions who aren't available on weekends, has a team available when these issues occur to prevent anyone from being without their funds. Square is unlawfully holding consumers funds, with no available team or persons to ensure the hold is legit and legal, and consumers have access to their funds. 

Now I am out of my funds, and have to prolong a contract with a client. I am a business owner, and now I can not conduct the service that a client paid me for in a timely manner, because I don't have the funds to pay the contractor. Now I have to explain this to the client and potentially look like a fraud. This has cost me a lot.