davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (DC)

Through XXXX XXXX I have an XXXX, Walmart,  XXXX XXXX and XXXX XXXX store card. Around XX/XX/XXXX I noticed that I saw a " payment past due '' on the XXXX XXXX card account. I was baffled since I had set up all my credit accounts with recurring payments and minimum due. I paid the XXXX XXXX account to include the late payment which I should not have done. I went to each of my accounts on XX/XX/XXXX to ensure that all of them were enrolled in recurring payments AGAIN. Today XX/XX/XXXX I see that Walmart Store Card account was AGAIN talking about " payment past due '' and they had tacked on a late payment fee which I told them I refused to pay. They claim that they were doing me a favor by removing the late payment fee but that I had to pay the full amount due by XX/XX/XXXX to keep from getting a 2nd late payment fee. I asked them what was the amount due on XX/XX/XXXX and that was all I was going to pay them, minus the late payment fee. I believe somehow Synchrony did something behind the scene to remove the recurring payment enrollment on these cards so they could generate a late payment fee.
Consumer complaint received 2024-01-23
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. (FL)

In accordance with the Fair Reporting act XXXX XXXX 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.
Consumer complaint received 2023-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

On XX/XX/XXXX I checked my credit report and noticed a collection account by Account Resolution Services ( ARS ) from the original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Upon further examination of the account I noticed the age of the account that was reporting on XXXX, it caused some concern as the 7 year from the delinquency date had passed more than 2 ( two ) years ago. When I called Account Resolution Services ( ARS ), the collection agency that posted this collection to my XXXX credit report had ARS PRETENDED TO NOT SHOW A BALANCE ON MY CREDIT REPORT, AS HEARD ON THE RECORDED AUDIO. THEN WHY IS IT LISTED ON MY CREDIT REPORT? THE REPRESENTATIVE DID NOT HAVE A SUFFICIENT ANSWER. According to the FTC ( Federal Trade Commission ) 15 U.S. Code 1681c " The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party ( ARS ), whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. '' Please noted that I've NEVER had a bankruptcy, thus this account should have been deleted off my credit report on XX/XX/XXXX. As of this year ( XXXX ) this account is STILL LISTED ON MY CREDIT REPORT. This is a violation of the Federal Trade Commission law. 

Account Resolution Services ( ARS ) is also in violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, which is " consumer protection amendment, establishing legal protection from ABUSIVE DEBT COLLECTION PRACTICES, to the Consumer Credit Protection. 

Look for the account under XXXX XXXX
Consumer complaint received 2023-07-20
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-20
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022 XXXX XXXX
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (TX)

I am writing my CFPB complaint today to inform you about the negligence of the three credit bureaus and I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX/ XXXX Balance : {$13000.00}.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MN)

I have had checking account at ally bank since XX/XX/scrub>XX/XX/XXXX Suddenly this month first my XXXX access was on hold on the XXXX I got it resolved but somehow since XX/XX/XXXX my account has been suspended for a reason I dont understand and now I cant access the money in my account. I have XXXX dollars in the account and I havent been able to pay my credit card bill.
Consumer complaint received 2018-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

Throught all of the delays with Chase, I had to file bankrupcty to stop the foreclosure of my home. I should not have had to do that. Problems with chase has been on going for years and all I want to do is leave the property. At first they gave me a hard time about trying to keep the property and now that I want to leave, I am still getting a hard time. Every time I contact Chase or receive mail from them, they tell me something different. I received 2 letters datedXX/XX/2018 where in one letter, I got assigned a new relationship manager who said she will be in contact with me. I dont recall speaking to her. The other letter, which is the real reason why I am writing, states '' we can't consider you for mortgage assistance because we didn't receive your initial request by the required number of days before the scheduled foreclosure sale. If the foreclosure sale date is pushed back by more than than this required number of days, we '' ll continue to review your request for mortgage assistance. '' This is nothing buy lies. I turned my mortgage application in on XX/XX/2018or so. Chase didn't review it. They chose not to. Now they are sending this to me after the fact to try to cover their butts again. I have made it known many times that I am always being told different things, which has impacted how I have proceeded in my case.
Consumer complaint received 2023-07-20
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. (CA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. I have not made late payments to companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . This in inaccurate reporting and needs to be removed from my credit report immediately or furher action will be in pursuit per the Fair Credit Reporting Act.
Consumer complaint received 2023-07-21
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. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XX/XX/2023 Subject : Dispute of Late Payments on Credit Report and inaccurate information. 

Dear [ CFPB ] I am writing to dispute the late payments listed on my credit report for XXXX XXXX account number- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX account number XXXX. I have reviewed the information provided in my credit report, and I believe that these late payment entries are inaccurate and unjustly impacting my creditworthiness. 

You are in direct violation of the fair credit reporting act. I firmly believe that you will find these late payment entries to be incorrect.

15 U.S.C 1681 section 602 ( a ). Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Remove these late payments and update these accounts immediately as you are in direct violation of several laws under the Fair Credit Reporting Act ].

I trust that you will handle this matter promptly and with the utmost care. As per the Fair Credit Reporting Act ( FCRA ). Failure to address this dispute adequately within the prescribed timeframe will leave me no choice but to seek legal assistance and file a complaint with the appropriate regulatory bodies, as provided by the FCRA. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-20
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account name : XXXX XXXX Date : XXXX XXXX. Account name : XXXX Date : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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 2022-07-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I was told that they ( Equifax ) did a complete investigation including contacting the furnishers of the information. I would like proof showing that they contacted anyone and if they did why are they reporting incomplete information on my consumer report that's falsely reporting information on my consumer report and by law it has to be removed. My rights have been violated multiple times it states in 15 USC 1681s 2 ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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. 
So wheres the proof i gave you written instructions to furnish the data in the first place.And if you continue to report this account that is concidered willful noncompliance 15 USC 1681n ( A ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

On XX/XX/, I had to file an insurance claim on a tree falling onto my roof, it damaged my roof, siding and gutters. 

I end up not following up with the insurance claim since I was advised by family and friends that my premium for homeowner insurance will sky rocket. 

I called in XXXX of XXXX  to put myself on FEMA forbearance, realizing that I can no longer cover the mortgage on my own plus manage the roof repairs, siding repairs and gutter repairs. I was told that the forbearance was approved and I will be on their forbearance plan. 

I called back the servicer on XX/XX/XXXX  and was told I am off of forbearance since FEMA  is no longer supplying forbearance under the zip code. Before i spoke to a supervisor, the lady told me that they have no evidence of me calling back in on XXXX and I was on FEMA  forbearance since XXXX of XXXX  that I haven't receive any notice or acknowledgement about. Supervisor told me that there's absolutely nothing he can do to help me in regards of the FEMA forbearance.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NJ)

On XX/XX/2017 I changed my wireless mobile provider from XXXX XXXX to XXXX XXXX XXXX. When I left XXXX wireless my account was in good standing with {$0.00} balance owed. Several months later I received a bill from XXXX XXXX in the amount of over {$1200.00}. When I called XXXX XXXX and attempted to find out what this bill was for, no one could figure it out and stated to me they arent sure. I advised them that I was not sending any payment to them unless they can clearly explain to me what the bill was for, because I confirmed via telephone with a XXXX XXXX representative when I made my last billing cycle payment that there was absolutely nothing left else I owed ( hidden cost, termination fees, etc. ). But he insured me that there was nothing else. For a few more months I attempted on multiple phone calls to them over and over again to find what this bill was I received for more than {$1200.00} but every time, not a single person understood it and was not able to explain anything at all to me. Eventually they sent it to collections where it still remains and continues to hold my overall credit score down. After a few months of it being in collections I went to a local XXXX XXXX corporate store and went over the bill with a manager there, who was the first intelligent person to figure out what they were looking at and explained to me it looks like XXXX XXXX continued to bill monthly cycles under my account, even though the account was terminated the day I switched to XXXX XXXX XXXX. How do you bill Someone for months that isnt even no longer a customer? This is a huge mistake on XXXX part and because of their negligence, my credit has been severely damaged! I cant even talk to someone with XXXX XXXX to have them straighten it out since its there fault, because they told me they no longer hold the account, and that the collection agency ( Jefferson Capital ) now holds the information. And when I called Jefferson capital to notify them that they were sold a bogus account from XXXX XXXX, they advised me there is nothing they can do for me and just kept asking me how I want to pay it? I told them I was not paying anything because there was no debt in the first place. I need this matter to be deleted from my credit history and wiped clean immediately. This has been so unfair and has really caused a lot of headaches financially for me.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I lost my home through foreclosure because Wells Fargo would not refinance me with the loan modification program during the time I needed it I believe this was purposely done to make me lose my house and is part of the lawsuit against Wells Fargo. I would like help getting resolution from Wells Fargo for forcing me to foreclosure when I should have been able to save my home. They tried to force me to remove my ex wife from the mortgage before refinancing and she wouldn't sign so they wouldn't refinance.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (MA)

On XX/XX/XXXX, I opened a new account with Robinhood an online brokerage/high yield savings and checking account. Immediately after opening this account I had questions about where my money was being transferred to and held. It appears during the sign up process, I was under the impression it would be moved into the newly created Checking account, however it was instead moved into their brokerage account which was done on my behalf. After realizing I did this, I emailed their support team numerous times to clarify the transfer of funds. I did not get a response. The next day, I continued to reach out and have been doing so since, without a response from their team. I've emailed them numerous times and have attempted to call but got a voicemail recording that states to email customer support. 

I've reached out to the bank where the funds were being transferred from and they are unable to do anything because the transfer has already been initiated. 

I am at risk of losing a significant amount of money and have no recourse to understand where it is and how to get it back. I am seeking your assistance to rectify this situation and return my funds back to my original account.