davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

Note For CFPB rep : Although this complaint is the same as a prior complaint, I am including new information for Experian. Due to the fact that Experian is not required to respond to a Disputed CFPB case and the dispute does not allow for the upload of additional information I ask that you please process this as a new CFPB complaint. Thank You. 

For Experian : On XXXX/XXXX/2015 I submitted a CFPB complaint with Experian, hoping it would lead to an " Executive Investigation '' rather than the typical investigation submitted through their regular channel as it is highly ineffective. My hope when submitting this " Executive Complaint '' was that I would be connected with a direct experian case agent who would actually do their homework, and call the creditor in order to verify the claim that I made was accurate and correct my information as required by the FCRA. Unfortunately this was too much to ask for from experian as experian did the exact same thing they did when I submitted a complaint through the regular channel, absolutely nothing. In fact it was worse than nothing. Instead of verifying my claim with the creditor, they instead chose to take time out of their day to respond to my complaint by accusing me of making up false data and submitting documentation from " Some Law Firm '' as they put it in their response. If they would have called either " XXXX '' at ( XXXX ) XXXX or " XXXX XXXX XXXX '' at ( XXXX ) XXXX They would have seen that it was not a made up document, but a verifiable legal document issued by the attorney representing the creditor. Since picking up the phone is apparently too much work for experian, I took the liberty of doing their homework for them. I have attached a document written by XXXX. XXXX XXXX, Director of the Student Loan Program for the New Jersey XXXX ( the Creditor ) stating that the loan has been paid off in full. I have also attached a previous document from XXXX which states the specific reason the payoff amount is higher than the amount listed with experian which is the reason i 'm assuming is the direct cause of experian taking the stance that the attorney payoff letter is not a " valid '' document. ( experian 's credit record does not account for the attorney fees. ) If experian wishes to verify the information for themself. They can contact Ms.Gervasio at XXXX or contact XXXX at ( XXXX ) XXXX ( which is the number listed on XXXX 's webite ) and ask to be transferred to XXXX XXXX to verify the information I am reporting is correct. 
I just checked my credit report with Experian last week, and they are again incorrectly reporting that I paid {$0.00} for the month of XXXX 2015. 
I have the documentation for a small claims lawsuit filled out for the amount of {$1000.00} in full at this point in time. If experian chooses to respond with anything other than " We have contacted XXXX and have corrected the information accordingly '' I will be sending out the lawsuit and will gladly collect the {$1000.00}.
Consumer complaint received 2024-08-16
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. (CA)

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.

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 2021-04-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TX)

On XXXX on Cash App $ XXXX which is XXXX XXXX he paid me XXXX dollars at XXXXXXXX XXXX at XXXXXXXX XXXX My wife and I went inside to the ATM at XXXX XXXX XXXX XXXX XXXX XXXX TX. We tried pulling out XXXX it said that was to much try a lower amount so then we tried XXXX was declined then tried XXXX declined so then I thought maybe tried using the wrong pin number so tried my other pin number then it was declined again for wrong pin number that time. I then went pulled up my account on cash app and then it should I received XXXX dollars that I never received I went back into the bank and said something showing my receipt where it shows all transaction were diened she said have to call cash ap which I did and everyday have been reporting this error and uploaded the receipt which shows all three transactions of XXXX, XXXX and another XXXX all declined with time stamp of XXXXXXXX XXXX on XX/XX/2021. No body seems to be even trying to fix this problem at all. 
XXXX XXXX XXXX
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

The money that was on my cash app was for my mother over {$1000.00} is missing I want my money for my mom she just had XXXX XXXX cash app did not care nor did they try to even come to a resolution please help me so I can help my
Consumer complaint received 2020-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (TX)

On XX/XX/XXXX my hardship due to covid 19 has affected my work life. 

To avoid missed payments a claim was filled with my mortgage servicer of my loan, The Money Source Inc. for forebearance as allowed per the CARES Act. 

A return email letter states I have to provide finance information, which is NOT required and a violation according to the CARES Act.
Consumer complaint received 2020-06-23
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$320.00} XXXX  XXXX {$490.00} XXXX  XXXX {$5500.00} XXXX XXXX {$700.00} XXXX XXXX {$1000.00}
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: Experian Information Solutions Inc. (CA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

ACCOUNT : XXXX XXXX XXXX Account number : XXXX Amount : {$420.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$23000.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$21000.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$28000.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (GA)

We closed a refinance on our primary home mortgage with Wyndham capital mortgage on XX/XX/XXXX. {$260000.00} + was wired on XX/XX/XXXX to refi into a conforming product with Wyndham capital. Refinance was to have funded on XX/XX/XXXX per the closing documents. As of today XX/XX/XXXX our existing Jumbo mortgage with XXXX XXXX  XXXX has not been paid off. Wyndham capital has held our funds for seven days and has failed to fulfill the term of the signed closing documents. They are unscrupulous and owe us interest for holding our funds.
Consumer complaint received 2020-06-24
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. (CA)

I was trying to finance some phones at XXXX XXXX but when they ran my credit I was not approved to finance because there are accounts in negative standing appearing on my credit. I had no idea there were accounts with negative history on my credit report because those accounts are not mine. I didn't open those accounts nor have I ever signed any contract with those companies. The companies where the accounts were opened are XXXX XXXX and XXXX XXXX. I did not allow anyone to open these accounts in my name with my personal information nor did I benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report regarding these accounts that I did not authorize.
Consumer complaint received 2024-10-21
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. (IA)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$29000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$180.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$170.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1400.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-12-04
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: Westlake Services, LLC (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, dit open end consumer credit plan as late for purpose.
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

On XX/XX/2020, I tried to transfer an amount of USD to my bank account from my PayPal account, and the transaction amount returned to my PayPal account About two days later, I received notification that my transfer had been denied, and my bank account deleted from PayPal. No explanation as to why. Moreover, I have used this bank account before for identical transactions without a problem. 

I contacted the customer service shortly after ( I can not remember the exact date ), where I had online contact with a PayPal customer service assistant, XXXX XXXX, who eventually told me my bank account had been blacklisted by PayPal 's security unit. Again, no explanation as to why. My request for further contact with and action from the assistant has been ignored. 

On XX/XX/2020, I tried to transfer the amount to my wife 's bank account ( same bank ), which has likewise been denied. After the denial of my first transfer, I contacted my bank to enquire about possible reasons. They professed ignorance as to the reason for denial. The bank confirmed that all my information was correct with no irregularities.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (TX)

this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease.
Consumer complaint received 2024-11-19
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd 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 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc. (MD)

We have a short sale essentially completed for this property. Note has not been paid for 7+ years. Judicial foreclosure proceeding is well advanced. Borrower has no assets and is essentially judgment proof and strongly considering bankruptcy and has retained a bk attorney. The first lien has approved {$12000.00} for Real Time Resolutions as the second lien holder under the HAFA program, per program guidelines. We are not getting anywhere with the RTR contact person, and need a deficiency waiver and approval letter for the {$12000.00}. They are refusing to budge off of {$40000.00}. We do n't need all of this to be so difficult. We feel it is a breach of their commercial duty of good faith and fair dealing to demand more money than what the industry has routinely accepted for XXXX liens. Please help.
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent transunion 3 different letters on 3 different occasions about a couple of things that are on my report reporting incorrectly that should not be there. I ve repeatedly asked them on several occasions to either show the accounts as simply delete them all together. Ive asked them to provide me with documentation on how these accounts are showing this information and they haven't provided me with one shred of evidence. They say they got the chapter XXXX bankruptcy information from my lexis nexus account but that account is frozen. Therefore that is false information. The court that they also said I'm bankrupt threw said they do not give out information to credit bureaus at all so how are they getting this information to put on my profile? If this is not resolved in timely manner I will be taking legal action. 

the accounts are as followed Chapter XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-08-12
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. (KS)

Experian not only leaked my information but also Items being placed upon credit report despite a credit freeze and fraud alert on the account. No attempts to contact me to verify the information. Unable to speak to a representative to place a dispute against invalid information. I have had no difficulties with other agencies, only this one. 

XXXX XXXX XXXX is a disputed account. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX is not now nor has ever been my address. 

My current mailing address Since XX/XX/XXXX XXXX Past 19 Years ) is XXXX XXXX XXXX, XXXX KS XXXX and is still correct. 

Physical address of XXXX XXXX ( or XXXX XXXX XXXX, XXXX KS XXXX has been my address since XX/XX/XXXX. 

Physical Address of XXXX XXXX XXXX XXXX, KS XXXX from XX/XX/XXXX to XX/XX/XXXXXX/XX/2007
Consumer complaint received 2024-10-20
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. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( 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, Experian, 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 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : 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 XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXXXXXX ) 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 2020-06-23
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 — Their investigation did not fix an error on your report
Company: Synovus Bank (GA)

Synovus Bank of XXXX GA is fraudulently reporting that I have a credit card with them that has gone into settlement as of XX/XX/XXXX. They reported that I've been late since XXXX of XXXX. I opened a Synovus credit card in XXXX which was closed and went in settlement and was legally settled over 10 years ago. They have now just put it back on my credit file as if I just settled the account. I've called and spoken with the credit department and they admitted fault but will not respond back any longer to my calls nor will they remove. There are several recorded calls of me talking with them and their admitting to get the matter resolved. It is my suspecting there is someone in the company fraudently hiding or stealing money and looking to see who has old settled accounts and filing that as renewed bad debt with the IRS. I disputed the errors to XXXX  and called and spoken with one of their supervisors who also recognizes Synovus error. They have the phone calls recorded too but no one has taken action to remove fraudulent reporting. Both parties are responsible for poor consumer practices and have total disregard for one 's credit well-being.
Consumer complaint received 2020-06-25
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: ALLY FINANCIAL INC. (CA)

I am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also Ally Bank.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.
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: Experian Information Solutions Inc. (PA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (PA)

I was paid {$4000.00} by my sister. The payment automatically went to an old account. In order to access the account cashapp is requesting the security code of a debit card that I no longer have. I have contacted them multiple times to try to obtain access to the account. 

Their response has been to send me an email asking for certain account information. I have received the email 4 times from four different bots but have still not had my account issue resolved. I have attempted to speak to an actual person 4 times, but they continuously point you back to the emails which do not give you a response.