davidheineman/consumer-finance-complaints-large huggingface dataset:
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: GVA Holdings, LLC (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) XXXX 


The inaccurate reporting of both my account status and payment status by ISLAND FINAN Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION (MA)

Made XXXX principal payments on account on XXXX XXXX and XXXX XXXX and both payments simply were not processed nor applied to balance. 
When I inquired I spoke to M & T XXXX XXXX and he explained it XXXX take a couple of days to get an answer. Well after XXXX days I never did get an answer. 
As of today, XX/XX/2024 XXXX payments for {$XXXX} each, which I have receipts for have not been applied to balance No one seems to know where they went and no one seems to want to give me any answers.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (KS)

Made phone calls and discussed about the late fees and told me that if I make payment they will refund me the late fee.But they didn't. So I called again asked what happened and they told me it is denied for refund the fees. 
They give me wrong information for just wanted me make payment right away.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I dont even use the app CashApp. But somehow XXXX dollars was sent from my bank using my cashapp account because my card is linked to it. Ive contacted cashapp customer support but no response. I dont know if this is fraud, or a hacker or what. But it is a big deal, Ive frozen my cards but I need to get that XXXX dollars back.
Consumer complaint received 2024-10-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (LA)

See attached pdf file from documented record of conversation, XX/XX/year>. 

Primarily filing this complaint because the company previous track record of deception at inception of loan ; regarding bimonthly automatic payments that company indicated would be done in closing, and later recanted their statements. And the inconsistencies in information sent through email yesterday, and representative discussion that company couldn't do escrow analysis, after waiver was processed. Had received two emails from Rocket Mortgage, one for auto pay, and other for payment confirmation. They both stated in red, " Closed Mortgage ''. 

Ergo, reason stated not process. Yet it was as if, representative didn't hear. Although XXXX, was very helpful, think maybe the XXXX XXXX have was once again a factor.
Consumer complaint received 2024-10-01
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: Cascade CISS Holdings, LLC (WV)

I have been trying for a few months now to get an inaccurate hard pull credit inquiry off of my reports. I have never heard of the company, nor have I needed a mortgage in the recent past. The company sent me a form letter back with a print out of some internal emails that they claim validate the inquiry. 
Once again, this is not something that I initiated or was interested in. In short, they either have my information in error, or somebody called in and stole my identity. 
Regardless, it needs removed ASAP.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2016-01-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC (WI)

The company deducts interest from partial principal payments when paying scheduled installment payments. 

The company does not have a means for consumers to make payments to principal balance only. 

The company does not honor its loan agreement. The loan agreement clearly states partial principal payments will not incurred interest ... .Please see attached loan agreement
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Recently, I did an investigation on my credit report and 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. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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 ( i ) 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
Consumer complaint received 2024-10-01
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: Southern Auto Finance Co (CA)

The response to my last dispute with company didn't resolve the issue at hand, I never claimed that the account wasn't mines therefore no police report was required, but what was sent to you and the company is that I was a victim of XXXX XXXX XXXX XXXX and was manipulated and forced to purchase this vehicle under duress, I was forced to do many things that weren't in my control, I sent supporting documents from the agency who helped me and still assisting me with getting my life back in order. 
Safco Financial account number XXXX has violated my rights as a victim of XXXX XXXX under 22 U.S.C. {$7100.00} ( 11 ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142 ( see attached rule ). They didn't take precautionary measures to assist me with this situation and disregarded the laws altogether. 
This is not acceptable and I am requesting once again for CFPB complaint XXXX to be reviewed again and taking care of immediately, the law states you have 15 days to correct this issue. If I don't hear in a timely manner I will be consulting with an attorney.
Consumer complaint received 2015-07-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

I attempted to get my house refinanced with Chase Bank. After speaking with XXXX XXXX NMLS ID XXXX, he informed me everything looked great! My credit was excellent, my income and assets were great! After initially telling me the loan was approved, Chase quickly realized it was n't in their best interest to approve the loan, because the interest rate would have declined almost XXXX points. 

XXXX was very reluctant to do any email communications, instead he wanted to discuss the issue over the phone. I own XXXX businesses which are XXXX 's, which basically flows all income through my personal income tax. XXXX knew this up front and it did n't seem to be an issue. I was able to show XXXX over $ XXXX in liquid and I make over $ XXXX a year. My credit score is XXXX. 

When it came closer to the closing, XXXX informed me that Chase could not refinance my mortgage and gave me the following excuse as to why they could n't : '' The guideline states that we can not use business account money for the cash needed on the refinance. XXXX statements have your name of the business and can not be used. 
The only way if you wish to continue with the approval process, is if you can provide me with 2 months bank statements with all pages with just your name on it that can support $ XXXX. " Please note Section 37.13 ( b ) of XXXX Guidelines. 

Since LLC income flows through my personal income tax, I did n't see how this should be an issue, it was simply a matter of me transferring the money to my personal account. But, to circumvent me doing so, he wanted to make sure the money was in my personal account for 2-3 months prior. Since I bank and have all of my business accounts with Chase, they know my banking history and where all my money is located. 

Please have someone look into this issue. I do n't see any reason Chase would have denied my refinance claim. Furthermore, Chase agreed to return the {$570.00} back to me, but I still have n't received that back either. 

Regards,
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

I am in the process of getting vetted for a teller position at my town 's bank. I 'm in the background check part of the process and received a copy of my background report. On it under public record it lists a case I have no knowledge of and belonging to another family member. I would like this removed immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX| noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau XXXX and they continuously report this fraudulent account to my credit report. 

XXXX # XXXX XXXX to this fraudulent account reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Consumer complaint received 2024-09-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

THIS IS FRAUD NEVER LIVED HERE I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT OWE XXXX XXXX XXXX NOTHING FRAUD FRAUD FRAUD [ PLEASE REMOVE
Consumer complaint received 2024-09-16
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: EQUIFAX, INC. (SC)

I have identified several discrepancies in how the following accounts are being reported on my credit report across multiple credit bureaus. These discrepancies violate fair credit reporting practices as outlined by the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

For XXXX XXXX XXXX XXXX. ( XXXX Credit Card ) : There was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ), which requires a notice of dispute to be communicated when an account is disputed by the consumer.

The payment history is inconsistent across the three credit bureaus, violating FCRA Section 607 ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported. 
The account has been re-aged, with inconsistent late payment dates across XXXX, XXXX, and Equifax, violating FCRA Section 605 ( c ), which sets limits on the re-aging of accounts and the time frame in which negative information can be reported. 
For XXXX XXXX XXXX XXXX ( XXXX Credit Card ) : The account has been re-aged, violating FCRA Section 605 ( c ), which restricts the re-aging of accounts.

There are inconsistencies in the payment history across the credit bureaus, violating FCRA Section 607 ( b ).

The credit limit and high credit amounts reported vary across XXXX, XXXX, and Equifax, also violating FCRA Section 607 ( b ) regarding accuracy of information.

I request that the CFPB investigate these reporting discrepancies and work with the credit bureaus and furnishers to correct the inaccuracies. I also ask for re-investigation of the accounts, proper notification of disputes to all three credit bureaus, and an update of the payment history, credit limit, and high credit balance to accurately reflect my account history. 

Please find attached copies of my credit reports from XXXX, XXXX, and Equifax highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.
Consumer complaint received 2024-09-16
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. (SC)

I have identified several discrepancies in how the following accounts are being reported on my credit report across multiple credit bureaus. These discrepancies violate fair credit reporting practices as outlined by the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

For XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ) : There was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ), which requires a notice of dispute to be communicated when an account is disputed by the consumer.

The payment history is inconsistent across the three credit bureaus, violating FCRA Section 607 ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported.

The account has been re-aged, with inconsistent late payment dates across Experian, XXXX, and XXXX, violating FCRA Section 605 ( c ), which sets limits on the re-aging of accounts and the time frame in which negative information can be reported. 
For XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) : The account has been re-aged, violating FCRA Section 605 ( c ), which restricts the re-aging of accounts.

There are inconsistencies in the payment history across the credit bureaus, violating FCRA Section 607 ( b ).

The credit limit and high credit amounts reported vary across Experian, XXXX, and XXXX, also violating FCRA Section 607 ( b ) regarding accuracy of information. 
For XXXX XXXX XXXX XXXX XXXX XXXX : There was no notice of dispute for XXXX and Experian, in violation of FCRA Section 623 ( a ) ( 3 ). 
I request that the CFPB investigate these reporting discrepancies and work with the credit bureaus and furnishers to correct the inaccuracies. I also ask for re-investigation of the accounts, proper notification of disputes to all three credit bureaus, and an update of the payment history, credit limit, and high credit balance to accurately reflect my account history. 

Please find attached copies of my credit reports from Experian, XXXX, and XXXX highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION (GA)

Good Day CFPB Team!

I was on the Navy Federal website seen the advertisement : Proof Attached " Navy Federal Credit Union https : //www.navyfederal.org ... Credit & Debt See If You're Prequalified Before You Apply. Navy Federal members can see if they qualify for a card without any impact to their credit score. Apply for your...

Navy Federal Credit Card Pre-Qualification '' After applying it pulled a hard inquiring which according to the website it promised it prequalify you prior to doing that.

Therefore, its false advertisement and I'm requesting for the removal of this inquiry. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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: Experian Information Solutions Inc. (FL)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were XXXX  % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than XXXX days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Consumer complaint received 2024-10-01
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: AMERICAN EXPRESS COMPANY (NY)

American Express is illegibly billing me for several transactions for which I have not engaged or authorized. I have provided them with both online and direct written notice sent via mail timely regarding this. However, American Express believes they are above the law and seem to believe they know better. They have now twice ignored my notices and informed me that they believe the transactions are valid when in fact they are not valid and i have never engaged in these charges. American Express should be investigated for their unlawful practices and for making me waste my time for no dam reason. Under regulation XXXX & Z they have no right to harm me and thereby also harming their own company including its investors which includes myself. They apparently have some ill trained personal with very bad and poor practices. please see my detailed letters attached.