davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MORTGAGE SOLUTIONS OF COLORADO (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  regarding the inaccurate reporting of my mortgage payments. I have discovered that the company has falsely reported three late payments on my account, which is negatively impacting my credit report. I wish to dispute these inaccuracies and request your assistance in resolving this matter. 
Specifically : 1. I made my mortgage payment for XX/XX/year>, on time, and it was successfully processed with the trace number XXXX. I have bank statements that reflect this timely payment, which I can provide upon request. 
2. The mortgage company has also falsely reported my XX/XX/XXXX payment as late, which is not true. I made this payment on time as well. 
3. Despite these on-time payments, XXXX XXXX has erroneously reported them as late to credit bureaus. 
4. Additionally, the company has falsely reported one other payment as late, although I believe all my payments have been made on time. 
In light of these inaccuracies, I am requesting the following actions : 1. That XXXX Cares immediately remove all incorrect late payment reports from my credit report, including but not limited to the false reports for XX/XX/XXXX and XX/XX/XXXX. 
2. That any late fees or penalties incorrectly applied to my account be credited back to me. 
3. That XXXX Cares conduct a thorough review of my account to identify and retract any other false late payment reports that may have been made to credit bureaus. 
4. That XXXX Cares provide written confirmation once these issues have been resolved. 
I have already contacted XXXX Cares directly about this matter, providing them with evidence of my on-time payments. However, I am seeking your intervention to ensure that this situation is resolved promptly and that my rights as a consumer are protected. 
It is crucial that my credit history accurately reflects my payment status. The current inaccuracies are causing undue harm to my credit score and could potentially impact my financial wellbeing. 
I would greatly appreciate your assistance in investigating this matter and ensuring that XXXX Cares takes the necessary corrective actions. Please keep me informed of any developments regarding this complaint. 
Thank you for your attention to this serious matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PR)

On XXXX XXXX after getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card since XXXX belonging to my husband. I have a card in my name so I called XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XXXX XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX actually reports to the three CRA 's so I should have all three credit scores since XXXX.
Consumer complaint received 2024-08-24
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. (IL)

this is my follow up complaint..Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX XXXX Balance {$0.00}
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (SC)

First, let me start off by saying that i have XXXX or more credit cards and my mortgage with Chase. Chase Amazon credit card was paid in XXXX of 2015. In XXXX of 2015 i have a 30 to 60 day late pay on my credit report dropping my score from XXXX to XXXX. Shocked! I logged into equifax to find that my Chase Amazon card was reflecting a past due {$7.00} amount. Called and paid it immediately and then contacted chase. I had never recieved a bill from chase, let alone a " past due '' one. Never recieved a call. Spoke to Chase and they stated that they sent mail and send emails. I clearly put on my original application that primary method of contact was by phone. One chase employee said they did call. When i asked for dates and times she said, " i apologize, we didnt call you and it looks like the amount due was interest after the payment in XXXX. '' I spoke to another employee of chase and she said that, yes, we did call you, asked for dates and she gave me XXXX XXXX at XXXX and XXXX. My question to her was, that was after i called and made the last payment and why would they all of a sudden call then. I also asked her why the back to back call. CLEARLY, no call was ever placed to me. While speaking to ANOTHER employee i ask " did i not get called due to the amount being only {$7.00}? '' The employee told me that was possibility. This is clearly not only fair, unreasonable, but unethical. I am requesting that the late payment be removed immediately. I will not let this go. I have worked hard for my credit and for something like this to hurt it for 7 years is unacceptable. I will not stop until this is resolved.
Consumer complaint received 2016-04-20
Product: Prepaid card — Other special purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX/XXXX/16, I used my card at a Chase bank ATM to withdrawal {$500.00} from my card. I received a receipt that says " transaction denied '' and did not receive the {$500.00} I requested. I then went to a XXXX XXXX ATM and was able to withdrawal {$500.00} twice, for a total of {$1000.00}. 
I checked my account balance on XXXX/XXXX/16 and saw that the {$500.00} that I did not receive was deducted from my account. I contacted customer service and submitted an oral dispute claim. I was instructed to fax a written statement within XXXX business days and was given a reference number. On XXXX/XXXX/16, I faxed this written statement to the number provided. On XXXX/XXXX/16, I contacted customer service to check on the status of the dispute. I was told they had no information for me and they could not confirm or deny receipt of my faxed statement. I asked to speak to someone else and was told I could not and I had to wait the 10 business days first. I decided to refax my written statement, just in case, and did so on XXXX/XXXX/16. 
On XXXX/XXXX/16, I contacted customer service again, as this was the 10th business day and I did not have a provisional credit in my account. I was told by customer service that my account stated I would receive provisional credit on XXXX/XXXX/16, if they received my faxed written statement. I communicated that I had faxed this written statement twice and confirmed the correct fax number. After being put on hold for several minutes, I was told they did n't have it and I would not receive provisional credit until they received it. I referenced Regulation E, which states that the company is required to provide provisional credit within 10 business days of receiving the oral complaint, regardless of their requirement of written documentation. The customer service representative told me she would forward the information to her supervisor, XXXX. I informed her that I would be contacting consumer finance if I did n't have the credit in my account, which to date, I do not.
Consumer complaint received 2024-08-18
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. (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (AK)

Hello, On XX/XX/XXXX, I received an alert that my credit score changed, so when I logged into my XXXX XXXX account, I saw that my score had dropped XXXX points. I thought that was strange, so when I looked at what happened, it said that I had a change in debt. I looked at all my " debt '' and it had nearly doubled. I thought that was extremely strange and the worst possibility was that I potentially had identity theft. I checked to see the debt I had and quickly realized that nearly all of my student loans had been listed on my XXXX report twice. My other credit score for XXXX was unchanged. XXXX XXXX lists 8 new MOHELA/DOFED accounts detected. I've had the same student loans since XXXX when I graduated, but my account says there are 8 new accounts open since XX/XX/XXXX. I know there are issues with the litigations going on, but my loans were placed in forbearance and are still in forbearance. I'm complaining because MOHELA has been difficult to work with in the past, and I'd like to start a formal paper trail for this occurrence. I'm also not sure if the issue is XXXX, but I want to get to the bottom of this. 

Checking my FEDERAL STUDENT AID account, I owe {$24000.00} in student loans, which is accurate. I took out the maximum federal loans for my XXXX XXXX. I earned an XXXX award in XXXX and paid off a little over {$6000.00} on a XXXX XXXX. One loan was paid off ( about {$1800.00} ) before I XXXX XXXX in XXXX. My XXXX credit report now says I owe {$49000.00}. That's nearly double my actual student loan amount. I have not taken out any other student loans, nor have my loans had enough time to double in interest, as it is only XXXX and they've been at 0 % interest for a few years since XXXX. Also, they're federal loans, so the rates were already around only 5-7 %. ( I'm just stating the obvious ). I am going to work on disputing the duplicity, but again, I want to document this egregious and ridiculous error.
Consumer complaint received 2024-08-18
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. (WA)

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 U.S.C 1609. 
Accounts : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A steaks 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.

15 U.S.C. 16 81 c ( 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 mandates the report by more than XXXX  years. 
15 U.S.C. 1681 S 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (LA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

CFPB, I noticed on my consumer report there's 9 addresses that are listed on my report that I never lived at. I tried to take care of this matter with Equifax on nommorous occasions and I'm not happy about this.
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (SC)

" 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 XXXX XXXX XXXX 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 ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 2024-09-06
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. (PA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NC)

I purchased an Apple laptop through Apples online store. To pay for the purchase, I used my Apple Credit card, underwritten by Goldman Sachs. The Apple credit card allowed me to split the purchase into 12 monthly payments, with the first payment of {$85.00} due upon checkout. 

There was also an ongoing promotion for consumers to receive a {$150.00} Apple Store gift card with their purchase ( the cost of which was rolled into the price of the device so that if consumers returned the product, they would not receive a refund for the gift card portion but rather would keep the gift card ). 

I was one of the consumers who ultimately decided to return the device because it was insufficient for my use case. Once the device was returned, the Apple Store refunded the purchase amount equal to the remaining installments balance ; however, the initial payment completed at checkout was not refunded, nor the {$150.00} charge included for the gift card promo. Which normally would have been fine, except for the fact that the gift card I received was voided and no longer available for use. I have asked the Apple store to provide evidence that the gift card is either still active or a record of the gift card being used ; Ive also asked them to provide me the details of the gift card so that I can use it ; however, those requests have gone unanswered, yet the charge remains on the account.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following information in my credit file due to being a victim of identity theft. 


These items ( inquiries ) from : XXXX date XX/XX/year>XXXX XXXX XXXX date XXXX, XXXX XXXX  date XX/XX/year> XXXX ( personal loan accounts ) XXXX XXXX date XX/XX/year> amount {$49000.00} XXXXXXXX XXXX XXXX account # XXXX is inaccurate because I have not authorized nor consented these institutions to run a credit check on me or open new accounts. as well I am victim of identity theft, I am requesting that these items be removed. Per the FCRA 605 B 15 USC 1681c-2, If I didn't give authorization for these companies to run my credit or consent for these accounts it is the responsibility of the credit bureau to remove these inaccuracies from my credit file.