davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-18
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. (SC)

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. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5900.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX - XXXX - XX/XX/XXXX - {$11000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2023-07-07
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: CLGF Holdco 1, LLC (ID)

I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX A ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXXXXXX Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX  XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-07-08
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)

This is my 2nd attempt in sending a CFPB Complaint and it has come to my attention that the three Credit Bureaus have unlawfully disclosed my personal and private information to unauthorized third parties. The fact is, I would like to file a case against the 3 credit bureaus for violations of the FCRA Section 605b. I demand an immediate investigation into these violations and appropriate remedies as per ther law. Please help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX BANK Opened XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX BANK Opened XXXX XXXX, XXXX XXXX Balance : {$1500.00} ; CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (TX)

My name is XXXX XXXX and I'm not filling this claim in the 3rd person. I am a living woman whose privacy rights have been violated. The accounts listed below have reporting to my personal reports and have had a negative effect on my life extremely reducing the ability to obtain any credit in my name. 

XXXX XXXX XXXX XXXXXXXX - {$11000.00} Collections : XXXX XXXX XXXX - XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report on ( Date ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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. Some of these accounts have no number and are just listed on my reports as XXXX 's. This is absurd. 

I have these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far they have not done this.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

Under 15 USC 1681, this is defamation of my character including that I am trying to purchase a home. Additionally, I havent gotten my remedy or response for the past 90 days.
Consumer complaint received 2023-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

I'd been through a few trial modifications on my loan which were all honored and completed. One starting around XX/XX/XXXX through XX/XX/XXXX for an amount of around {$600.00}. However at the end of the trial, I'd attempt to resume normal monthly payments by calling to pay online, and the automated system would no longer allow or accept payment. When speaking with an agent, then Supervisor, there was always an excuse as to why I could not continue with normal monthly mortgage payments. Reasons like your paperwork was not received in time or our company guidelines do not allow for us to accept the modification. I'd reapply and start the process all over. I'd applied for Mortgage Assistance through XXXX in XXXX, and after reviewing my mortgage statement the XXXX agent recommended reaching out to Consumer Protection because something appeared unreasonable or unlawful about the loan. During this time the Mortgage company allowed for another trial for a three month period which started XXXX of XXXX through XX/XX/XXXX for the amount of XXXX this trial was completed successfully as well, But, to no avail, the same outcome. I could not proceed with normal monthly payments. This time, the excuse was that my paperwork or application was signed with the wrong signature. My name on the loan is my maiden name and I'd signed the documents the same way I'd signed all documents sent, with my maiden /married name. I reached out again and again to the Mortgage Company speaking with several agents and Supervisors. Advised to reapply again and during the process this time was prematurely put into foreclosure with a sale date of XX/XX/XXXX. This was cancelled per my loan was in loss mitigation.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Equifax has the wrong name listed on my credit report it should be XXXX XXXX not XXXX XXXX XXXX. Middle name should be removed. 

XXXX has two wrong addresses that should be deleted XXXX XXXX XXXX XXXX XXXX, Illinois XXXX should be removed and XXXX XXXX XXXX XXXX, Illinois should be removed. 

Equifax has the wrong address and should be deleted XXXX XXXX XXXX XXXX XXXX, Illnois XXXX. 

The employer is also reporting incorrectly and should be changed to XXXX XXXX XXXX for Equifax, XXXX and XXXX.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I applied for a credit card at Wells Fargo that was approved and through the process I was asked if I wanted to do a balance transfer and I did, they asked for the account number of the account that I wanted to do the balance transfer from after that the information was submitted and I waited 17 days called multiple time getting different information every time I called after that a balance was placed in my account from an unknown account from macys that is not related to me I started a complaint of fraud where Wells Fargo processes a refund and opened an investigation according to the fraud department they were able to match my information to the account with macys and that the case was closed I proceeded to call multiple times to verify what information was obtained throughout this investigation but they said that they didnt have an account or any information they can share with me at all they continue to say they are unable to see who they paid all they know is that the information is correct I was never given any information from Wells Fargo about who will have access to my information and why is it so easy for someone to add funds to someones account with out so much as confirming basic information, Wells Fargo does not provide any valid information regarding this at all.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (TN)

I have a paypal credit account and I used it to purchase three eyeglass frames from XXXX. When the order was delivered I advised the company that I did not receive it nor did I sign for it. The company would not help me so I turned to my credit card company Synchrony Bank for assistance and they would not help me with the issue cause it showed a signature I still advised them that it wasnt me. 

I disputed several times up until last month where I provided a letter from the post office indicating that the carrier sign on my behalf because of Covid 19 protocol and left the package and they would not reinvestigate my claim
Consumer complaint received 2020-05-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (MI)

Over {$23000.00} stolen from Cashapp with no explanation or response to any of my support requests. This is unbelievable! I am a XXXX XXXX I run a XXXX XXXX there is no fraud nothing suspicious. They haven't answered ever. Not once. Why did you refund the unemployment benefits why wont you answer via cashapp support, email, XXXX, XXXX? This is the most insane life ruining thing you can do to someone and not have a phone number to call. I'm so angry you can't even imagine.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Dear CFBP, I am writing this letter out of extreme desperation, My name is XXXX XXXX owner of XXXX XXXX XXXX. We are a construction XXXX primarily specializing in healthcare facilities. We were awarded a restoration project for a medical facility in XXXX XXXXXXXX, TX. We were issued a check of {$50000.00} as a 40 % deposit to begin work, pay our labor, and purchase materials. The insurance adjusteXXXX for XXXX ( insurance company for hospital ) was whom we were in contact with and who mailed the check to us. On XX/XX/XXXX we went to Chase bank located at : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX My business partner opened a business checking account and deposited the check sent to us. They told my business partner that I had to be present as well to open the business checking account but they would still begin processing the check. The next day XX/XX/XXXX I went to the branch, brought ID and signed off on the account as well. We were told it would take 3-5 days to clear the check. The following Monday XX/XX/XXXX my business partner received a call from branch manager claiming that they were going to put a freeze on the account due to the check being made out to XXXX XXXX instead of XXXX XXXX XXXX the name as it appears on our LLC. We figured it would not be a big deal and reached out to the Insurance provider for the hospital XXXX to verify the check, however Chase claims that since the check says only XXXX XXXX ( name of the company who owns hospital ) that they would need to get in touch with someone from XXXX XXXX since thats what it says on the check and so the insurance adjuster provided all documentation that he could to verify it, but XXXX back office claimed that they need a phone number that matched in their system for the check issuer ( XXXX XXXX ) to verify it. We tried to explain that this is an insurance claim and that even though the check says XXXX XXXX as the issuer it was XXXX who made the check out to us on the behalf of XXXX XXXX. Chase still keeps claiming they need a phone number that matches in their system for XXXX XXXX and will not do anything besides matching phone numbers in there obviously outdated system to verify this check. They have now closed our account and refuse to even return the check to the issuer because they claim it has been processed and cleared. We are in a huge financial burden as of now as me and my partner have scraped up our personal funds to keep the project going. this is now going on a month and we have no resolution from Chase. please help We were contacted by Chases executive team rep and provided him with a point of contact that would verify the check was supposed to be made out to us. XXXX XXXX XXXX and he was able to verify the check with Chases executive team I even have a email saying the branch manager had confirmed the check has indeed been verified and Chase is not answering our phone calls or providing us with any updates. They are still holding our funds
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Affirm Holdings, Inc (NY)

In XX/XX/XXXX, I purchased tickets for XXXX festival using Affirm, which is a virtual loan service. The total cost was {$720.00}. The festival was to take place XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, a week before the festival, the whole festival was cancelled. I have been reaching out to XXXX for months to no avail. XXXX has not responded to any outreach about refunds. On XX/XX/XXXX, I received an automated email from XXXX stating that if I do not receive my refund from them within 90 days, that the credit card company can process the refund. I have been going back and forth with Affirm for months now. It is way past the 90 day mark and they are still refusing to refund me. Affirm is telling me that since I did not dispute within 120 days, they cant help me. I keep asking them how was I supposed to dispute it within 120 days when the purchase was made in XXXX, and the festival wasnt cancelled until the end of XXXX. Even after I let Affirm know that the festival was cancelled, I still had to pay the remainder of the balance for the tickets. This is a lot of money and I should not lose it due to something that is completely out of my control.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (RI)

I opened an account with Marcus in early XXXX. I had an unexpected bill come and tried to withdraw money to my checking to pay for my daughters birth bill. They told me I couldnt and were extremely rude on the phone. I instructed them I want to close my account in the second week of XXXX. I was then called back and told I couldnt close my account nor get my money. I was transferred to a supervisor and was given a confirmation number and everything. The supervisor apologized, but they still did nothing. Fast forward to today and I still have no update on my account being closed, they locked my account, and still have not given me any information on when the account would be closed. I was giving seven to ten business days which passed a long time ago. I call everyday and they STILL said they had no update. Absolutely unacceptable when I have a considerable amount of money in the account. Something needs to be done, going a month and half without any information is not okay. A bank should not be allowed to hold your money hostage when a customer request the account to be closed. I have no avenue to get my money which I think seems highly illegal. The banks name is Marcus but is owned and ran by Goldman Sachs.
Consumer complaint received 2023-07-07
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. XXXX XXXXCODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete From My CREDIT REPORT 8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 ADMINISTRAIVE XXXX XXXX  Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-07
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. (CA)

Transunion won't remove negative items from my report, I called several times and provided documentations, yet I keep getting the same answer we verified but won't explain how. I was informed that Items will remain on my credit report for 7 years. Today I was informed that XXXX XXXX XXXX confirmed the account is accurate yet didn't provide proof no copies of the purchase contract that they legally own this debt or that's even mine. or copies of all the statement of the account. Congress passed the FCRA Laws which allows you to permanently remove negative items from your credit report that are 2 years old using pre written dispute letters. You can remove these following items legally Collections Late Payments Medical Bills Repossessions Evictions Charge offs Bankruptcies. HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS AND BANKRUPTCYS 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. XXXX XXXX XXXX ( NMLS ID : XXXX ) Per NMLS CONSOMER ACCESS there not even licensed to operate in the state of California. Therefore, it needs to be removed from my account immediately. How long before a debt becomes uncollectible in California? four years The statute of limitations on debt in California is four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment.