davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I am filing a formal complaint regarding the inaccurate reporting of late payments on my credit report by XXXX XXXX. I have attempted to resolve this dispute directly with the credit reporting agencies but have not received a satisfactory resolution. The incorrect reporting is as follows : Account Information : Creditor : XXXX XXXX Account Number : XXXX Date ( s ) of Reported Late Payment : XX/XX/XXXX, XX/XX/XXXX Balance : {$690.00} Past Due Amount : {$110.00} Legal Background : As referenced in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies are obligated to conduct a thorough investigation of disputed information. The court ruled that relying solely on automated systems to verify disputed information is not sufficient under the Fair Credit Reporting Act ( FCRA ). My right to accurate and fair reporting has been compromised due to the mishandling of my account information. 

Action Requested : I request that the CFPB initiate an investigation into this matter and compel both the credit reporting agencies and XXXX XXXXXXXX to provide : Internal Records and Documentation : Documentation proving that these late payments were accurately reported.

Investigation into Reporting Practices : Confirmation that Metro 2 standards were adhered to when reporting this account, and that the reporting agencies conducted a thorough investigation into my dispute as required by law. 
The continued reporting of inaccurate late payments has negatively impacted my financial well-being. If the credit reporting agencies and XXXX XXXX can not verify the accuracy of the information, I request the immediate removal of these inaccurate late payment entries from my credit report. 

I look forward to the CFPBs assistance in resolving this matter.
Consumer complaint received 2020-01-04
Product: Credit card or prepaid 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: DISCOVER BANK (FL)

I was renting out my house on XXXX  XXXX. Someone stole my phone and my wallet to make fraudulent charges. 

I think they sent in some documents to fake my identity and " verify '' as me. 

Discover has been said that they found that it was not me and there was fraud on my account but they refuse to remove the charges.

Now my credit card is reporting late payments and messing up my credit score for something I NEVER even did.

Discover has agreed it was Fraud but they are charging me still, that's against the law.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

My husband passed away last year and I was appointed executor of his estate. I have been working to file the tax return for his business. Despite multiple requests for his XXXX credit card statements ( for an account on which I was an authorized signer ), Citibank has failed to send them, has made it difficult to talk to the correct department due to their poorly designed ( and possibly intentionally flawed ) phone tree and has given inconsistent information over and over. I can't get these statements online since the account is already closed. And they will only mail them, which they have promised and failed to do XXXX times. Taxes must be filed on the corporation in less than XXXX weeks and I have been working on this since the end of XXXX. I have even brought in a copy of the Letter of Office to the local branch since they only accept mail and fax copies (!!!!! ). I am also a long-time Citi customer, but am rethinking that given this experience. Can someone please force them to get these statements to me first thing Tuesday? If they had mailed them to me when they originally said they would, we wouldn't be having this problem. And BTW, we have lived at the same address for XXXX years, so it's not like I'm trying to do something nefarious.
Consumer complaint received 2024-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

How can you guys stopped on my forbearance without informing me? 

I am impacted by Covid, and last year I evicted two tenants, I am facing Covid financial hardship. 

I see that you guys stopped by Forbearance and put my loan in default without informing me in anyway. 

On top of that you have put a legal fee of {$6900.00}, plus an inspection fee of {$30.00}, plus late fee of {$120.00}, how can you do that, when I am facing financial hardship. ( please see XXXX statement attached which I was just able to download ). 

I was not even able to login and see any of the paperwork from a long period time, it was just day before yesterday, I was able to login and see my statements and letters. 

You guys blocked me from accessing anything online. 

I also received this Loss Mitigation in the mail. 

I have a Covid Hardship going on. so please apply forbearance retroactively, waive all the late fees, inspection fee and legal fees. 

Please waive all this fee and continue with the forbearance. 

This is harassment and nothing else I called the customer service yesterday and today but there is no help.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

A Venmo Credit Card was opened in my name in XXXX XXXX XXXX. The credit card is issued by Synchrony Bank. I called Synchrony Bank in XX/XX/XXXX to close the credit card, and they recommended I open a fraud case because I did not apply for the account. I agreed, and I received a letter on XX/XX/XXXX that the fraud claim has been resolved in my favor and it was determined that I did not open the account.

When using the Venmo app on my phone, both the physical card and digital card show up as payment methods for my account. I called at some point in XXXX or XXXX to confirm the credit card account was closed due to it showing up, and I was assured it was closed. 

I called again in XX/XX/XXXX and was told both that the credit card account was closed, and that the fraud investigation had been resolved in my favor. I received a new letter dated XX/XX/XXXX which again confirmed the fraud case was closed. 

Both the Venmo website and phone app still show the credit card as a valid payment method, and my credit report still show the card account as being open. It still shows a full credit card number, expiration date, and security code.

When speaking on the phone with customer support agents, they claim the issue is solely with the credit bureaus, however the Venmo app also indicates that the credit account is not closed.

I never utilized any credit on this account, and I never activated the physical card. I can't get a straight answer why it still appears this credit card account is open. It's been almost 3 years since I requested the the account to be closed.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, it was XXXX transaction made in my chase account without any authorization. The transaction was made at XXXX in different locations for {$200.00}. Bank gave me the money back but today they have a charge in my Account for reversal claim.
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I am writing to formally dispute the accuracy of the Portfolio Recovery account currently being reported on my credit file. I have noticed discrepancies and inaccuracies with this account that violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

1. **Inconsistent Reporting Across Bureaus** : The account in question is not being consistently reported across all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX The Fair Credit Reporting Act requires that all information provided by furnishers be accurate and consistent across all reporting agencies. The discrepancies in reporting dates, account balances, and payment history constitute violations of FCRA, specifically 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. This inconsistency alone is grounds for the removal of this account from my credit report.

2. **Lack of Proper Verification** : When I requested verification of the debt as required by the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I was provided with a list of charges rather than documentation proving that I owe this account. Under 15 U.S. Code 1692g ( b ), the debt collector must provide the consumer with written verification of the debt, which includes a signed agreement or other proof tying the debt directly to me. A mere list of charges does not meet this requirement, and I have yet to receive the required " wet signature '' or legitimate documentation validating that this debt belongs to me. Therefore, this account must be deleted from my credit file. 

3. **Fraudulent Account Opening Date** : Furthermore, the Portfolio Recovery account is being reported as having been opened in XXXX. However, the list of charges provided by Portfolio Recovery shows transactions beginning in XXXX, indicating that this account was fraudulently opened. This discrepancy between the dates further supports that this account was not initiated by me and was opened under fraudulent circumstances. The Fair Credit Reporting Act prohibits the reporting of fraudulent information, and this should result in the immediate deletion of this account from my credit report. 

Please be advised that if this issue is not resolved promptly, I may take further action to protect my rights under federal and state laws. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.
Consumer complaint received 2024-09-13
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-20
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. (VA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT RI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

EPORT IMMEDIATELY!
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Voss & Klein, LLC (NJ)

Account name VOSS & KLEIN , LLC Account number XXXX Recent balance {$600.00} as of XX/XX/year> Date opened XX/XX/year> Status Collection account. {$600.00} past due as of XX/XX/year>. 

Please assist me with this. I applied for a mortgage on my home and was advised that there is a collection account on my credit report! I disputed this with all XXXX credit bureaus, but they have not removed it as of yet. I have written the below to them as a follow-up but am requesting your assistance. This is causing me to have my mortgage in a pending denial status! 


Thank you for your response but it is vague and unacceptable. As per my initial dispute, I never hired these people. They have no record of me agreeing to them doing work on my behalf and/or the XXXX 's behalf. Thus, this needs to be removed immediately. I am also following up on this with a complaint to the CFPB. See attached
Consumer complaint received 2020-01-04
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: CORELOGIC INC (IL)

I had pulled a copy of my credit report and noticed there was incorrect information on my report there are two hard inquiries that I never gave permission to run my credit I contacted the company and asked them to remove them if they did not have permissible purpose they stated that they had no information on file giving them permission to run it a third-party ran my credit using their system they told me I had to go through the credit bureaus to get it removed the credit bureaus told me I have to go through the company that appears on my credit report when I contacted them they continue to tell me they can not do anything about it
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GFS II, LLC (GA)

*Buring the duration of the loan i was not sent remittance papers to remitt my bill. * Every month payments were made using FRNs which is not sufficent payment. It states that the Car was bought using CREDIT..Not cash!. No FRNs ( federal reserve notes ) were given nor received during the finalizing of the deal ( I WAS TO BE PAID A CHECK DURING THE DEAL AS WELL ), An Frn is not of equal of value to the car ( collateral ) NO MATTER THE AMOUNT APPLIED FOR.. therefore all payments made during the duration of the loan shall be sent back to the CREDITOR ( XXXX XXXX XXXX account. FRAUD HAS OCCURED. IT STATES IN BOLD LETTERS OF THE CONTRACT THAT THIS IS A " CONSUMER CREDIT SALE '' ..NOT USING MONEY BUT CREDIT! THEREFORE IT MAKES ME THE CREDITOR/BUYER OF THE VEHICLE AND THE BANK THE BORROWER.GATEWAY FINANCIAL SOLUTIONS IS CONDUCTING SECURITIES FRAUD AND HAS REPOSSED THE VEHICLE FOR NO REASON. THE CAR AND THE MONEY HAS TO BE REFUNDED AS WELL AS AMENDMENTS TO THE CONTRACT SHALL BE MADE. I STILL HAVE EQUITABLE INTEREST IN THE LOAN AS WELL AS THE VEHICLE. * I SIGNED THE CONTRACT! THEREFORE CHANGES CAN AND WILL BE MADE. * IT ALSO STATES IN THE DOCUMENTS THAT A CASH DOWN PAYMENT OCCURED WHICH IS ANOTHER LIE TOLD BY XXXX XXXX AND THE FINANCE DEPARTMENT. THAT IS AGAINST THE LAW FOR A CASH TRANSACTION TO HAPPEN DURING A CONSUMER CREDIT SALE. FRAUD HAS YET AGAIN BEEN ATTEMPTED. I TRADED MY XXXX XXXX FOR THE XXXX XXXX. NO CASH WAS INVOLVED!! REFUNDS SHOULD BE SENT TO MY ACCOUNT FOR ALL PAYMENTS MADE DURING THE LOAN DURATION. I WILL CITE ALL UCC FILINGS IN MY NEXT COMPLAINT! WITH ALL VIOLATIONS.
Consumer complaint received 2024-09-14
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.,
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

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 the following unauthorized accounts and inquiries : XXXX  XXXX
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I was trying to retrieve money I had lost in a scam. The money was being held by XXXX XXXX. I was told by XXXX XXXX they had {$110000.00} but I had to pay taxes on it. When I followed their instructions, my bank, USAA FSB said XXXX XXXX was fraudulent and I was a willing participant in the fraud. So USAA said they were terminating our assiciation. This all happened just after my XXXX XXXX, my XXXX XXXX XXXX, my XXXX XXXX, and my husbands XXXX XXXX were deposited. Right now, USAA is holding {$28000.00} of my pay and penalizing me for missing payments. They say they will send me a check for any balances in 60 days. Ive been trying to close annuities and XXXX IRAs to get money to pay my bills, but USAA is even slow to do that! If they have already found me guilty of fraud, when I was the victim, why cant they give me my money now? Why do I have to wait 60 days? My husband and I are trying to retire in the XXXX due to his poor health. We desperately need our money! I am a veteran of 23 years with a 90 % XXXX. My husband worked for the XXXX for 25 years, but his health is failing. He wants to go home before he dies. I have a Durable POA for his finances. We were loyal members of USAA for 26 years. Now, all we want is our money. Is that too much to ask? ( And why was my previous complaint closed? )