davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
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: Onity Group Inc. (FL)

I got hurt at work and was out of work for a while. While I applied for worker 's comp and XXXX, it took a while to get approved. Given I was granted a modification with PHH mortgage, I was still waiting to get approve for XXXX. I was able to make the first payment, but default ed on the XXXX payment, due to the start of my XXXX payments.When When my relationship XXXX called me on XX/XX/year> I explained to her what transpired. She stated there is nothing to be done, because the foreclosure is in process. My XXXX has finally been approved, and payments are being deposited to my checking account. I reached out to PHH on XXXX to see where the process is with the foreclosure, and if I can try the modification XXXX last time. I also explained to him that the I now has XXXX payments deposited every XXXX weeks, and I will be able to do the modification with defaulting. I don't want to lose my home, especially since it is my primary residence. I thought these companies work with consumers to keep them in their homes?
Consumer complaint received 2024-10-05
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: EQUIFAX, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREENSTATE CREDIT UNION (CO)

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. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX, THE FOLLOWING ACOUNTS : XXXX XXXXDEPT OF EDU # XXXX 15 USC 1681 SECTION 602A : STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION II : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OU MY WRITTEN CONSENT.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-09
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: CITIBANK, N.A. (CT)

Summary : In XX/XX/2024 my Citi card details were stolen online resulting in multiple fraudulent charges. I disputed each charge, and Citi changed my card numbers as a result. Citi credited all but one charge and they and the vendor claim it's legitimate, but it is not. 

Details : - The amount in dispute is {$58.00} ( originally charged in Euros ). This charge occurred XX/XX/. 
- The charge is with XXXX, a video game company, for a video game download code. 
- Only my husband and I have access to the credit card. Neither one of us has been or is a gamer. 
- The Customer email included with the charge is not me and is not anyone I know. 
- The charge of {$58.00} is fraudulent. 
- I provided a written statement to Citi on XX/XX/2024, that this is a fraudulent charge. 
- Citi is choosing to believe the vendor over me as a client despite there being other fraudulent charges on the card at the same time and despite my written statement that this is fraudulent. 
- Citi notified me XX/XX/2024, that they were reversing and posting the charge to my account. 

I wish to file a complaint against Citi for not properly handling what is clearly a fraudulent charge.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : CAPITAL XXXX Account Number : XXXX
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (CA)

I am being harassed by The Office of Credit Management via repeated telephone calls on a daily basis, often several times per day from various telephone numbers. I have requested for them to cease and desist all contact on numerous occasions as the telephone calls are consistent without any caller ID or voicemail message identifying the caller of the company ; unfortunately, they have failed to do so. Please see the following documented call history below. 

XXXX : XXXX at XXXX XXXX at XXXX XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XXXX : XXXX at XXXX XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX
Consumer complaint received 2024-10-25
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. (TX)

I am filing a complaint regarding the refusal of credit reporting agencies to delete inaccurate data from my credit report, despite my repeated formal disputes. The agencies have failed to meet the requirements of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) to remove unverifiable information. 
Also these laws if wish to initiate under 15 U.S.C. 1681i ( a ) ( 615 U.S.C. 1681i ( a ) ( 1 ) ( A ) ,15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681c-1 ( a ) The ongoing inaccuracies include : Incorrect Names and Addresses : My name is XXXX XXXX XXXX XXXX but variations, such as XXXX XXXX XXXX , remain. Additionally, an unrelated address, XXXX XXXX XXXX XXXX, is still listed. 

Unauthorized Inquiries and Account Errors : My report includes multiple unauthorized inquiries and re-aged payment dates, among other errors. XXXX XXXX XXXX has reported payments of XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX in touch is constantly changing last paid dates my last real paid date was XX/XX/XXXX And XXXX is reporting month after month of charge offs by laws they can only report it XXXX Section 1681e " Compliance Procedures, '' which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported. 
Section 1681i " Procedure in Case of Disputed Accuracy, '' which outlines the process for consumers to dispute inaccurate information in their credit reports. 

I kindly am asking cfpb to investigate the validity if these violations by crdfit reporting agencies and thier refusal to delete information that we all know is not accurate and complete
Consumer complaint received 2024-09-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (IN)

Cash App Support  Square , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Complaint Regarding Account Closures and Identity Theft Dear Cash App Support, I am writing to formally express my concern regarding the recent closure of all my Cash App accounts and the subsequent inability to create new accounts. This situation has caused significant distress, as I believe it is rooted in a misunderstanding related to fraudulent activities that have affected my identity since XXXX. 

As a victim of identity theft, I have taken numerous steps to prevent further fraudulent actions against my name. However, despite my efforts, it seems that my legitimate accounts have been unfairly affected, leading to their closure. I kindly request that you conduct a thorough investigation into my case, focusing on the removal of any fraudulent accounts associated with my identity. 

I urge you to reinstate my credentials in your database, ensuring that all records reflect only my legitimate account activities. It is essential for me to regain access to my Cash App services, as they are vital for my financial transactions. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your understanding and support in addressing this issue. 

Sincerely, XXXX XXXX XXXX My Cashapp XXXX : XXXX XXXX or XXXX XXXX
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (MD)

an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am filing a complaint regarding incorrect personal information being reported on my credit report. The inaccurate details are affecting my ability to obtain credit and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, which requires that credit reporting agencies maintain accurate and up-to-date information. 

Despite my previous attempts to correct this, the errors persist, causing ongoing harm to my creditworthiness. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that the credit reporting agencies correct the inaccurate information on my credit report.
Consumer complaint received 2024-10-25
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IA)

I used my Lowes card to purchase something with promotional financing of 0 %. I regularly made payments throughout the year and finally was ready to pay off the remaining amount. Sychrony provided me an extra 30 days to pay the remaining amount. I then contacted them to ask how much was remaining and they gave me an amount. I paid that within the extra 30 days and I went back to request the interest get removed. They did remove it, but then told me I still had a balance of $ XXXX to pay because the payments I had been making throughout the year didn't get applied to the purchases throughout the year, just to the promotional balance. So I still had to pay off those purchases and any additional interest that was charged because they didn't clearly tell me the " interest saving '' amount to pay every single month.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

There has been an identity theft and someone is trying to open fraudulent checking or savings account using my information with the following different banks or credit unions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (NC)

Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When we were in the pandemic time I received my EDD and one night I called about it, and I was told they would send me a new card and fix the problem my balance was XXXX the next day it was down to {$6000.00} I called back and the next day it was XXXX XXXX.my complaint is I've seen people receive a letter saying that there account was compromised. And was reimbursed thru the XXXX program. Well I called and asked why I wasn't part of the XXXX program and they said they didn't know. Ok now during my time with b of a and my money dis appearing. I believe my info was secured because when u called the pre paid b of a those people answering those calls where at home they didn't have a place of business where those people gathered to work. They were operation from there homes. Now how secure would my info be in the privacy of there homes. IT WOULDNT BE! Also all that time i fought to get that money back I lost 3 storages, my home and my car. I lost everything until I call u guys did I start receiving some of my funds back. But every claim I put in was denied. Until u guys made them start giving me back my money. But before I could start receive my funds back I lost everything because of b of a. And because of this all happening I'm still struggling to survive. And because I didn't have a place to live it has affected my health really bad. And now I sit here in pain wondering how they got away with all this when it said they we're federally bonded bank. So I never needed to suffer and I hold them responsable.
Consumer complaint received 2021-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Social Finance, Inc. (FL)

Loan origination date : XX/XX/XXXX Amount : {$28000.00} Last on-time payment : XX/XX/XXXX I had a flawless record of payments with SOFI until the XXXX payment was due. I am not working because my employer has cutback drastically during the covid19 pandemic. So I am unable to make payments after XX/XX/XXXX. 

I have spoken to SOFI customer assistance, hardship department, and collection department many times since I missed the XXXX payment, but to no avail. They will not extend my forbearance or renegotiate my payment plan.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NC)

Exeter Finance violated NC state law during the process of repossession of my previous vehicle I had financed with them. Exeter finance broke NC state law : Notification of Sale : After repossession, the creditor is required to provide the consumer with a " Notification of Sale. '' This notice MUST include information about the sale of the repossessed collateral, including the date, time, and location of the sale. It also informs the consumer of their right to redeem the collateral by paying the outstanding balance, as well as any additional fees associated with the repossession. At no time did Exeter Finance mail me this information per my consumer rights in NC, thus I was not given the chance to bid on the vehicle at auction. Furthermore, Date last active, date of last payment and the payment history being reported due not meet XXXX standards and also are in direct violation of the FCRA.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within 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. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2024-10-20
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I attempted to book a flight on Chase Travel from Lisbon Airport to Newark Airport via United Airlines ( flight UA 65 ). I chose to pay with my Chase Sapphire points ( 92,952 points ). When I completed the travel information and clicked Book, I was taken to an error page that said my request could not be completed. I tried again, got the same error. I excited Chase Travel and booked the same flight directly with XXXX XXXX. I never received any email from Chase saying that the purchase was actually successful and did not receive any flight/travel confirmation emails from Chase. 

Around XX/XX/XXXX I received a phone call from XXXX XXXX telling me that I was booked twice for the same flight ( UA 65 ). I told them it must be fraud and XXXX XXXX cancelled the duplicate booking. 

A few days later I realized that Chase had deducted the XXXX points from my rewards and told me that I actually successfully booked the flight and because I booked an Economy ticket, I was not subject to a refund. I have called Chase XXXX times and have not been able to resolve this. They are telling me that I booked a flight successfully and therefore am liable. I have asked countless times for proof that they sent me a trip confirmation email which they refuse to provide. This is fraudulent on Chases part and XXXX months later they have not refunded me or even attempted to resolve this issue. I have been bounced around to several agents and nobody is willing to escalate the issue.