davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint personally. After examining my credit report, I noticed late payment entries. I sent correspondence to the relevant parties more than 30 days ago, but have received no reply, nor have they adequately verified these entries. I am seeking your help to address this issue.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (FL)

Dear Sirs : I was offered and I accepted a forbearance plan, and when applied for modification more than once after that ; it was denied. 

Then I was offered a shorter forbearance plan during which I made 2 full payments, and after that, I was required to pay the full reinstatement amount to satisfy the account, by paying several months, which I obviously and clearly couldntdue to the very same reason I fell behind initially ; when the XXXX XXXX XXXX  ( XXXX ) affected and dramatically reduced our income, and we were forced into adhering to the forbearance plan. 

Subsequent Monthly payments have added to the amount, increasing it to over {$11000.00} approximately ; as of XX/XX/year>. 

We respectfully requested PHH Mortgage Servicing Company to move that balance to the end of the account, as a exception and courtesy, since we now have a lower monthly payment and have no problem covering it, now that I am receiving an additional {$1800.00} a month from Social Security retirement benefits. 

Thanks in advance for your kind attention. 
We are looking forward to be approved for this exception by PHH and the investors.
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

Greetings, I use XXXX payment through Chase bank. I was sending money using XXXX to my brother who uses XXXX. I entered his phone number which is registered with XXXX. When I entered his phone number, XXXX asked me to provide his email address. When I was writing his email address, I missed one later in the email address but his phone number was correct. When I sent the money to him, XXXX used his email address instead of his phone number. He did not receive the money that I sent to him. It went to an email address which is not his. I would like to cancel this transaction. I called Chase bank, they said they can not help because XXXX is operating that transaction and asked me to call XXXX. When I called XXXX, XXXX told me to call Chase because it was from chase. Please help me. My phone number is XXXX XXXX the transaction number from Chase is XXXX. 

Thank you, XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account Number # XXXXJoint Installment Loan from XXXX XXXX XXXX  XXXX XXXX XXXX. Source of dispute information : The attached report from Equifax has the account balance, dates and payment history listed inaccurately. 

XXXXType of disputed information : the debt listed is not accurate, it does not reflect a complete accurate record of payment history or amounts XXXXDates associated with item being disputed : loan became 30 days late as of XX/XX/XXXX but is reported incorrectly, on several credit bureaus. 

XXXXExplanation of item being disputed : My reports inaccurately lists past payment activity, incomplete payment history and I am unable to reach any agreement with this creditor. 

XXXXThe creditor refuses to provide any more details or information about the closed installment loan # XXXX from XXXX XXXX XXXX XXXX XXXX I have sent a debt verification letter certified mail, they answered with a few documents, but not what was asked of them, So next, I sent them a Dispute Letter, they only resent the same information they provided prior. 

XXXXThey have not provided proof and explanations of ALL fees, reversals, chargebacks associated with this account and only sent me a document without no further explanation of said fees, and reversals. They do not SHOW up on my bank statements at all XXXX XXXX. So XXXX  said all reversals or ( chargebacks inquire fees it should be there ) It's not, which is fraudulence and bad business tactics to get more money from us. I tried everything I called to no avail they keep damaging my credit reports this account is over 7 years debt XX/XX/XXXX. 

I want it DELETED from all credit reports this is affecting me and my husband livelihood. 

I am in the process of purchasing a home as I nor my husband XXXX XXXX can get approved because of XXXX. Their tactics are unethical and flat out deceptive. 

Please HELP US my score was in the low 500 's, Now in the mid 600 '' s. I have worked so hard to be able to correct my past mistakes especially since this was during the year of XXXX, we both lost our fathers due to XXXX, our car and businesses due to the pandemic! 
Please publish this so no one else goes through what we have experienced with XXXX they are the WORST company to do business with.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my third request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

Direct Deposit made on XX/XX/2023 to closed account ending in XXXX that was closed over a year ago. I called numerous times about the issue and I keep intentionally getting transferred to another department that either just rings or they pick up, ask me a few questions, put me on hold and then the phone is hung up on their end. There was a mix up with payroll that didnt process to my newer usual account. I was initially told by my company I work for that is would reissue the payroll direct deposit when Chase returns the payment, typically within 10 days. Old account ending in XXXX.
Consumer complaint received 2024-07-15
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)

My repeated efforts to resolve the false, incorrect, and misleading information on my consumer report have been unsuccessful. These entries have seriously disrupted my life, causing substantial distress. I emphasize that I never approved this information 's association with my name, as I am an identity theft victim.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prosper Marketplace, Inc. (VA)

The account was never charged off on the following month XX/XX/year>. Since then, you have updated my credit report as being charged off in the month of XX/XX/year>, which is incorrect. The account has been paid off since last year. This is an update on the payment history. A charge off account should not be showing also the account status is not closed but PAID as well. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : PROSPER/XXXX XXXX  XXXX Account # XXXX
Consumer complaint received 2024-10-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (KY)

I was awarded a {$100.00} virtual XXXX from XXXX. I received redemption instructions on XX/XX/24, to access my virtual gift card. I clicked through the instructions and got to the last screen, and received an error message : " We apologize. We have identified an error on our side. Please contact customer service at XXXX. '' I called the number and the customer service representative worked through possible solutions with me but we were unbale to activate the card. I was given case number : XXXX and in the meantime, I requested and was sent a new link to access the gift card on XX/XX/24. I received an update from Blackhawk on XX/XX/24, that I should contact XXXX, but that was incorrect because Blackhawk issued the card and they are responsible for it. I called Blackhawk on XX/XX/24, and was told by the representative that they were going to send my a physical card to replace the code. They I received an email on XX/XX/24, from Blackhawk saying it wasn't their problem and that the case was " resolved. '' The case is NOT resolved, I do NOT have my {$100.00}, and NO one cares.
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (IL)

There are hard inquiries on my credit report that I did not authorize. I have not applied for any accounts and XXXX not sure why these accounts are reported on my report. I have not given anyone permission to pull my credit.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXXXXXX XXXX filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

FRAUDULENT ACCOUNTS XXXX ) XXXX XXXX AMOUNT $ XXXX XXXX XXXX ) XXXX AMOUNT {$320.00} DATE XX/XX/XXXX FRAUDULENT INQUIRIES XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 INCORRECT ADDRESSES XXXX ) XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX N aacordance with the fair credit rereporting act These have violated my rights 15 U.S.C 1681 section 602 A. states 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 a account without my written intructions
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX showing collection this is paid XXXX XXXX it was marked as fraud and company notified report bureau XXXX XXXX marked fraud I got letter last month that company would notify credit bureau XXXX XXXX marked as fraud as well still showing collection XXXX XXXX its two of them I paid and settled both still showing as not paid
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

To Whom It May Concern at the CFPB, I am filing a complaint against Equifax and XXXX XXXX XXXX regarding the inaccurate reporting of a collection account on my credit report and the failure to validate the debt. 

Complaint Details : Account Information : Collection Agency : XXXX XXXX XXXX XXXX : {$570.00} Original Creditor : XXXX XXXX Background : XX/XX/year> : I mailed an initial dispute letter to Equifax regarding the collection account reported by XXXX XXXX XXXX. 
XX/XX/year> : I sent a follow-up dispute letter via certified mail to Equifax, XXXX my request for verification and investigation of the account. To date, Equifax has not responded to either letter. 
Violations and Relevant Laws : A. Equifax : Failure to Investigate Dispute ( 15 U.S.C. 1681i ) : Equifax has not responded to my dispute within the required 30-day period, failing to conduct a reasonable reinvestigation of the disputed account.

Inaccuracy of Reporting ( 15 U.S.C. 1681e ( b ) ) : Equifax has not ensured the maximum possible accuracy of the information on my credit report. Their failure to address the dispute suggests a lack of adherence to the accuracy requirements. 
B. XXXX XXXX XXXX : Failure to Validate Debt ( 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ) : XXXX XXXX XXXX has not provided validation or verification of the debt, including proof of ownership and authority to collect it. This constitutes a violation of their obligation under the FDCPA. 
False or Misleading Representations ( 15 U.S.C. 1692e of the FDCPA ) : XXXX XXXX XXXX 's inaccurate reporting, particularly the false claim of being the original creditor, violates this statute. I have never had a contract with them. 
Requested Actions : If these issues are not resolved within 30 days from the receipt of my certified letter ( by XX/XX/year> ), I will consider pursuing legal action for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have also filed a complaint with the Federal Trade Commission ( FTC ).
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: Affirm Holdings, Inc (FL)

in Early XXXX I noticed a unauthorized amount an credit card on my XXXX XXXX which I check weekly. I decided to check My XXXX account and I found 3 personal loans and 2 in correct addresses with several other hard inquires that were not mine XXXX was very helpful clearing up all except the personal loans and one address belonging to the fraudulent account. 
I have talked to Affirm XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX twice now the first time XX/XX/XXXX they stated they would clear it up the second time XX/XX/XXXX they could not find the accounts. Affirm has reported to XXXX that the reported the information has been and the information is accurate so they could not clear my report. 
Opened on XX/XX/XXXX {$2800.00} Balance now {$3000.00} Opened on XX/XX/XXXX {$400.00} Balance now {$440.00} Opened on XX/XX/XXXX {$420.00} Balance now {$460.00} address in question not mine never lived their XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SoLo Funds Inc. (TX)

Solo is a peer to peer loan app, you can ask for a loan from people on the platform and pay them back with XXXX says of borrowing funds via your back ACH or your debit card. I requested a loan for {$570.00} on XX/XX/XXXX and tipped the lender {$30.00}. Tipping is required to the lender and you can pick the amount of the tip. The lender can ask for a bigger tip, but you have the option to decline their offer and receive another offer from another lender. I accept the offer and setup a payback date of XX/XX/XXXX to be withdrawn from my debt card. On the due date the transaction posted to my bank account and cleared on / XX/XX/XXXX. 

Here 's the issue, the merchant 's app showed my profile was past due on the due date the loan on XX/XX/XXXX and had my pending payment on my profile, and by XX/XX/XXXX, I received an email from the merchant saying I was past due and was going to be charged a late fee. 

I immediately email support and provide the screenshots of my bank account showing the payment was pending since XX/XX/XXXX and cleared on XX/XX/XXXX. I received an email saying my ticket was escalated and haven't heard from them again. 

Today, XX/XX/XXXX, I received XXXX duplicate emails stating that my bank blocked the merchant 's bank from running my card. I contacted my bank and found out Solo has been excessively running my card for the amount already paid to them since XX/XX/XXXX. My bank said they ran my card a total of XXXX times, which flags my account and notify their bank that they have been blocked for XXXX hrs and can try again. 

My bank has blocked Solo and suggested I dispute the charge to get the money back since Solo lost the payment and is not attempting to fix the issue in a timely manner. 
I chatted with a agent with Solo, who admitted this is their error and don't have an ETA for a resolution. In the meantime, Solo is causing serious issues with my bank because their system is going to protect mode because of Solo 's excessive attempts, the lender with Solo has not been paid and my history with my bank and Solo is being demolished. 

I just want them to fix this, they have nothing but issues and the cause so many problems because of their app problems
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Recently, I reviewed my credit report and discovered several inaccuracies. I am writing to formally dispute several inaccurate accounts listed on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ) provisions. Specifically, I am referring to the accounts : XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX I have previously disputed through two letters without receiving any response.

Under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( 5 ) mandates that if any information is found to be inaccurate or incomplete, it must be corrected or deleted. 

As per these statutes, I assert that the information reported for XXXX. ) XXXX XXXX XXXX XXXX, XXXX. ) XXXX  XXXX, XXXX. ) XXXX XXXX, XXXX. ) XXXX XXXX XXXX, XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX is not 100 % accurate across all three credit reporting agencies. Therefore, it is my legal right to request that this account be updated to reflect accurate information or removed entirely from my credit report. 

I expect a thorough investigation into this matter and request that the inaccuracies be addressed within XXXX days. Should my request not be fulfilled within this timeframe, I will be compelled to initiate litigation to seek {$1000.00} in damages for each inaccuracy on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The accounts I am disputing present significant issues and require a thorough reinvestigation. By law, it is your responsibility to reexamine disputes submitted by consumers. The furnisher has failed to provide proof of the accuracy of the reported account. Given the lack of investigation by the collector, this account should be removed from my credit report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax has many errors on my credit file from wrong phone numbers, balances ETC I have requested my complete credit file from Equifax and have yet to receive it. 

Nothing but the run around with a complete credit file with all the pages. 

Equifax has many to much gather wrong info.
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: JPMORGAN CHASE & CO. (IL)

Failure to abide by the law : Failure under Fcra demands that closed accts be permanent removed that are older than 2 yrsUpdated by CFPB Breach 1681 ( I ) never gave written instructions to whom it relates to report any activities on my consumer report violation of 15USC 1681 ( b ) ( a ) ( 2 ) please removed XXXX cards acct # XXXX and JP Morgan Chase Bank. Acct # XXXX
Consumer complaint received 2024-09-25
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. (GA)

This complaint is against Equifax, XXXX and XXXX. These companies are not complying with their own policies in a timely manner. The investigation has taken longer than 30 days.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-09-25
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: EQUIFAX, INC. (PA)

XXXX responded back on XX/XX/year> XXXX not address the issue of removing from my credit report this XXXXXXXX XXXX XXXX off all XXXX credit Bureaus. 

XXXX needs to delete from all XXXX credit Bureaus this account # XXXX