davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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. (NJ)

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 REPORT IMMEDIATELY!
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc. (CO)

I have been attempting to rectify my mortgage and credit score with chfa & XXXX since XX/XX/year>. This has not yet been rectified. 1. I continue to receive various bills for different amounts all due on the same date. This needs to be resolved. I need one statement per month only.
2. My payments are subsidized by section 8 and payments are made on time. Dovenmuehle claims they were late and as a result my credit has been damaged. I had a good credit rating that was reduced to fair. This needs to be fully resolved specifically to include from XXXX to XXXXt of XXXX. 

3. As a XXXXXXXX XXXX  in need of accessibility I am requesting a contact liaison at Dovenmuehle in the Special Loans department who will be knowledgeable about my loan and special needs. My Independent Living Specialist and I spent an unbelievable number of hours and phone calls since XX/XX/year> attempting to have the account rectified to no avail. We were given different information by every different person, and no one had a clue what was going on with my account. I am in need of accessibility to access accurate information on my mortgage. This has not happened so far. 

4. I have requested a letter of apology from Dovenmuehle regarding the errors in my report. I have not received that letter. I want to provide this letter to my creditors since some of them have reduced my limits given the negative reporting from Dovenmuehle.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (NC)

Between the dates of XX/XX/year> until XX/XX/year>, my accounts with Cashapp has close because of what they term as sharing violations. I thought this was a private app made for sharing with peer to peer payments amongst each other or friends. 

I had all my accounts open and close with warning. I didn't even get a chance to use some of them. I feel they're bias or someone on staff is dictating my relationship resources from making money. 

It could be discriminative in the actions of Cash.app. I had a friend that like to share payments to help her investment planning. Also, I like to use cash.app to help move money to my accounts or make payments to other resources. I also like move money to cash.app from other resources. 

They have limit my abilities to move money without leaving home to a store to do a cash deposit at a register to reload to accounts. 

My accounts in phone numbers of XXXX, XXXX and XXXX all has been closed. What is the app about? a peer to peer or business currency exchanges I thought.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have accounts reporting on my credit report that is reporting incorrectly and inaccurately and I am requesting information to be sent to me for proof and validation of accounts and information for accounts that is being reported I will like them to be deleted for inaccurate information and I will be sending documents attached to this
Consumer complaint received 2024-10-01
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. (FL)

Dear CFPB, I am filing a formal complaint against XXXX, Equifax, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXX : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX U S DEPT OF ED/XXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX U S DEPT OF EDXXXX : # XXXX has 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

-I contacted 5/3 about a major increase in my monthly mortgage payment. ( {$2200.00} increases to {$2800.00} ) -I was told false information by multiple 5/3 employees ( ie : mortgage account never received escrow payment at closing, big increase in my property tax and homeowners insurance ) -There was a slight increase that year in property tax and homeowners insurance but nothing that would cause a {$5000.00} dollar escrow shortage. 
-Spoke with my original lender and was told & XXXX was put into my escrow account at closing and that the summer property tax for that year had already been paid by the previous owner. 
-My previous escrow analysis stated that I had a surplus and 5/3 actually sent me a check for {$120.00} -So how did I go from a surplus to a {$5000.00} dollar shortage the very next year? I asked 5/3 this and they continued to try and point the finger and feed me false information.

-They did not do a proper analysis the year of the surplus even though my property tax information came out on XX/XX/XXXX and my analysis was dated XX/XX/XXXX. So they had to time to access the right information. 
-If they had done so they would have realized there was actually a shortage already than ( rather than a surplus ), but the shortage would have been much more manageable and not nearly as detrimental as what it currently is. It would seem that the error is with 5/3 and this should have been caught before my mortgage skyrocketed to an unsustainable amount.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

The federal pause on student loans was set to expire at the end of XX/XX/XXXX with payments resuming on XX/XX/XXXX. With this deadline looming, I went to StudentAid.gov and completed my application for the new SAVE program, which would allow me to redetermine my income-based repayment program and be given a new payment plan for my student loans. I provided all of the required documents and requested information per the application in the middle of XXXX. My one student loan company, XXXX, was very helpful and communicative throughout the process. My other student loan company, Navient, was not helpful, not communicative, and to this day, hence my complaint with you, has been harassing me with phone calls up to 7 times a day for a payment. They have yet to process my application for the SAVE program, they have not given me a timeline for the additional documentation that they asked for and I provided, and they began billing me for the monthly payment of almost {$700.00} on XX/XX/XXXX, despite the fact that payments were not due to begin until XX/XX/XXXX. All of my loans are federal loans. None of them are private loans. Throughout the federal student loan pause, Navient made me complete a redetermination of my loans every year. Even though according to Student Aid.gov, I was not required to complete that redetermination until sometime in XXXX. Prior to my graduate loans being sold to XXXX, they were with XXXX XXXX, and I did not have to complete a redetermination of my loans with them during the federal student loan pause. Navient continues to skirt the law, harass me with phone calls, demand payment on a loan that has historically not had a payment due on it in over 3 years ( I have documentation of no payment being due ), and will drag out the redetermination process for up to 6 months. I am now at a loss of what to do to get Navient to process my SAVE application. I do not know why this particular student loan company is so hard to work with, especially if they want to help people pay back their student loans. I am not one of the lucky ones who received student loan forgiveness and I likely never will, but it should not be this difficult to work with a company to redetermine my loans on a year-to-year basis. I should also not be getting multiple phone calls each day demanding a payment totaling over {$2000.00} when they illegally started requesting payments two months earlier than the government allowed student loan companies to begin billing us. Please help me get Navient to process my SAVE application and complete my IBR payment plan request. Better yet, get them shut down for deceptive practices and all borrowers who have loans with Navient Loans forgiven.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (NJ)

On XX/XX/year>, I completed a refinancing/ debt consolidation. I recieved 3rd party check from XXXX XXXX XXXX XXXX. I mailed they balance for my account to be in full. Upgrade Inc received and cashed the check on XX/XX/year>. Upgrade never applied the amount to my account. I called numerous times and spoke to several supervisors about this matter no one could help me.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ADP Inc. (NC)

I recently sent my daughter and XXXX XXXX but I was charged twice for the same transaction. I immediately reached out to wisely ADP to let them know that it was a double charge of XXXX on my card. They told me that I had to contact XXXX because they would have to clear it up when I reach out to them XXXX told me I had to contact ADP wisely so its been back-and-forth since XXXX XXXX and nobody is refunding my money. They clearly said it is a double charge. Theyve told me its a double charge, but they are not able to, take care of it and that wisely had to take care nobodys giving me my money back
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft and see inaccurate accounts on my credit report by the name of XXXX XXXX and someone stole my identity in 2017 and it has been a nightmare ever since I have contacted the credit bureaus numerous times to have the false items removed from my credit report
Consumer complaint received 2024-10-01
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. (CA)

In accordance with the Fair Credit Reporting Act Convergent ( XXXX XXXXXXXX XXXX XXXX -account XXXX  XXXX ) ( Direct Credit Control - XXXX XXXX XXXXXXXX ) ( XXXX XXXX Recovery- account XXXX XXXX ), 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 an account without my written instructions.
Consumer complaint received 2024-10-01
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. (OR)

I disputed a collections claim on my Equifax credit report from XXXX XXXX. XXXX is attempting to collect and report on a debt that was discharged during a XXXX  XXXX XXXX  in XX/XX/year>. They know it and have my discharge information. I've already had a previous collection 's report removed from both XXXX and Equifax. 

The current reporting is about an amount that was XXXX in XX/XX/year>. They called me and I told them that, gave them my case number and lawyers number. They reported on Equifax and XXXX anyway. I disputed the credit reporting. XXXX removed it but Equifax refused to remove it from my credit report. 

I told them it is an illegal collections and reporting it on my credit report is not correct but Equifax kept it on y credit report. Oddly, the amount keeps going up but they aren't attempting to collect the debt, just report it to Equifax. 

I want this illegal collections removed from my credit report. Equifax seems to be the only XXXX still reporting it.
Consumer complaint received 2024-10-01
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)

I recently review a copy of my credit report and noticed fraudulent account on my report XXXX XXXX XXXX is not my account and need to be remove immediately this account does not belong to me and it's hurting my personal finance.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (IL)

Regarding Past Due Credit Card Payment : XX/XX/year> - Spoke to " XXXX '' at FNBO approx. XXXXXXXX XXXX. and explained there was a Direct Debit for {$1200.00} that I, XXXX XXXX or XXXX XXXX ( account owners ) DID NOT AUTHORIZE. After a long awaited Deposit from one of our Clients, the money was much needed since my XXXX  ( XXXX XXXX ) is battling XXXX  XXXX XXXX XXXX. We have not been able to fully meet our bills due to the unforeseen circumstances. XXXX wasn't able to assist us so she transferred us to " XXXX '' at XXXX XXXX. XXXX and I, still confused as we thought the transaction was some sort of fraud transaction as no one could provide details. We then asked " what '' was the transaction and to please return it. XXXX could not assist us as well. Around XXXX. she then proceeded to say " Booking Department '' stated " XXXX XXXX '' authorized the transaction. We have NO CLUE who " XXXX XXXX '' is and have yet to receive our funds. 

XXXX XXXX- We received a letter to " Pay the past due payment ( s ) '' on the Credit Card stating " what '' the {$1200.00} transaction was.

Not aware how the figure came about and still puzzle who authorized it, we proceeded to verify our Credit Card statements to see if any further payments had been deducted in the past. We noticed FNBO had taken excessive amounts of {$30.00} transactions in the past WITHOUT OUR APPROVAL. 

I know this isn't a reason for us knowing the past {$30.00} debits, but my wife 's health took us out of our normal routine and the small amounts weren't noticed. Nonetheless, this doesn't give them permission to debit our account WITHOUT APPROVAL. We couldn't find anywhere on the website or any Disclosures outlining this is protocol. Yet, FNBO continues to call and threaten us about payments. We expect our money back. There are protocols for settling a Credit Card Debt and they DID NOT go that route. They are bullying our Checking Account for payments and we expect every XXXX back. DESPERATELY, PLEASE HELP.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC. (CA)

I am writing to inform you that I was recently targeted in a phone scam that resulted in an unauthorized XXXX transaction being sent. 
The scam occurred on XX/XX/year>, during which I was misled into providing sensitive information over the phone by someone. 
The XXXX payment was sent to # XXXX under the name of XXXX XXXX XXXX of {$900.00}. They tried to have me believe my aunt was getting XXXX. 
Since my aunt lives XXXX XXXX XXXX XXXX XXXX XXXX  I was quick to send the money. They used tactics such as threatening XXXX XXXXXXXX XXXX  if nothing was sent. This call was also hacked since I was able to see my aunts caller id. Which made it even more real Given the prior details, I fell for the telephone scam. 
Given the seriousness of this matter, I kindly request the following actions to protect my account : Please conduct an internal investigation with my bank Sofi. I did not authorize a payment rather was forced and manipulated into sending the money. 
They have closed my fraud case and have provided me with XXXX resolution. Id be happy to provide more information if needed. 
Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FinFit Holding Co, LLC (FL)

I previously submitted a complaint that this account was incorrectly being reported as " Late '' on my credit report. The company responded that the account status had been updated to current, and that there was a " technical issue '' that caused the incorrect reporting on my account. The account status is updated to " Current '', however, there are still payments in the account payment history that are incorrectly being reported as " Late ''.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2024 I initiaited an international wire transfer from my business account in Chase Bank, to another business account, another bank located in XXXX. 

On XXXX XXXXXX/XX/2024 - I got a notice from Chase Bank that they sent the transfer, but the money is being held in XXXX XXXX XXXX XXXXXXXX for sanctions review. They asked for information of the recipient and I provided all the information that they required. The recipient is a business that is owned by my wife, and there is no business connection with any country on the XXXX list. 

Today is XX/XX/2024, and the money is still held in the XXXX XXXX XXXX XXXXXXXX with no update from them. I have contacted Chase Bank about 4 times, and they do not have any update from XXXX XXXX XXXX XXXX.