davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Mortgage — FHA 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. (MI)

Since late 2020 mt originalmortgage servicer XXXX XXXX XXXX, I have been put through a nearly 4 year battle with loss mitigation. I ha e sent numerous signed and notarized agreements with tracking, they claimed each time they never received them, a drew up new forms with different rates. Finally they sent out a notary to our home and still they claimed to never have received them. They then stop taking my calls or calling back. In XXXX of this year I was told my new mortgage servicer is PHH, they sent out an agreement with nearly double the interest rate, I called and was told that they don't transfer calls and that I had to make an appointment to speak to someone about it, so i.made the earliest appointment, XX/XX/XXXX. I never received a call. I have been calling and making appointments with no return calls. I found out XX/XX/XXXX, from an investor showing up to my door that their is an auction set for XXXX on XX/XX/XXXX to suction my home. I NEED HELP please. 

They expect {$67000.00} unordered to reinstate my mortgage. They are the ones who refused any payments
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  I looked at my Transunion credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX I gave my XXXX XXXX XXXX my debit card for my bank account at Wells Fargo and I wrote my pin on a sticky note on the front so they would be able to make the purchase, The cell phone and wallet with my debit card inside was stolen from XXXX store in XXXX SC. Several charges were made that were unauthorized including atm withdrawals. As soon as the charges were no longer pending I put a claim in online for the unauthorized charges on XX/XX/XXXX I was unable to provide details of what happened because a few hours later the claim was denied. I called and spoke to a representative who told me that after investigating there was no error found which they could not have even investigated because they did not even know the full story there was no option to type in information to go along with the claim online. I told the representative this information and also said I filed a police report about the missing items and stolen debit card. The representative said they could Not refill the claim and that I would have to contact the merchants directly which I did and they said nothing can be done and I would have to dispute through my bank. I have no other option and I am out this money which I was relying on in order to pay bills this month etc. 
charges were as followed -XXXX XXXX  for {$23.00} on XX/XX/XXXXXXXX XXXX XXXX for {$120.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX for {$24.00} on XX/XX/XXXXXXXX XXXX {$21.00} on XX/XX/XXXXXXXX XXXX  {$19.00} on XX/XX/XXXXXXXX XXXX on XX/XX/XXXX for {$190.00} XXXX on XX/XX/XXXX for {$40.00} -ATM withdrawal for XXXX on XX/XX/XXXX -ATM withdrawal for XXXX on XX/XX/XXXX -ATM withdrawal for XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX  for XXXX on XX/XX/XXXX The total of the claim was for {$910.00} and claim was filed on XX/XX/XXXX Claim number is XXXX
Consumer complaint received 2024-05-29
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. (MO)

-- -- -- -- -- -- -- -- 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. 

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 informationisinaccurate.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-29
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. (LA)

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. 

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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

BOTTOM LINE : Getting a credit report from Equifax is much too difficult and involves providing more and more personal information. 
SUMMARY : 1. Problem with requesting annual credit report from Equifax online. Each time it tells me it can not verify me and I must send written request along with copies of Social Security card and/or driver 's license. There should be a way to verify me online. 
2. The last time I got an Equifax report was in XXXX, and I had to send request through mail with copy of above documents. I received a paper report through the mail. 
3. Today, XX/XX/XXXX, I tried online but again it said it can't verify me ( I provided SSN, name/address, email, etc. ) and to call a number. When I called, the person asked all the same info plus they now wanted a mobile number in order to verify me. I gave them a cell phone number ( I rarely use a cell phone ; it is mostly for safety if my car breaks down so I can call XXXX. ) Equifax then texted me a link to a " Document Verification '' service where I was asked to take photo of my driver 's license and myself. I refused and ended the call. 
4. Equifax has proven they can not keep customer information safe yet they ask for more information than anyone else has ever asked me for. I am extremely uncomfortable giving this info and even if I do, I have no guarantee I can get my credit report. 
5. Equifax makes it far too difficult to get a paper credit report, let alone an online credit report. It reminds me ( in a small way ) of old time voting laws. 
6. I want Equifax to be reasonable in verification.
Consumer complaint received 2024-08-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (KY)

On Tuesday XX/XX/XXXX there was a charge on my Chime card for {$150.00}. My Chime account says this charge was made by XXXX XXXXXXXX XXXX  phone number listed with my Chime account is ( XXXX ) XXXX. I did not authorize this charge. I disputed this charge with Chime and they denied my dispute so I requested a rebuttal and today they denied the dispute again.
Consumer complaint received 2024-08-07
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. (TX)

I filed a dispute against merchant XXXX for billing me in the amount of {$39.00} from XX/XX/XXXX through XX/XX/XXXX without my consent or knowledge. I have been refunded for the monthly charges from XX/XX/XXXX through XX/XX/XXXX. However, Im still pending refunds for the monthly charges from XX/XX/XXXX to XX/XX/XXXX. I have reached out to the merchant directly which declines to offer me any information or proof that I signed up for their monthly service, hence why I disputed it with Citibank, the company I have my credit card with that was billed for these transactions. I filed this dispute in XXXX XXXX XXXX. I had called in XXXX and XXXX of XXXX and was told it would take an additional XXXX billing cycles to resolve. I called Citibank back today, XX/XX/XXXX, to follow up on the status and was once again told it would take XXXX billing cycles from today 's date. Im writing this complaint since it is now XXXX months since I filed this dispute and Citibank does not appear to be making any progress.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (PA)

Money was XXXX out of my account so many times back to back and when discover it I contacted my bank. But they refuse to refund me on ground that they do not have regulatory agreement with XXXX XXXX. When I contacted XXXX XXXX they told my bank will have to contact they and that they do not deal directly with a customer for refund. I contact my bank and relayed this information to them. They repeated their same answer to me that they do not have regulatory agreement with cash app and I have to talk to them directly.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

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 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-05-08
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-02-15
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: Experian Information Solutions Inc. (GA)

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I contacted the FTC and the police and Im doing this on my own behalf.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I am filing this complaint to dispute several inaccuracies on my credit report, which have caused unjust and incorrect damage to my credit score. Despite maintaining a consistent record of on-time payments, certain accounts are inaccurately reflecting late payments. I have never missed a payment on these accounts, yet they are erroneously listed as being 30 days late. The inaccurate accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports a 30-day late payment, but all payments were made on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reports a 30-day late payment, but all payments were made on time. 
FIFTH THIRD BANK, N. ( Account # : XXXX ) XXXX XXXX  Reports a 30-day late payment, but all payments were made on time. 
XXXXXXXX XXXX ( Account # : XXXX ) XXXX - Reports a 30-day late payment, but all payments were made on time. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow " reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The fact that these late payments are being reported despite my history of timely payments is a clear violation of this requirement.

These inaccuracies are causing significant harm to my credit score and financial standing, directly affecting my ability to secure credit on favorable terms and impacting my overall financial well-being. The errors in my credit report are unacceptable and must be corrected immediately to prevent further damage.

I have attached screenshots showing the inaccurate reporting from the credit bureaus to support my complaint. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that these incorrect entries are promptly removed from my credit report. The credit reporting agencies must be held accountable for ensuring the accuracy of the information they provide. I also request a thorough investigation into these discrepancies. If the credit reporting agencies are unable to furnish valid evidence, such as account statements demonstrating the lateness of these payments, I demand that these entries be updated immediately to reflect their true status as on-time payments, as I have consistently upheld my payment obligations without delay. 

I appreciate your prompt attention to this matter and expect that the inaccuracies will be corrected swiftly.
Consumer complaint received 2024-08-11
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (GA)

Under Section 1635 ( f ), if a lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures, an extended right of rescission is provided that expires three years after the transaction consummation date or upon the sale of the property, whichever occurs first.
Consumer complaint received 2024-08-12
Product: Credit 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: BANKERS HEALTHCARE GROUP LLC (WI)

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding $ XXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All 11 banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, samet siper and his accomplice XXXX XXXX. I ask you to notify these banks as well. As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXX XXXX XXXX, NY XXXX T XXXX M XXXX XXXX XXXX Kind Regards
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.