davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Employer - XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Previous Address - XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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  Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data.

Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-05-06
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. (TX)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-06
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. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-06
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 XXXX. 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
Consumer complaint received 2024-05-06
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)

The account XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX is to be DELETED from my credit report immediately. The collection agency responded to CFPB complaint XXXX informing me that the credit reporting agencies were notified XX/XX/2024 to remove the derogatory account from my credit report, but it is still reporting. Please see the attached complaint response from XXXX XXXX XXXX and remove this account from my credit report within 7 days. XXXX, Equifax, and XXXX are in violation of the FCRA for furnishing false and misleading information even after they were informed by the collection agency to remove this account. I will be seeking legal action if this account is not removed immediately. It has been over 45 days since you were informed.
Consumer complaint received 2024-07-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I paid my car bill on time in XXXX XXXXXX/XX/year> as usual, but most likely due to the XXXX XXXX, my payment was delayed by 30 days. I just saw this now. I aiways pay my bills to avoid issues with my credit history
Consumer complaint received 2024-05-06
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)

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, Under 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 and 15 USC 1666B. 

XXXX XXXX XXXXXXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Balance - {$5.00}, this is incorrect. 

This information is incorrect from XXXX. 

Late Payments aren't supposed to be on a consumer 's credit report and XXXX XXXX  XXXX and XXXX didn't follow the proper guidelines to inform me about late payments on my account. By violating the guidelines of 15 USC 1666B - Timing Of Payments, They didn't send me any notice. They have ruined my credit score of XXXX points and I believe I was targeted. 

Best, XXXX XXXX.
Consumer complaint received 2024-05-06
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. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX  and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (FL)

XXXX XXXX around XXXXXXXX XXXX my phone was stolen. Same day same time I had XXXX unathorized transactions occur. XXXX payments equaling XXXX through XXXX XXXX. XXXX payment equaling XXXX through chimes pay anyone feature. All unauthorized by me. I filled dispute for the XXXX XXXX XXXX transfers on XX/XX/XXXX, and received temporary credit. Fast forward to today XX/XX/XXXX I finally received my approval for the dispute. My XXXX dispute for the XXXX transaction of XXXX $ through chimes  pay anyone feature keeps receiving decline after decline. They say theres was no error found. I keep filling rebuttal after rebuttal. Providing new documents. Even police reports. Still receiving denial after denial. Theres clear evidence that this wasnt me. If they did a real investigation.
Consumer complaint received 2024-05-06
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 was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-05-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The listed companies on the attached files that were also mailed out to the 3 credit bureaus exemplify the abuse that I endured. Contacting third parties, such as my employer or friends and family, about the debt. Falsely representing the amount of the debt or the legal consequence of non-payment. Making misleading or deceptive statements. 

These actions have caused me undue stress and emotional distress. I request that the CFPB investigate these allegations and take appropriate action against the companies listed on the attachment to stop the harassment and ensure they comply with the FDCPA.
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

XX/XX/year> around XXXXXXXX XXXX I went to a store location to add money to my cash app account. than at XXXXXXXX XXXX the {$220.00} I had just had loaded into my cash app account wasn't there. My account was hacked and my money was gone. 
As soon as I see my money gone I do what is suggested by cash app and I started aive chat with cahapp support where I reported the fraudulent activity followed by me asking for a refund. Than they said they'd look into it. The next day I didn't hear from them i think it took a week for them to tell me they didn't find any error and refused to refund me my money. Thats when I asked the if they could tell me whichp device took that off my account and again they refused. So Im extremely frustrated
Consumer complaint received 2024-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

On XX/XX/XXXX, I received a response from Mohela stating that they refunded a payment of {$650.00} which caused my account to go past due by over {$1300.00}. This statement is misleading and is not accurate. Mohela has no record of a cashed check and once again is making false claims. 

At the end of XXXX to XX/XX/XXXX, I was forced to make XXXX payments on loans that were not due and Mohela kept the payments and did not properly apply them to my loans. My loans should be paid through XX/XX/XXXX. The XXXX payments should cover XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In place of applying the payments properly Mohela, held the payments, would not apply them and placed my accounts in a past due status. 

In addition, I submitted my PSLF form in XX/XX/XXXX that would forgive XXXX loans ( loan sequences XXXX, XXXX and XXXX ) and instead of applying the PSLF, Mohela, claimed that I had XXXX more payments due. Once I submitted proof that they manipulated the number of payments due, they claimed that my PSLF was missing data. So, I submitted a second one in XX/XX/XXXX, they claimed again that it was missing a signature. On XX/XX/XXXX, I submitted a third form which they have ignored and refused to apply. To date, this XXXX form has not been applied which would have forgiven XXXX ( loan sequence XXXX, XXXX and XXXX ). 

In their continued untruthful responses Moehla continues to point to loan sequence XXXX which was forgiven by the Biden Administration ( XXXX time forgiveness ) and not due to a PSLF form being submitted ( see attached ). 

Prior to my proving that this company has been manipulating loans to avoid having to forgive them, my loans were all current. When I began to fight them, they began removing payments and etc. in an attempt to make my account past due. 

I stand by the fact that my loans are not past due and my PSLF forms are correct and complete. This company should be held accountable for the intentional mishandling of loans and should have to correct all of their intentional mistakes. In addition, I believe that members of the company should serve jail time for fraud and for attempting to steal money from the public including the ones that are intentionally providing false information to the CFPB.
Consumer complaint received 2024-05-06
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. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and Transunion credit bureaus have already updated their records for this account. Please delete this account as well XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Here is a quote taking directly from the Wells Fargo Website " Your Wells Fargo Credit, Debit, ATM, and Prepaid Cards are covered by Zero Liability protectionFootnote XXXX XXXX at no extra cost. If your card or card number is lost, stolen, or used without your authorization, you are not held responsible for promptly reported unauthorized card transactions ''. 
I have had two fraud claims denied by this bank who is suppose to protect my money in the first place. How was someone even allowed to steal money from me. One for a transaction of over XXXX to a jewelry store. I don't even wear jewelry. The second to XXXX companies. I need my money back pronto. DOnt want to hear about a pin being used as ATms have card number and scimmers attached to them always.
Consumer complaint received 2024-05-06
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)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-06
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capital Accounts, LLC (NY)

Dispute Regarding Inaccurate Information on My Credit Report! 

I am writing to dispute an error on my credit report. The issue pertains to not able to get a credit card because of it I kindly request that you investigate this matter and correct the information on my credit report. The accurate details should reflect Thank you for your prompt attention, if you need further information Please contact me thank you XXXX XXXX
Consumer complaint received 2024-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

Hi, Mohela is horrible. I have made monthly payments for the following months : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - Additionally, they took out {$270.00} from my checking account for the month of XXXX when I had already made that payment. 

Overall, I have paid off {$2400.00}. However, XXXX and Mohela are showing that I have only paid off {$800.00}. There is roughly {$1600.00} that is unaccounted for by them. This is ridiculous. 

I had requested Mohela to share with me documentation of my loans that they have received by them. They sent me a link with this information that led me to the old Mohela platform, so I am unable to view this. I suspect that their information is incorrect as well. 

At this point, I want to just pay off my loans all at once to not have to deal with Mohela 's incompetence. However, I can not do so until they can confirm that my money didn't disappear and they update both XXXX and Mohela to show the correct amount for my loan payments.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed several items on my Credit Report with Transunion and its been more the 30 days. ( 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them )
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/2024 I wrote Comenity requesting reversal of Comenity 's detrimental submittal to credit reporting bureau XXXX and perhaps others that I was one month late in paying this card. The delay was not my fault as I set up auto-pay of the total balance due for this card as I have done for all my other accounts for which the funds should have been withdrawn on time. Instead, the system delayed the withdrawal. This has never occurred on any of my other accounts all of them and always withdrew on time and immediately after I set up the autopay. That Comenity took too long to withdraw should not be a detriment to my credit. As soon as I received notice that the payment had not been made on-time, I paid the full balance due on the Comenity AAA card site, which indicates my responsibility to timely pay my accounts. Until this time, I have never had a detrimental reporting to a credit bureau.

Comenity denied my request to reverse, so this detrimental reporting is still on on my XXXX and perhaps other reports.