davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed account : XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFY XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX EXP REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2024-01-02
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. (NY)

This marks my third complaint, asserting my status as a victim of identity theft and disputing an inquiry in my file resulting from this criminal activity. The inquiries subject to dispute are unrelated to any transactions involving the acquisition of goods, services, or money that I have either made or authorized. Kindly expunge the record of this inquiry from my credit file, as it stems from an alleged identity theft. I also include in this complaint my newly filed FTC report XXXX XXXX  The nature of this inquiry is unfamiliar to me, and I hold reservations about its accuracy, especially considering that the information on this inquiry has been DELETED from other bureaus. Additionally, the reported payment history on this inquiry remains a mystery. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, and FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to remove any items in the file of a consumer identified by the consumer as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt. Please see the inquiry details for removal below : -- -- -- -- -- -EQUIFAX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (MI)

I originally took a Covid-related forbearance plan with United Wholesale Mortgage in XX/XX/XXXX. 

UWM started the forbearance plan in XX/XX/XXXX, and I requested and was granted an extension in XX/XX/XXXX for an additional XXXX months. I received HAF assistance to pay for the first XXXX months of forbearance payments in XX/XX/XXXX and applied in XX/XX/XXXX. 

Upon the completion of the XXXX  months of forbearance on XX/XX/XXXX, I requested a deferral of the payments and was approved for the deferral by UWM per the loss mitigatio

n specialist I spoke to. I never received an information packet, or a call from UWM 's servicing department regarding the approval or denial in the mail within XXXX  days as I was informed I would receive.

I assumed I was approved for the forbearance plan, and as I am in the mortgage industry myself, I called
UWM 's servicing department on XX/XX/XXXX in order to check whether the forbearance deferral was approved and to pay the deferred escrow balance and my XXXX months payment in order to not have any late payments on my mortgage. I was told that I never accepted the forbearance plan after I was approved ( I never received any information regarding this ) and that I would have to reapply for a payment deferral. I was told that there was no possible remedy for not receiving this in the mail or getting no call from UWM regarding this. I was told that I would not receive any late payments on credit for any of the payments in deferral from XX/XX/XXXX- XX/XX/XXXX. I requested to make my XX/XX/XXXX payment in order to not have a XXXX  day late payment on my credit report. I paid a total amount of {$4700.00} via ACH withdrawal authorized over the phone- {$1600.00} of which I was told would be applied to my XX/XX/XXXX payment, and the rest of which would go towards my escrow advance balance to bring the past due amount on that to {$0.00}. 

On XX/XX/XXXX, I received a letter from UWM regarding the approval of my deferral plan, informing me I must call by XX/XX/XXXX to accept the terms of the plan, to begin on XX/XX/XXXX. I called UWM 's servicing department on XX/XX/XXXX to make my XX/XX/XXXX payment and accept the terms of the plan. I spoke to XXXX, employee ID XXXX, who informed me that the payment I made on XX/XX/XXXX was applied as {$1600.00} towards my XXXX, XXXX and XX/XX/XXXX payments, and that the payment I made was not applied towards my XX/XX/XXXX payment or the escrow balance. I asked for this to be fixed and any incorrect items on my credit to be corrected. I was told by XXXX that I could not have these corrected, as she was told by her supervisor, and that I should not make my XX/XX/XXXX payment, or any payments until XX/XX/XXXX per the deferral agreement she now marked as accepted, as any payment I make would be applied towards my deferred ( now incorrect ) balance and could not be applied to my current payments for XX/XX/XXXX or XX/XX/XXXX.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-03-20
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: CBC Companies, Inc. (MI)

Innovis refuses to delete incorrect information that they are selling for profit. Innovis does not have my permission to use my name or the likeness of any of my personal information to profit. If innocuous believes they have a right to report this information forward the document that I signed that explicitly states I gave permission for this information to be released which puts my data in jeopardy of being stolen.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Hello, since XXXX I have been trying to get the bureaus to correct erroneous information reported in my report, however so far I have not received responses. I attach the letters that I myself have made and sent so that you can see the errors that I highlight to the bureaus and which they have ignored.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DC)

I recently pulled my credit report and notice that a collection on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( 7yrs ), however still reporting on my credit. They are falsely reporting accounts that have been closed and/or paid off and my credit score is Inaccurate. Creditor is XXXX XXXX and the Account number is XXXX with a Balance of {$990.00}. This should not still be showing up on my credit report. This account was open XX/XX/2015 and the account was settled. This account is way past the FCRA statue of Limitations and I ask that this account be removed from my credit report IMMEDIATELY. This is a violation of the Fair Credit Reporting Act. I have disputed this item before and it is still reporting on my credit report inaccurately. 

Thank you XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am submitting this complaint to CAPITAL ONE due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

After filing a dispute on my credit report for an account XXXX and or XXXX XXXX Ive noticed discrepancies being reported on all three credit bureaus this account was settled and paid but shows different balances for each credit bureau for the same account
Consumer complaint received 2018-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

The original debt was charged off in XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this collection post is a complete fraud perpetuated against Experian, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company.
Consumer complaint received 2024-03-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (OH)

I have not been able to access my exchange account on crypto.com since XXXX. I have emailed everyday to every email that I can find for this company. I just receive scripted bot responses.Also the chat response is stuck and I cant access it. Also when I looked for their social media customer service my XXXX wallet was compromised and they stole {$210.00} from my wallet pretending to be crypto.com customer service on XXXX. They said that my wallet needed rectified to my original account. These are XXXX separate things. Bad customer service leading to scammers posing as crypto.com customer service. Also the same type of thing on XXXX with a scammer. I have no idea if either of these scammers got access to my exchange account because I cant log in to check it. I have a good amount of money on this exchange but I cant access it. Ive had this account for 4 years and didnt have any problems. The only response that I got in the beginning of this problem was that they suggested forme to change my email with them. So I did and they supposedly changed it but now neither email is connected to my original account and phone number. So I still cant log in. I am at my wits end and dont know what to do.
Consumer complaint received 2023-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Royal Pacific Funding Corporation (CA)

After 3 years of working with the lender to obtain a loan modification to save my home from foreclosure, on XX/XX/2023, the lender offered me an approved Loan Modification XXXX with a XXXXmonth Trial payment Period Plan. The terms of the trial payment plan were that If I accept the offer, and make payment for XXXX months ( XXXX, XXXX, & XXXX ), the lender will send me the final loan modification document to sign, and the new loan payment term will be final. I accepted the offer, and I made the payments for XXXX, XXXX, and XXXX. I wrote the lender on XX/XX/XXXX requesting the Loan Modification document so I could sign - The lender never responded to my written request. I have made multiply calls to the lender, it is now XX/XX/XXXX, and I have yet to receive any loan modification document from the lender to sign, nor has the lender sent me any written communication to inform me of the status of the loan form or when I will be receiving the forms to sign. I am requesting that the lender send me the final loan modification documents to sign per the terms of the approved loan modification plan they presented to me on XX/XX/2023.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian has continued to report inaccurate information on my credit report even after I have sent in proof that information was incorrect. I have disputed the last payment date and current balance from XXXX XXXX!! I called them and got updated info as well as went online and got information which does not match what is showing on my credit report!!!!! That is a violation of the Fair Credit Reporting Act, they have failed to properly investigate and review the information that I have sent them on multiple occasions!!!!!!!
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MS)

I made a purchase with my cashapp card and few days later I returned items for a refund. Seller issued refund to my cashapp card and claimed it would be a few days and I would see my refund. It has been 40 plus days and I do not see my refund. Cashapp claims to deny it. Im not happy
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2023, I opened a checking account online because someone who holds an account at the same financial institute, Capital One owed me money. She asked me to open an account with Capital One so the money can be transferred/credited without any issues. On XX/XX/XXXX, that person deposited the money into my account via wire transfer and said that they were charged {$30.00} for the wire and the whole amount of {$21000.00} plus {$30.00} was debited from their account right away. Those funds were showing as the current balance but not as available balance in my account. In fact, those funds were never made available in my account. When I checked my account on XX/XX/XXXX, those funds were in available balance, but the message said " Your funds are currently not available for withdrawal. Please call us at XXXX ''. When I tried to contact the bank at that number, they said they don't have a record of that transaction. And few days later, the funds were gone, and the balance showed as XXXX and they closed the account. So, we asked the person to send us the checks for that same amount so we can deposit it into my other account, and when they did, I deposited into another financial institute and those checks cleared without any issue. 
Few months later, when I went to open an account at XXXX and XXXX XXXX, I was unable to open it due to being reported to early warning. That was a shocking news for me because I never did fraud of any kind. 
The money was deposited into my account, and it wasn't me who attempted any fraud. 
I have screenshots and pictures of the transactions. 
I failed to understand the reason for reporting me to early warning as I have not done any fraud. I was received a wire transfer from the same Capital One bank account holder and I didn't write any fraudulent checks. Why was I reported for no fault of my own? 
Please correct that error, so I can open new accounts and continue on with my business. 
I want this corrected right away please. This was reported erroneously as I see no reason to be reported.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I closed my account with Citizens bank XX/XX/2021. The keep re-opening my account and charging past due fees and reporting to the credit bureaus. They say that anytime some tries to collect money from my account they re-open it. I end up with negative balances and penalties. This account has been closed XXXX times now trying to work with them They are destroying my credit and holding me XXXX to them.
Consumer complaint received 2024-04-19
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. (VA)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.
Consumer complaint received 2023-12-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIZENS FINANCIAL GROUP, INC. (NE)

Trying to sell our house and have the buyer assume our mortgage. It has been 90 days. We've been lied to, refused to give information, told we couldn't get updates on a loan that is under our names. We still to this day have had 0 communication from Citizens.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Issue is that my account got closed by Chase bank because the check I deposited in my bank account could not be verified. 
Now, Chase bank is holding {$7400.00} because they can not verify the check. I reached out to issuer of the check and they stated that Chase bank shouldnt hold funds whatsoever as the funds are cleared in their system. 
My account closed on XX/XX/XXXX and a XXXX XXXX check charge of {$7400.00} was made, meaning a check of the remaining funds was mailed out to me in a form of a cashiers check. However, on XX/XX/XXXX I received a checking summary of the balance of {$0.00} because I have not received my funds. 
On XX/XX/XXXX I also received a cashiers check of {$24.00}, which I dont recognize that amount. 
This is a very bad fraudulent action on behalf of Chase bank. I want to report my account as fraudulent and Chase needs to close my account and not have the check clear on their end because they are keeping the funds??
Consumer complaint received 2024-03-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (NY)

My XXXX loan is managed by Navient even though it is a XXXX loan. At the time I borrowed it this was the only option. I have taught for nearly 30 years and paid for at least XXXX. I should get the XXXX but my type of loan is not included. My loan should be forgiven. My husband 's small loan is consolidated so I could not transfer my loan to the XXXX XXXX department. It is XXXX hoop after another that will mean I pay nearly {$300.00} a month into my late XXXX 's. My loan should be forgiven. We will pay the remaining balance of my husband 's loan. Please help me find a solution.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.