davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (CA)

I am making a CFPB complaint against Possible Finance INC and all 3 credit reporting bureaus. On XX/XX/XXXX, Possible Finance INC reported a charge off as a major derogatory mark on my credit report to XXXX in the amount of {$290.00}. Per IRS Publication 4681, Charge offs on credit report are certificates of indebtedness which becomes income and income can not be reported to your credit report. Prior correspondence was sent regarding the issue on XX/XX/XXXX to the Chief Finance Officer of Possible Finance Inc, XXXX XXXX. 

I am making a CFPB complaint against XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX reported a major derogatory mark on my credit report to XXXX in the amount of {$1100.00}. Prior correspondence was sent to the company on XX/XX/XXXX where I exercised my right to opt out per 15 USC 6805. 

I am also making a complaint against XXXX XXXX XXXX and all 3 credit reporting bureaus regarding pure accuracy reporting per 15 USC 1681. As of XX/XX/XXXX, the payment reflection on the report is inconsistent for all 3 reporting credit bureaus. Prior correspondence was sent on XX/XX/XXXXXXXX  to the CEO of the company regarding the issue.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PR)

My account with XXXX XXXX XXXX XXXX XXXX was locked due to suspicious transactions using the internet to acquire goods over {$700.00} dollars. 

The bank never contacted me again and allegedly had no more information to provide concerning the unauthorized transaction. 

Also, the are allowing other transactions from apple store not authorized by me, even if it is directly through the bank or any of the XXXX  virtual or physical stores. 

Financial transactions and statements are not clear and/or explain the transaction details or precedence of the transactions or payments authorized.
Consumer complaint received 2023-12-22
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Unable to place lock in XXXXequifax.com Unable to place security freeze using my.equifax.com Unable to lift a security freeze using my.equifax.com Getting errors every time without any solution, called several times with no resolution.

Only way to place a security freeze is through phone call, but their authentication method is a nightmare, if you fail they will ask to submit your request in writing through regular mail which could take several business days!

Not my case but as an example by the time the " mail '' arrives to Equifax office fraudsters had already applied to several accounts leaving customers vulnerable with no protection. 

Or vice versa, if trying to lift the freeze and having to wait several days, then your auto loan, mortgage application, credit application will be delayed as well.
Consumer complaint received 2024-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

The original company XXXX sent me a past due bill notifying me that I owe {$240.00}. However, on XX/XX/XXXX I received information from XXXX XXXX that this debt has been acquired by AmSher Corporate, and the new amount owed is {$730.00}, which I find to be extremely surprising and inaccurate. Upon contacting AmSher Corporate, I was provided with payment options without any explanation of the bill, in a manner that I found to be quite rude. At this point in my life, I am experiencing financial hardship due to unemployment and lack of savings. The company has offered me the option to start making payments by mail, as I currently do not have sufficient funds in my accounts. Furthermore, they were unable to verify the date of birth I provided, insisting that it was incorrect, despite my certainty regarding my own date of birth. This has led me to believe that the company may be engaging in questionable or even illegal practices.
Consumer complaint received 2024-04-24
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)

I reviewed my consumer reports and I noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late payments for the accounts that I have included screenshot inside the complaint on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you, Please see the attached file.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within XXXX  days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-04-24
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

At XXXX on XX/XX/2021 Somehow an individual was able to hack into my Cashapp account which was linked to my XXXX banking account and fraudulently transfer {$450.00} to themselves, also diable my phone notification so that I was unaware.
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-04-24
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2021-07-03
Product: Credit card or 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: Block, Inc. (FL)

Cash App, a subsidiary of Square., is holding preauthorization charges on my account triple the typical amount of time such charges are usually held, thus effectively playing keep-away with my funds that I should have access to. This financial technology company, Cash App, is also mishandling disputed transactions and it appears to have no customer service number whereby customers can speak with a live agent ; there is only chat, text and email options the protocol of which keep changing.
Consumer complaint received 2024-04-24
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NV)

I am writing to formally dispute an inaccurate entry on my credit report, as governed by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. After recently reviewing my credit report, I have identified a misleading entry and incorrect information that requires immediate attention and correction. 

The disputed information is related to the following entry : Creditor : Jefferson Capital Systems Account Number ending in XXXX Amount {$2200.00} I assert that this information is not only incorrect but also violates the Fair Debt Collection Practices Act ( " FDCPA '' ). I have never had an account with Jefferson Capital Systems, and there has been no history of delinquency on my part with this company. I have not entered into a contract with Jefferson Capital Systems nor gave it permission to report any information onto my credit report. This inaccurate entry is not only damaging my XXXX XXXX but also constitutes a violation of my rights under the FDCPA. 

Unless a member of Jefferson Capital Systems will attest under oath and under the penalty of perjury that I have a contract with Jefferson Capital Systems, I demand Jefferson Capital Systems delete the account and remove it from my credit report with all three credit agencies. Jefferson Capital Systems is in violation of 15 U.S.C. 1692e ( 8 ) by reporting inaccurate information and 15 U.S.C. 1692g in regards to verification requirements which I will seek monetary damages if the inaccurate report is not deleted from my credit report. 


I demand Jefferson Capital Systems deletes its entries made to my credit report in accordance with 15 U.S.C. 1692g. It is important to emphasize that the Fair Debt Collection Practices Act provides consumers with specific rights and protections, and I am prepared to take any necessary legal action to ensure the accuracy of my credit report and the preservation of my rights under the law.

I sent ( 2 ) letters to XXXX  requesting the same which it never responded. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I was scammed by a hairstylist through cash app. I reached out to cash app and they basically told me they couldnt do anything. Cash app let people take your money out your account but wont refund it back out the same account. They run as a bank with having a checking account and routing number but yet they will not dispute a scam even after you have proof. You can not talk to anyone on the phone. She deleted her interactions but before she did I took photos of everything.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (FL)

This complaint is against Wells Fargo, revolving around their settlement with the CFPB We received 3 letters from them saying they owed us around {$7000.00} for penalties of their wrong doings.

here are the reference numbers from WF : XXXXExact amount not known. Wells didn't/could n't tell us. 

XXXX-amount due us {$2000.00} XXXXamount due us- {$2400.00} I have no way to determine if these amounts are correct. They expect me to take their word for it. That has not worked out too well in the past. 

I have called them many times. Mostly about number # XXXX and XXXX Called once on XXXX. 

ON XXXX Called on XXXX-spoke to XXXX. It is in the process of being mailed. 

On XXXX on XX/XX/28 at XXXX XXXX  spoke with XXXXexpect it in 30 days. 

on XXXX I have called at least 5 times, that I have some notes on : XXXXLeft message XXXXleft message XXXXspoke with XXXX XXXXspoke with XXXX XXXXspoke with XXXX. 

Every time their excuses are that it is in their process, the system, and is almost ready to go out! 

I am tired of waiting, and being lied to. 

I want my money, along with a complete accounting of how they arrived at those numbers. The name Wells Fargo would be a good name for a bank
Consumer complaint received 2023-03-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Dear CFPB : I have a HELOC loan with Huntington National Bank. AccountNumber XXXX. Back in XX/XX/2023, Huntington National Nank asked me to provide flood insurance for the property. I called them and uploaded all of the required proof of insurance and the Huntington representative told me that I am fine with the insurance requirement. However, today I just found out my HELOC was charged {$830.00} for insurance that I didn't authorize to pay. I didn't get any notice or warm for this charge.

I tried to call Huntington National and was told the customer service of their HELOC department is not working on the weekend. 

Hope CFPB can help solve this issue on the unauthorized charge. 

Thanks a lot! 

XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-04-24
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc (MA)

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Date : I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of my account Account name : XXXX XXXX XXXX Account XXXX : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. my info ive been stolen in XXXX my XXXX card i did a report to the police station in XXXX cause i hade to go to court about identify theft in XXXX i do have multiple police reports.
Consumer complaint received 2024-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I have been asking for help since XX/XX/XXXX from my lender. asked for forbearance and was told I didn't qualify for any programs for assistance although I still sent applications for assistance. now it's XX/XX/XXXX and they still will not help me. preparing legal papers for foreclosure now. 
I also applied for help from HAF AZHousing and was told my application was rejected or not completed when I saw my application on my account. they are out of funds now everywhere I apply. This was in XX/XX/XXXX. I don't understand why I'm not able to get a deferment for 3 months. Select Portfolio Servicing refuses to help me still.
Consumer complaint received 2023-10-03
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. (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. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or 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.