davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I filled disputes with the credit agencies via the CPFB web site, each agency, the date of submission and the CPFB case number is listed below XX/XX/2023 - Equifax-XXXX XXXX XXXX However , the credit bureaus said they completed my investigation and everything was 100 % accurate for majority of the items that I disputed. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation? 
Did they only communicate with the companies listed on my credit report to verify information? 
Which one of my neighbors, friends or associates did they have a personal interview with? 

In the complaint I sent, the below accounts on my credit report were being disputed. 
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 XXXXXXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (WA)

On XX/XX/XXXX I tried to pay my loan off in full and close the account. XX/XX/XXXX I called to get some help on the matter and was advised a ticket was going to be put in. On XXXX, XXXX, and XXXX I called and 3 different call representatives put in tickets and gave me the run around. One advised me it was my bank to get me off the phone. I called my bank and they had no record of the issue and assured me it was a MoneyLion issue. The others did the usual ticket created routine and didnt even try to help me with the matter and one even going as far as mocking me for being annoyed at the inconvenience of waiting an additional 2 weeks to get the matter resolved. As of XX/XX/XXXX, there is still no resolution to this problem and my account is racking up fees for being late.
Consumer complaint received 2023-12-27
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: GOLDMAN SACHS BANK USA (TX)

I had identity theft committed against me by a tenant who lived in my house. They had access to my electronic devices, mail, and phone on the account of not believing that someone I knew would steal from me. They opened an account and made numerous charges to my card, and even set my own bank account as autopay using small purchases so that it went unnoticed until I changed banks. Once I changed banks they used fraudulent accounts resulting in termination and collection efforts at which point I was alerted that something is wrong. A police report has been filed, identity theft reports. None of these charges were authorized, or benefitted me, and I was unaware of them. This was a felony white collar crime committed against me and Apple/Goldman Sachs refuses to properly investigate this and remove these charges and credit reporting.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (OR)

XXXX XXXX loan company or XXXX shared my loan information to XXXX XXXXl without my permission. 
I paid back my entire loan amount to XXXX XXXX I never wanted any other loans I dont want a loan from XXXX XXXX XXXX XXXX All I could do was delete XXXX XXXX email.
Consumer complaint received 2023-05-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXXXXXX XXXX XXXX  {$26000.00} XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX XXXX XXXX1600.00}
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IL)

I have had ongoing issues with incorrect credit card balance reporting by XXXX XXXX on my credit reports prepared by the three major credit reporting agencies ( XXXX, XXXX, XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like XXXX XXXX to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a CRA. Specifically, my XXXX XXXX account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. My XXXX XXXX account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by XXXX XXXX. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. Despite my providing their own account statements showing the correct lower balances, XXXX XXXX has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). XXXX XXXX and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.
Consumer complaint received 2023-12-27
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (OH)

We have a escrow account from our insurance check the mortgage company who cashed the insurance check they will not send it back to us to get our home repairs done we already had repairs done and that ccompany is waiting to be paid but the mortgage company will not give us the money back to pay the roofing contractor after they completed the work all documents have been sent to newrezllc it's a nightmare dealing with this company we need to know if we should contact a lawyer at this point.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX of 2023 I contacted Capitol One to check if there was a credit card opened in my name after I received a card in the mail with my name on it. Capitol One informed me that I was {$1400.00} in debt for a {$1300.00} credit card. I informed Capitol One that it was fraud & to close the card. I then sought legal counsel and was instructed to have Capitol One file a dispute and open an investigation because I did not authorize the account to be opened and never agreed in any form to be responsible for the card. I successfully faxed over an 'Identity Fraud Information Form ' in XX/XX/2023 which Capitol One states was illegible but never informed me of the document 's illegibility until XX/XX/2023 after Capitol One informed in XXXX of 2023 that I would be held responsible the credit card account. I asked Capitol One to send me the affidavit/agreement that was signed showing that I authorized the account or agreed to be responsible. Capitol One agreed to send me information within 30 days but later denied to send me the info.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

MY IDENTITY WAS STOLN AND I DO NOT KNOW OF THAT DEBT AT ALL. IT WAS TWO DEBTS WHICH IS FROM ARS FOR {$800.00} AND XXXX FOR {$640.00}
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. ()

My business bank a/c with Chase bank was XXXX in XXXX of XXXX  without any notice. A check for the a/c balance of {$110000.00} was issued to my US business and mailed to my XXXX postal address. It arrived sometime in late XXXX. I was travelling in XXXX for business at the time. 
For several months, I've been trying to find resolution to cashing this check and retrieving my business funds with no success. 

XXXX of the issues is that the postcode printed on the check is incorrect so no banks in XXXX will accept the check. 
The second is that it's made out to my US business so can not be lodged to my XXXX business account. 
Third given the significant sum of the check, I am unable to lodge the check remotely to my XXXX  XXXX XXXX account. 

I have tried multiple avenues and called Chase several times at numbers provided, requesting a new check or alternative method to receive my funds. All have said there's nothing they can do to help. I have requested to speak with someone more senior several times, was informed I would receive a call back and it hasn't happened in XXXX month after multiple calls. I have tried to contact XXXX XXXX personally too but have not yet received a response. 
In addition, XXXX XXXX, the bank VP who opened my account and was my client manager, appears to no longer be with Chase. 

To further complicate things I am due to move address again in the next XXXX months so it will be even more difficult to verify the address is was sent to as I won't have access to the mail there/have any back up documentation that it is still my address. 

I spoke with XXXX personal contact who were former and current chase branch employees. They recommended at this point I reach out to you directly to find resolution. 

I have a personal Chase account and if the money could be lodged to that I can access the funds there and/or wire to another account. I am the CEO and 100 % shareholder of XXXX XXXX XXXX so the money is mine. The delay in accessing these funds has severely disrupted my ability to run my business for the past XXXX months, it has created huge losses for me. I need resolution asap to access my money so I can move ahead with running my business.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Penfed was contacted via email/phone on XX/XX/2023. In response, an Penfed instructed me to send a Hardship Application to XXXX along with supporting documentation. I was sent a response of the application requesting documentation that was not clearly specified on the application. And one in particular was a request of medical documentation during XXXX, as I had constracted the virus temporarily unable to work ( XXXX XXXX XXXX ). 

I replied giving a statement asking to please specifiy what kind of documentation that isn't infringing on HIPPA laws as it is my right to privacy. I also, sent over documents showing that I am on government aid and assistance. I was given 10 days to respond only be rejected within said time period with no further explanation other than you didn't gather all the documents. Upon taking a closer look, says OR and I sent an exceedingly amount of information to help them make a decision during my crisis. 

During the time of my sickness XXXX XXXX, I was not able to make payments nor did I have the ability to afford my loan. I had called requesting assistance only to be misdirected and avoided. I also, incurred hundreds of dollars of late fees as well as autodraft REJECTION fees. The rejection fees as I understood it were from an autopay that never fully processed. Something that I personally disconnected online when I was no longer able to make payments. Which didn't stop incurring fees even after the account was closed. 

The rejection fees were brought their attention when I noted that these were not your standard late fee payments and requested for these payments to be removed. They removed one payment only and the interests have increased significantly. I really need some help and unfortunately this companies ethics is deteriorating.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Indie Technology DBA Found (TX)

XXXXXXXX XXXX XXXX took a vehicle back that was a rental in progress and when they repossessed the vehicle they also took my personal belongings very valuable items and I was not able to recover those they then later slapped a huge charge of over {$2000.00} on my account for a rental which had no explanation it made no sense I've been disputed the amount with my bank because there was more than the weekly cost of what the rental would normally be and the bank has not actually resolved this in my account is currently negative and has been facing numerous charges chargebacks and it's caused a lot of inconvenience because I'm not able to pay certain things using that account since it is negative and the dispute of charges is ongoing
Consumer complaint received 2023-07-14
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: American First Finance, Inc. (FL)

I got a notification off my credit card email stating my credit score decreased. Very confused, I signed up for XXXX XXXX and found that my credit score decreased because of an unpaid loan. I do not own any sort or type of loan. I live in Florida and this loan company originated in Texas. I called the number and they say they can not help me because they do not know whose loan is under my report without information.
Consumer complaint received 2023-05-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

GENESIS CREDIT MANAGEMENT ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$57000.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MD)

On XX/XX/year> I received a different collections notice from Credit Collection Services stating that they are a debt collector attempting to collect for XXXX XXXX XXXX. I already have a complaint in your system against this Collections company. When I opened the letter I saw that the letter was dated for XX/XX/year>. I do not know how this debt collector has my insurance and continuously keeps harassing and intimidating me into paying a debt that is not mine. I can only assume that someone has given them my personal information. Just as my first complaint about XXXX XXXX, it is very similar to this and it seems that this debt and these insurance companies have a system of fraud in place, whereby, the attempt to pressure people into paying debts that are not theirs by the threat of ruining their credit. Enough is enough! I have had all I can mentally take and I attend to use every legal means available to remedy the situation so, again, I'm my new complaint. 
Please, take note of when I received the notice which was XX/XX/year> but the letter is dated to make it appear as though I received the notice in XXXX. They seem to be attempting to cover their tracks by having no debt stamped on the envelope as well. 
Thank you, very much for your assistance.
Consumer complaint received 2024-03-14
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. (MD)

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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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