davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (AR)

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

Today XX/XX/2023, I received a random text message saying welcome to XXXX Mortgage as of XX/XX/XXXX we will be the new mortgage service provider for your account which was held with Rocket Mortgage. It is my understanding that I am to receive a 15 day notice from the new mortgage servicing company and a 15 day notice from my current mortgage servicing company regarding the sale of my mortgage. I have received nothing from either company and supposedly the transfer takes place tomorrow. I have no information on new account numbers, how to access mortgage information, how to pay mortgage, status of escrow account et cetera. I do not know if the text message is a scam as I have received nothing official.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

To whom it may concern : Upon inspection of my credit report, I noticed the following information is incorrect : My full name is : XXXX XXXX There should be no other names listed on my report. Please remove any other names you have listed as they are incorrect. 
My date of birth is reported incorrectly, my correct date of birth is : XX/XX/1988. 
My social security number is reported incorrectly, my correct SSN is : XXXX My current address is : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Any other addresses are undeliverable, and I have no access to them. Please remove any incorrect addresses immediately. 
My current employer ( s ) : XXXX XXXX. 
There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. 
Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Dear CFPB, For some reason, sometimes my bank " w # lls fargo '' back charges fees., for example today is XX/XX/2023. I go back a few days, I do not see a banking fee charge on XX/XX/2023 as usual., however, tomorrow XX/XX/XXXX, I may go back to the XXXX or XXXX, I may then see the expected charge ( e.g. {$15.00} USD ). 

Wells Fago is located by my usual home residence in the XXXX zip code XXXX XXXX, XXXX XXXX, CA XXXX.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have written to the original credit who is   XXXX   XXXX   XXXX   XXXX   The information is being reported inaccurately, The notice receive first indicated that they were reporting correctly but   XXXX   XXXX  ,   XXXX   XXXX    or   XXXX   XXXX   has yet to show me evidence of my signature bearing this account. I have not been given, the evidence of the validation of the correct measure by law and the Fair Credit Reporting Act as well as who or want person name, address or telephone to whom was supposed to validate that I owe this company. A computer print out by an employee going through a data base is not the proper proof of an debt owed by me.
Consumer complaint received 2023-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I had a Venmo account that I lost access to due to my purse being stolen with my phone and debit cards in it, so I reported it to Venmo so that they would close it, thinking the account was closed, I opened a new account, deposited XXXX with no problem until I tried purchasing then I was informed my account was frozen due to identity verification issue so I sent them a picture of me holding my driver 's license. Then instead of resolving the issue I get another email stating my account is now closed because I broke user agreement that they are going to hold my funds for 180 days it has been over 180 days and they are telling me they are going to hold my funds longer, no reason given and not to reply to email.
Consumer complaint received 2022-11-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

FOR THE PAST FEW MONTHS I HAVE BEEN TRYING TO GET AHOLD OF XXXX XXXX BUT I HAVE NOT HAD ANY RESPONSES. I SENT MULITPLE DISPUTES AND GOODWILL REQUEST BUT HAVE HEARD FROM NO ONE. 

I REGULARLY MAIL MY PAYMENTS TO XXXX XXXX. ON A XXXX OFF SITUATION, MY CHECK WAS STOLEN AT THE POST OFFICE THEREFORE CAUSING MY ACCOUNT WITH XXXX TO BE LATE. AS SOON AS I FOUND OUT, I SATISFIED MY OBLIGATION. AS YOU CAN SEE, THIS IS COMPLETELY OUT OF MY CONTROL AND I AM ASKING WITH HUMILITY THAT MY LATE PAYMENT WITH XXXX BE RECALLED AS A RESULT OF FRAUD/THEFT. 

I HAVE ATTACHED MY LETTER I SENT TO XXXX BEFORE AND ALSO INCLUDING A POLICE REPORT I FILED ABOUT THE CHECK THEFT. PLEASE HELP WITH INVESITGATING THIS ISSUE AND RECALLING THE LATE PAYMENT.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (TX)

On or about XX/XX/XXXX I noticed that my account was very low. When I checked my account statement, there were XXXX  transactions from places I had never shopped which occurred while I was at work. On XX/XX/XXXX, XXXX transaction for {$100.00} and another for {$400.00} about XXXX minute apart from each other at XXXX in XXXX, TX. Also on XXXX, XXXX transactions were from XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX were about XXXX minute apart. The transactions were {$990.00}, {$990.00} and another for {$990.00}. The last transaction was on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, TX for {$500.00}. I've never been to these places. I called Money Network when I noticed the charges ( XX/XX/XXXX ) and they canceled it and issued a new card but did not refund the money. I disputed the transactions with Money Network on XX/XX/XXXX but they denied my dispute so I appealed the denial on XX/XX/XXXX which they also denied. They have no email address and the phone number leads to a call center in XXXX. Money Network have been of no help. The debit card was in my possession at all times and no one else knows my PIN. Money Network is the debit card that I received from my workplace for direct deposit of my income. I have no idea how these transactions occurred.
Consumer complaint received 2024-03-29
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. (AL)

Hello CFPB, 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. 

XXXX XXXX XXXX # XXXXXXXX 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  Dept of ED/XXXX XXXX XXXX XXXX, Dept of ED/XXXX XXXX XXXX XXXXXXXX, Dept of ED/XXXX XXXX XXXX XXXXXXXX, Dept of ED/XXXX XXXX XXXX XXXXXXXX,, Dept of ED/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 XXXX : # XXXX XXXX MN CHILD SUPPORT ENFORCEMENT : # 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.
Consumer complaint received 2023-06-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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. 

XXXX XXXX XXXX Acc XXXX XXXX XXXX XXXX  Acc XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX  Acc XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX. Balance {$1700.00} 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my second time filing a complaint about this account .CFPB Complaint # XXXX i received closed on my complaint and iam not understanding why XXXX XXXX will not fix this. with the laws of Physics if i pay {$380.00} twice a month for the last six months adds up to {$770.00} for the month.so there is no way i can be 30 days late for XXXX and XXXX. no way. i have been a week yes in the pat not 30 days. my account was out 30 days late when i pay every XXXX weeks. so there is no way i should be 30 days late for XX/XX/2024 and XXXX XXXX i deferred a few payment in the pass during XXXX and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every two weeks. not gave me no info that i had to make a modification payment plan on ending balance. i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for 2 months XX/XX/2024 and XX/XX/2024 which is not true. i untanned a modification payment plan now for remaining balance so Iam asking you to please remove the two 30 lates off my report it is stopping me from purchasing a home. 
making 2 payments of {$380.00} a month satisfied my payment for the month. This is not right!!! Account # XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CT)

In Accordance with the Fair Credit Reporting Act, DISCOVER BANK Account # XXXX and XXXXXXXX XXXX  Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Again, these accounts have violated these above rights
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX  XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: A&D Mortgage LLC (FL)

A & D Mortgage LLC has been reporting XXXX of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which A & D Mortage sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.
Consumer complaint received 2024-03-29
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to request that you refrain from reporting a single late payment on my account during the global pandemic. This incident should not negatively impact my credit history, especially considering that my credit card currently holds a XXXX balance. 

Given the unprecedented circumstances of the pandemic, I believe it is crucial to consider the extenuating factors surrounding this late payment. I have been a responsible customer, consistently making timely payments before the pandemic. However, the financial challenges brought upon by the crisis significantly affected my ability to meet this particular payment obligation. 

I kindly ask for your understanding and compassion by not reporting this late payment to the credit bureaus. By doing so, you would prevent any unnecessary harm to my credit history, which I have worked hard to maintain. This exception would provide me with a fair chance to recover financially and ensure that my creditworthiness is not unfairly compromised by a single isolated incident. 

I value my relationship with Capital One and hope that you will consider my request. Thank you for your attention to this matter, and I look forward to a favorable resolution.
Consumer complaint received 2023-03-27
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. (FL)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-01
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: Self Financial Inc. (IN)

These two companies have provided false information to the credit bureaus. Basically, every time I dispute the information and tell them that these are not my accounts they modify their reports to give the impression that I have been actively making payments on the accounts. However, I never made any of these payments recorded in these accounts because these accounts do not belong to me. Also, these companies will update the " date '' that the account was opened to further give the deceptive appearance that I recently opened up these accounts. I even hired a law firm to dispute these accounts and they were not able to get them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX This company also refuses to remove information off of my credit reports, after I disputed the account as not being mines and the information being inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX Phone Number ( XXXX ) XXXX Furthermore, none of these companies will provide me with documents proving that I opened these accounts and made payments to these accounts. 

I never gave any of these companies permission to make any of these reports to the credit bureaus.
Consumer complaint received 2020-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (CA)

In early XXXX, 2020, I received a letter from Firstsource Advantage offering to settle my account with them for {$310.00}. On XX/XX/2020, I called Firstsource and spoke with a representative re : the account. I then made an online payment of {$310.00} to settle the account. After that phone call and payment, I thought that the issue was settled. 

On XXXX, I received a letter from Firstsource informing me that I now owed {$690.00}. This amount is even more than the original amount they quoted, and more than twice the amount that I paid to settle the account.