davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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)

Fraudulent Accounts On Credit Reports XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$6200.00} XXXX. XXXX XXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX {$3700.00}
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent Accounts On Credit Reports 1. XXXX XXXX XXXX {$1800.00} 2. XXXX XXXX XXXX {$1800.00} 3. XXXX XXXX XXXXXXXX {$6200.00} 4. XXXX XXXX XXXXXXXX {$2300.00} 5. XXXX XXXX XXXX {$3700.00}
Consumer complaint received 2023-08-18
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
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. (CA)

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
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (MD)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

And unauthorized withdrawal was made on 2 accounts on XXXX CHASE XXXX funds were not returned and XXXX funds were returned.I have my ATM cards for both accounts. For the account XXXX a withdrawal was made on XX/XX/11 for {$350.00} because who ever was helping me the person 's decision was overridden. No one from Chase has called to tell me who took the withdrawal plus I filed a police report which was faxed. I am a retired person and I need my money. A total of {$2200.00}, was taken from me. I also, had an appointment at XXXX when the withdrawals were mede for proof. I do not understand how a withdrawal can be made and the teller does not ask for identification. According to Chase I gave my PIN out which I did not.
Consumer complaint received 2023-08-18
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. (NV)

please delete the following Incorrect Addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Please delete the following Incorrect Names: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Please delete the following incorrect phone number: XXXX XXXX XXXX
Consumer complaint received 2023-08-18
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. (CA)

My credit report is showing late payments to XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2017-07-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

We purchased our home in  XXXX  2005 using an 80/20 loan. We have been struggling to make the payments for many years due to several reasons including the   XXXX   XXXX   of our son and income earner injury causing loss of income. We met with a bankruptcy attorney several years ago who advised us that the 20 % lien holder ( loan servicer : Ocwen Loan Servicing, LLC ) would not be able to foreclose on the property, but could place a lien on the property making it so we could not sell the property before they were paid. Under the advice of the attorney we sought to work out a loan modification with both   XXXX   XXXX   and   XXXX   XXXX   XXXX   ( 80 % lien holder ) with the intention of working with the Ocwen once that was resolved. We have persistently applied and reapplied for a loan modification numerous times with the   XXXX   and   XXXX   XXXX   XXXX   and finally were successful.
It seems to be that it may be a legal foreclosure, however, the concern is that the  XXXX  service providers ( Ocwen Loan Servicing, LLC and   XXXX   XXXX   XXXX   ), and involved banks (   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX   ) may have a relationship in which they are working together to obtain properties by foreclosing on the 2nd lien. The first lien holder must be paid first, therefore, if the 2nd lien holder forecloses they must turn over any amount recovered during the foreclosure sale to the first lien holder to satisfy the first lien. The only way the 2nd lien holder would acquire payment is if the house sold for the amount of both loans. However, in this case, the property was sold for {$19000.00} ( less than 10 % of the county valuation ). There is {$80000.00} outstanding principal on the 1st lien holder 's portion. In addition, the 1st lien holder 's attorney was contacted regarding the foreclosure and asked what affiliations they had with different banks. They refused to disclose their affiliations and the attorney refused to identify themselves when asked.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (GA)

I was awarded unemployment benefits on XX/XX/XXXX. I was able to use the Way2Go GoProgram card on that day and completed XXXX transactions online. The next day I was unable to use the card and every transaction was declined from that day on. I tried calling the customer service number on the back of the card but there is no possible way to speak to a live agent. I can not find out why the transactions are declining and I do not know the status of my card. I read online that there is a feature both in the online account and by calling the customer service number, that will allow you to complete a funds transfer. After searching thoroughly, there is no possible way to transfer funds from this account to a more efficient bank/personal bank. There should, at the very least, be a way to transfer money out of this prepaid debit account and into a bank account. There should always be a live agent available to assist customers in matters such as these. There should be clear communication on the status of my prepaid debit. I checked the account program documents, and nowhere is it mentioned a daily spending limit or monthly spending limit. There is no way to determine if my account is frozen, and if so what the reason would be. All of my contact information is up to date and no agent has contacted me regarding issues with my account. I have money that belongs to me and am unable to access it. This is a problem no consumer should have to deal with. I've waited since XXXX to receive these benefits and now that I have them, I can not access them.
Consumer complaint received 2023-03-17
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. (IL)

A investigation was stared on XX/XX/XXXX for me to receive proper documentation of proof that I XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account open date XX/XX/XXXX have a account with : XXXX XXXX  XXXX  # XXXX No such account was open. 
It is now XX/XX/XXXX and proof of documentation has been provided to me within the 30 days.Please remove this item from my Credit Report
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (FL)

See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late despite the fact that I am always on time.
Consumer complaint received 2024-03-30
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. (NJ)

I have been doing my best to remove this fraud account from my report for the pass week, Equifax refused to remove it!! Because they allegedly claimed that they never received an FTC report that Ive mailed to them. When I called them I caught them XX/XX/XXXX I spoke to a live representative I ask the first time have you guys received my FTC report one person stated they did receive. Then they hung up and I called on the XX/XX/XXXX the company had lie twice about not receiving my paperwork, saying they never got the FTC report!! Then I called the third time. They stated that they got my report, which I stated to them that you guys lie on a record line about this!! So I stated to the live agent that you mid falsely stated you never received my FTC which I mail it out on XX/XX/XXXX. And I was going to call the state of attorney of New Jersey to sue them! I would like for this to be resolved immediately
Consumer complaint received 2023-03-17
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. (AL)

XXXX Account # XXXX In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. Experian said this account were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 

Thank you, XXXX XXXX
Consumer complaint received 2023-03-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (FL)

Hello I paid this line of credit off during the closing of my house, they charged a late fee after the closing. I believe the account to be closed so I had no idea I was charged this fee. The account was sent to collections for a {$60.00} fee. The collection agency refuses to remove the item I've sent my closing statement proving title got the payoff amount and paid the debt at closing.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (FL)

See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late despite the fact that I am always on time.
Consumer complaint received 2023-08-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate and questionalbe items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting act everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 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 2023-03-17
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: Experian Information Solutions Inc. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-30
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. (FL)

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to Equifax, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: GOLDMAN SACHS BANK USA (MI)

Ever since the transition from XXXX XXXX to Goldman Sachs its been a nightmare for me. Last year XXXX I called to get my legal name on my billing statements because Im a " XXXX '' with a suffix and statements were being opened by my dad. After finally contacting someone by phone to make that clear my billing statements stopped for around 3 months. So I never received a statement. I was in agreement with XXXX XXXX for " hardship '' and my monthly payments were supposed to be {$40.00}. I have tried over a year to resolve this with every specialist saying " they will note my account and someone will reach out. '' Only one person has in over a year and I was on my way to work and told her to call me back the next day. She never did. I get harassing phone calls and inaccurate emails daily and weekly. It has created a balance, interest and credit reporting inaccuracies. I just responded to an inaccurate email today and spoke to another specialist and told her to note my account that I am now filling a complaint yet again with the CFPB seeing how nobody wants to help resolve this..
Consumer complaint received 2024-03-30
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. (WA)

I looked at my report recently and notice an account wasnt reporting accurately. I had teo late payments on my account that in fact On time Never late. The consumer reporting agencies need to report all information with complete accuracy. The Account has not been late on payments, i attached screenshots of each bureau reporting the inaccuracies im complaining about, to this complaint of the following dates XX/XX/2021 and XX/XX/2021. Im now requesting that you investigate and provide verifiable proof with records that i had late payments. If this information can not be verified, i demand that they get an update to Paid on time never late, Immediately. Thanks for your understanding and prompt action.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I went into the bank to cash a check I receive monthly for a house I rent to someone. The person that wrote the check accidentally wrote the dollar amount on the " Payer '' line. I asked the branch manager if I should have them rewrite another check or if I should continue with the deposit. Manager advised me that I could deposit it but it might get flagged and rejected and they might send the check back to me. I said I wanted to deposit the check. I also asked if it would affect my account. He told me " No, it would just get rejected worst case scenario ''. He proceeded to deposit the check then said " Actually, don't tell anyone I said this, but you should deposit into the atm right here because it might not get flagged ''. He cancelled the endorsement and advised me to use atm. Now All my accounts are being closed because the bank relinquished their right to do business with me. NEVER DID THEY EVEN TRY TO CONTACT THE OWNER OF THE CHECK TO VERIFY IF IT WAS LEGIT. I contacted the writer and he said that he was shocked and no one tried to call him. Again, I've been receiving checks from him since XXXX and depositing them here. In addition, the bank has refused to give me my money. Now it is the end of the month and I'm going to be late and acquire late fees on all my properties and bills and I can't even pay my employees. The bank is stating it will take 10 business days to close the account and after that they mail a check. This is so unfair and I did nothing wrong. I don't understand why they did not verify the check and why their branch manager gave me bad advices.
Consumer complaint received 2023-03-17
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. (FL)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : 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 Date Opened : XXXX Balance : {$0.00}
Consumer complaint received 2023-03-17
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: Early Warning Services, LLC (AL)

XXXX XXXX Account # XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Error [ s ] on consumer checking account screening report. 

Dear Early Warning, I am writing to request a correction of the following information that appears on my Early Warning System consumer report : Account Number # XXXX Date open : XX/XX/XXXX Date Closed : XX/XX/XXXX You reported this account closed for cause-purged. Please send me a copy of the validity of this debt and delete this debt from my Early Warnings report. 


In accordance with Fair Credit Act 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.

Thank you, XXXX XXXX