davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. 
Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third-party collectors attempted to collect a debt that is not mine, they broke fifteen U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX  XXXX. XXXX. 
XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting.
Consumer complaint received 2023-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

Loans have been paid back in full as of today. I reached out to the company to get a XXXX adjustment as I was having problems with getting caught up with payments. They told me each loan has a creditor and provided those names banks : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX and ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. When I reached out to the creditor or bank the loan was issues through they said Affirm has that information on file. The banks do not have an account for me it is all through Affirm. Meanwhile, affirm told me I had to reach out to the creditors. I am looking for a goodwill adjustment from the payments made on the late payments reported to my credit report. Looked to see if they honored a PFD ( pay for delete ) arrangement with the collection agency but no one had an answer similar to that Goodwill adjustment requested In accordance with the fair credit Reporting act XXXX Account AFFIRM.COM [ affirm.com ], has 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 a account without my written instructions.

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

THERE IS A TOTAL OF 11 LOANS WITH AFFIRM.COM THAT HAS LATE PAYMENTS REPORTED. I HAVE THE LOAN ID ACCOUTN NUMBERS WHENEVER REQUESTED. BELOW ARE THE PAYMENT AMOUNTS PAID IN FULL AND HOW MANY REPORTED PAYMENTS FOR EACH LOAN. 
{$660.00} *** {$770.00} 7 reported late payments : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 

{$290.00} *** {$330.00} * 5 reported late payments : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX 

$ XXXX {$290.00} * 3 reported late payments : XXXX XXXX $ XXXX {$180.00} * 4 reported late payments : XXXX XXXX XXXXXXXX XXXX. 

$ XXXX $ XXXX 6 reported late payments : XXXX XXXX XXXXXXXX XXXX. 


{$690.00} ** {$810.00} * 6 reported late payments : XXXX XXXX, XXXX XXXX. 



{$310.00} ** {$360.00} * 4 reported late payments : XXXX. 

XXXX *** {$220.00} * 6 reported late payments : XXXX XXXXXXXX, XXXX XXXX, XX/XX/XXXX. 

XXXX *** $ XXXX 6 reported late payments : XXXX XXXXXXXX, XXXX XXXX, XX/XX/XXXX. 

{$110.00} ** $ XXXX 7 reported late payments : XXXX XXXXXXXX, XXXX. 

{$360.00} ** {$420.00} * 7 reported late payments XXXX XXXX XXXXXXXX, XXXX.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, a fraudulent balance transfer of {$5500.00} was made on my Bank of America Credit Card. BofA called me the same day, and I informed BofA that I did not initiate the balance transfer and it was fraudulent. I instructed BofA to deactivate my online account, send me a new card, and investigate the charge. 

Unfortunately, BofA denied the dispute twice -- once in XXXX, another time in XXXX after I asked to reopen the case. I sent BofA a written letter to dispute the charge in XXXX. As of XX/XX/2023, I have not heard anything back from BofA, and the fraudulent charge has not been resolved. I am seeking help from CFPB to resolve this issue.
Consumer complaint received 2023-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC (IL)

In XX/XX/2023, I was given a trial modification. I made ALL of my payments thru XX/XX/2023, which in XXXX they did not want to accept any more payments. 

Upon investigation, I was told that they sent me a permanent modification to me in XX/XX/2023. I never received this package and was not able to sign it. They resubmitted this and I signed and sent it back in XX/XX/2023. 

My house is listed for sale at the end of XXXX. I need to have a PERMANENT LOAN MODIFICATION for my property. 

Please help me Thank you
Consumer complaint received 2023-09-13
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-03-09
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no XXXX XXXX involved. Please review the uploaded letters.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Negative information is damaging my credit score. I request a full investigation of the facts. It is illegal companies decrease their tax burden while increasing mine. Would you want someone to do that to you? Inaccurate info. Account written off/accepted by 3rd party. Per FCRA and 15 USC 1681-1681x, law states listing inaccurate and information is illegal.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Negative information is damaging my credit score. I request a full investigation of the facts. It is illegal companies decrease their tax burden while increasing mine. Would you want someone to do that to you? Inaccurate info. Account written off/accepted by 3rd party. Per FCRA and 15 USC 1681-1681x, law states listing inaccurate and information is illegal.
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC (OH)

I will provided attached documents that shows all violations. First off once the debt was sold to XXXX the contract became null and void, I did not ever give XXXX written concent to report on my credit. The letter they provided via my dispute states if I want to communicate with them I can contact their attorney. The origional company stated under Lender is different from what is on my report. The Principal amount on the contract is different from that of what is owed on my credit. The date of account opening is also different. Thats 6 violations at {$1000.00} per violation acording to The FDCPA. I am also demanding {$5000.00} in damages from the impact of the derogatory report on my credit.
Consumer complaint received 2017-03-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Ashton & Weinberg, Inc. (FL)

So I had a line credit that I defaulted on the payments, so I made a payment arragement which I did pay for a while and again I defaulted on that due to financial issues .... 

So the original creditor gave the account to a debt collector that has been calling me harrasing me itimidating me and torturing me mentally and emotionally ... 

He has threated me of taking me to jail and has accused me of fraud and that I am a criminal. 

He also told me that he had recorded me on the 1st conservation that we had which I did not consent to nor was I aware that I was being recorded. 

Also, he pulled ny credit report with out any written consent or authorization. 

XXXX XXXX Ashton & Weinberg , Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX That is the debt collector information
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 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 2023-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX PayPal limited my account. I made a complaint here and they apologized that it was by mistake and removed this limitation on XX/XX/XXXX. 
Once I started using my account again on Sunday XX/XX/XXXX, they did it again and limited my account again on XX/XX/XXXX after they provided this information to CFPB and closed the previous claim. 

My account is useless again, and this is so frustrating, I cant add, withdraw or move any money or even access the message center to send them any messages again or reply to there previous email when they said that this was a mistake
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (NE)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (OH)

I will provided attached documents that shows all violations. First off once the debt was sold to NCA the contract became null and void, I did not ever give NCA written concent to report on my credit. The letter they provided via my dispute states if I want to communicate with them I can contact their attorney. The origional company stated under Lender is different from what is on my report. The Principal amount on the contract is different from that of what is owed on my credit. The date of account opening is also different. Thats 6 violations at {$1000.00} per violation acording to The FDCPA. I am also demanding {$5000.00} in damages from the impact of the derogatory report on my credit.
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I sent an international wire transfer to mainland XXXX and requested the money be sent in USD. I've done this type of transactions several times from the same branch and never had a problem delivering the amount sent in USD to the receiver. Only this time, the transfer was sent around XXXX after the cutoff time for same day process. Now we know that when a transfer is sent after the XXXX XXXX it can't go out in USD, the banker that helped me didn't know that and advised me not to worry, when I questioned him about exchange rate that showed on the receipt he gave me. He said that's how it is on all international wire transfers, the system shows the receiver hometown currency. I took his word for it. Then when the receiver got the transfer it was short {$750.00} of the {$19000.00} I sent and was expected by the receiver. 
I went to the bank for clarification and couldn't get a direct answer, but the banker by calling around found out that the money was converted in XXXX XXXX dollars then back in US dollars because the transaction was processed after hour. 
This was a Chase to Chase transfer. They couldn't figure out nor decide how to either cancel and resubmit the order or credit me with {$750.00}. I ended up sending another transfer for {$750.00}, this time it was done right and the receive got the transfer in USD. 
I just want {$750.00} credited to my account.
Consumer complaint received 2023-09-13
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. (KY)

In accordance with the fair credit reporting act, XXXX file number XXXX and XXXX XXXXXXXX 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.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : [ XXXX ]. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account name 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 2022-12-08
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. (TX)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.
Consumer complaint received 2018-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

A complaint has been field against NationStar Mortgage/Mr. Cooper, the Mortgage Co. #XXXX. However, Mr. Cooper failed to address several issues.  Mr. Cooper generated a bill that had a wrong amount due, it charges interest on the wrong amount, generated a delinquent statement based on the wrong amounts and calculated the following months amounts due based on the wrong amounts.  Although Mr. Cooper's XXXX. XXXX, 2017 response to the complaint denies receipt of our communication, Mr. Cooper's CEO, XXXX. XXXX XXXX  and XXXX XXXX indeed received the email and faxes.  (See attached proof)  But it's denial is indicative of their poor service.  Along with correspondence, we provided the facts to Nationstar/Mr. Cooper that the amounts it was billing were incorrect and at no time, did Mr. Cooper address our letters/emails.  Rather, it continued to over bill based on the wrong amounts.  We informed it that the amounts were wrong and informed it that it cannot send us delinquent or foreclosure notices based on amounts that were related to the taxes of the property.  It ignored all communications and continue to over-bill.  We requested a call back, which we never received and demanded a refund of all monies that were over billed, charged and forced to paid to avoid foreclosure but instead of refunding our money, it kept part of it and made a payment to the tax collector for the wrong amount.  It paid a much higher amount than was owed.  Mr. Cooper's letter also claims that the account is past due.  That too is false.  Again, it is basing its claims on the wrong amounts.  Mr. Cooper mailed a letter to us advising that we had a point of contact and yet, we have communicated with XXXX. XXXX and all have been ignored.  Mr. Cooper over billed and although it cannot foreclose based on an allegation of money owed to the tax collector and yet that is exactly what it was doing.  We demand a refund of all monies plus interest that were over billed and paid.  We also request of Mr. Cooper to provide a detailed itemization of all charges it includes in the monthly statement.
Consumer complaint received 2023-09-13
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: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IN)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2022-12-08
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. (DE)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the XXXX XXXX  ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX XXXX XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX XXXX XXXX  punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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 XXXX