davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX is reporting to the bureaus an account ending in XXXX as Equifax - status over 120 days past due, 30 days late in XXXX XXXX- 150 days late in XXXX, several lates in XXXX XXXX XXXX 150 days late This account was paid in full. I went through a XXXX  XXXX bankruptcy in XXXX but had reaffirmed this loan and paid it off early. My bankruptcy was discharged in XX/XX/XXXX and the loan was paid off prior to that time. I disputed the account several times and just sent another round of letters out but all bureaus send back a letter stating the account was verified. I recently attempted to obtain a mortgage as I have not had a single late payment post bankruptcy and made a great recovery but was denied on the conventional loan on account of this single account. This now has affected my ability to obtain financing. I paid the account off in full in XXXX. I am requesting the entire account simply be deleted at this time since they are having a hard time figuring out how to report and now it has cost me a closing. Which if need be I can substantiate. If this can not fix the problem I am left with no choice but to seek legal counsel. However, I'd like this to be simply resolved.
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I made a withdrawal on the ATM for XXXX andATM only dispense XXXX bank the ATM was low in funds .i ask to see the videos and they said they dont use it for that purpose. They just give me excuses. And no resolution to this problem.
Consumer complaint received 2023-02-10
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-07-27
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. (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 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 2023-07-09
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. (NY)

Dear Sir/Madam, I have reached out to all 3 credit bureaus multiple times to bring to their attention the presence of inaccurate charge-off accounts on my credit report, which are negatively impacting my credit profile and hindering my ability to secure financing for purchasing a home. I believe that these accounts have been improperly furnished onto my credit report, and I am now seeking assistance from the CFPB to rectify this matter. 

Firstly, I want to emphasize that according to the Internal Revenue Service ( IRS ), charge-off accounts are considered ordinary income and cancelled debt. As such, it is crucial that any charge-off accounts reported on my credit profile be accurate and compliant with applicable laws and regulations. However, I have discovered that the following accounts have been inaccurately reported as charge-off accounts on my credit report : 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  Account XXXX : XXXX Furthermore, I would like to highlight that I have not received a Form 1099-C for any of the aforementioned accounts. The failure to provide a Form 1099-C, as required by U.S. Code 15 U.S.C. 1681eb, is a violation of my rights as a consumer. I firmly believe that the absence of this required documentation further invalidates the accuracy and legitimacy of these charge-off accounts on my credit report. 

In light of these discrepancies and violations, I kindly request that immediate action be taken to investigate and rectify this situation. Specifically, I request that the CFPB promptly assist with removal of the aforementioned accounts from my credit report, as they have been inaccurately reported and are causing significant harm to my creditworthiness. 

Thank you for your cooperation and assistance in resolving this dispute. I look forward to a favorable resolution and the removal of these inaccurate charge-off accounts from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-14
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. (CT)

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.15 USC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
I sent dispute letters To XXXX, Experian and XXXX on the following dates XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I haven't received any response from the 3 credit bureau 's listed above.
Consumer complaint received 2022-12-12
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)

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 third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-21
Product: Credit 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: GOLDMAN SACHS BANK USA (NY)

I am writing to advise you that my Apple credit card issued by Goldman Sachs has been the subject of repeated fraudulent charges and unauthorized ACH transfers to Goldman from my checking account. To make matters worse, I have repeatedly received calls that appear to be using the Goldman Sachs Apple Card Helpline. Individuals claiming to be XXXX XXXX and XXXX XXXX have claimed to be XXXX Account Specialist and Account Supervisor, respectively, who then placed bogus charges on my account. Let me repeat these individuals based on the caller ID on my XXXX are calling from the Goldman Apple Help Center. 
The initial fraud occurred on XX/XX/2023, when over {$30000.00} was charged to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX and they were able to transfer money from my linked XXXX account to pay Goldman for the fraudulent charges, so they could make additional fraudulent charges. It took over a month to resolve this and I was assured that the highest level of security would be put on my account so nothing like this could happen again. BUT IT DID HAPPEN AGAIN. On XXXX XXXX XXXX, another XXXX XXXXXXXX fraudulent charges were placed on my Apple Card for ( for multiple transactions ) to XXXX XXXX XXXX XXXX , and XXXX. And Again my linked XXXX Account was raided and emptied to pay via XXXX transfer Goldman Sachs Apple Card for the charges. I now have an overdrawn XXXX Account and my Goldman Sachs Apple Card improperly has {$25000.00} of my funds. I NEED THESE FUNDS BACK IMMEDIATELY. They refuse to return the funds while they " investigate '' even though they know these charges are completely fraudulent and any competent credit card company using standard fraud detection would not have allowed these charges to be made.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc (OH)

I hope this letter finds you well. I am writing to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under section 15 USC 1681s-2 ( a ) ( 1 ) ( A ), regarding the reporting of taxable income related to Form 1099-C.

I have recently encountered an issue with Possible Finance, a creditor who has reported a cancellation of debt on my behalf, resulting in the issuance of Form 1099-C for the taxable year [ Year ]. The cancellation of debt reported by the creditor has inaccurately represented my taxable income, leading to potential discrepancies in my tax filings.

Upon reviewing the information provided by Possible Finance, I have found that there are discrepancies in the amount of cancelled debt reported and the corresponding taxable income. This inaccurate reporting has the potential to significantly impact my financial standing and tax obligations. As per FCRA regulations, creditors are required to furnish accurate information to consumer reporting agencies, which in turn affects individuals ' credit reports and financial well-being. 

I have made several attempts to rectify this issue directly with Possible Finance, but unfortunately, these efforts have been unsuccessful in resolving the matter. Therefore, I am reaching out to the Consumer Financial Protection Bureau to seek assistance in addressing this violation and ensuring that the creditor adheres to the provisions outlined in the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate reporting of taxable income related to Form 1099-C. Additionally, I would appreciate any guidance or support you can offer to help resolve this issue efficiently. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-27
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Payfare International Inc. (LA)

XXXX XXXX  XX/XX/XXXX XXXX {$99.00} XX/XX/XXXX XXXX {$48.00} XXXXpayfair refuses to credit these refunds to my account. I have tried daily for 14 days, now they say since it's outside 10 days, I'm out of luck.
Consumer complaint received 2021-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The accounts that I disputed wasn't fixed by the company at all. When I requested verification of the debts it came back verified when it wasn't verified by the creditor. How can it come back as verified with the credit bureaus when the creditors couldn't verify the debt and This inaccurate information on my credit is preventing me from purchasing a home and is effecting my true credit score. The credit bureaus went well over the 30 days multiple times and I feel like this should be resolved as soon as possible.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In XXXX of XXXX I entered into a Debt Management Plan with XXXX XXXX XXXX XXXX, which included a signed Power of Attorney and proposal sent to XXXX XXXX Bank. For reasons unknown to me, and unexplained by XXXX XXXX XXXX, they did not accept the proposal until XX/XX/XXXX. In the time in between, I still made monthly payments to XXXX for the months of XXXX and XXXX. Less than XXXX weeks after XXXX 's acceptance of the proposal, on XX/XX/XXXX, XXXX began reporting my account as 30 days past due to all three major credit bureaus ( XXXX, XXXX, & XXXX ). On XX/XX/XXXX, with my permission as XXXX, a representative with XXXX contacted XXXX regarding this issue and XXXX confirmed on a recorded line that my account was not XXXX days past due as is required by the Fair Credit Reporting Act, it was 11 days in the amount of {$27.00}. Using this information, I disputed the reporting with all XXXX credit bureaus aformentioned. On XX/XX/XXXX I recieved notification from the credit bureaus that my dispute had been concluded and that XXXX not only affirmed the information they previously reported, they now showed the account as XXXX days past due. Included in this investigation XXXX provided information that is undeniably false, such as reporting that my " Date of Last Payment '' in the months of XXXX & XX/XX/XXXX was " XX/XX/XXXX '' when payments were made for both months. It is apparent to me that these actions are a retalitory response to me entering into a debt management plan, as i'm legally able to do, without consequence or repercussions such as these from a creditor. On XX/XX/XXXX, I contacted XXXX directly in an attempt to dispute/resolve the issue as the credit bureaus instructed me to do. I spoke with XXXX XXXX XXXX ) who refused to give a last name or a call back number but stated she was the " only XXXX in the credit card department. '' As expected, she refused to assist me stating that they " can not discuss credit reporting '' with me and advised me to contact the credit bureaus. I informed her that I already had done so and my next step, as i was advised, was to contact XXXX directly. I then requested all written documentation used in the reinvestigation process be sent to me, as is my right under the FCRA, and she stated that she could not provide anything to me besides my monthly statements. Due to the unfair and incorrect reporting by XXXX, and the clear violation of my rights by them in not sending me the legally required information, I am filing this complaint with your agency today in hopes of having this matter resolved outside of a court room.
Consumer complaint received 2024-04-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (MA)

I was XXXX  by one of the representatives on their behalf. He said he would XXXXXXXX XXXX XXXX XXXX  and XXXX  me every chance he gets. Which the conversation is recorded so the evidence is there. This needs to be removed or my XXXX XXXX will get involved due to the XXXX  I received. This needs to be removed immediately from my account and this falls under the fcra says this falls under that ruling.
Consumer complaint received 2023-05-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: United Group Inc. (OR)

My husband and I purchased a vehicle in 2022 for XXXX. We put down XXXX and purchased a warranty. We agreed to a 12 month loan. We ended up with a loan of over XXXX which does not add up, and now a year later owe more than the car costed. We were told to sign here sign there and the terms changed after we signed. This is not legal.
Consumer complaint received 2021-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I was a victim of a fake Bitcoin scam I had a log on and password and I found out it was all phony I was sending my money through XXXX XXXX after buying Bitcoin and sending it to what I thought was my Bitcoin account after contacting a lawyer he informed me the company was fake
Consumer complaint received 2024-02-21
Product: Checking or savings account — Other banking product or service
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: JPMORGAN CHASE & CO. (NY)

Chase bank is sending me stupid and illogical messages via a portal that costs me time to repeatedly gain access to. They also aren't responding to our emails to demand XXXX links.
Consumer complaint received 2023-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MO)

My student loan balance PRIOR to receiving any refunds was {$8600.00}. I then received a letter from Mohela stating I received a total of {$18000.00} in refunds, & now my current student loan balance says I owe {$30000.00}. This is an incorrect balance. {$8700.00} plus {$18000.00} = XXXX. NOT {$30000.00}! I have tried to fix the issue via phone with Mohela few times without success. I spoke with supervisor XXXX, who said she sees the discrepancy in the balance & would reach out to another dept & call me when she hears back with corrected info. She called me the next week without any new information & said she still sees the discrepancy but will have to send to accounting to fix. My credit score has been negatively impacted by this discrepancy in my total loan balance. I haven't heard anything else regarding Mohela correcting the error. My balance is INCORRECT
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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.

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 2023-01-20
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. (CA)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, 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)

I Am A natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because 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
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, 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. (MD)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Equifax and XXXX credit file. 
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 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