davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

I received two cards in the mail. One was from cash app and one from XXXX I didnt ask or inquire about these. They were opened up in my name and I didnt authorize those. I called both companies about receiving these cards and they couldnt and wouldnt tell me anything about how or why these were sent to me. They said they needed more information to be able to cancel the accounts. Customer service for both companies is very unhelpful and not willing to help me fix this issues. I have had someone steal my identity and Im having issues with getting things fixed. I want this situation taken care of and these companies held accountable for someone stealing my identity and opening things without my knowledge. Im currently working with XXXX to fix these issues. Both cash app and XXXX have not been willing to fix and resolve the issue.
Consumer complaint received 2022-10-07
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. (TX)

In accordance with the Fair Credit Reporting act. The list if accounts below have 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) Section 5 states : No consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) Section 1 states : 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 2022-12-01
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. (OH)

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 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

Southwest sent my a letter attempting to collect debt for an alleg account with XXXX I responded in a timely manner I let them know this account. Didnt belong to me as a matter of fact or just got deleted from my credit report I received no notice that it would be reinserted but southwest decided to insert this account on my credit report a pure violation after it has already been removed. Once again ITS NOT MY ACCOUNT PLEASE REMOVE FROM MY CREDIT
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXXection 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I HAVE BEEN TRYING TO WORK WITH MY MORTGAGE LENDER FOR THE LAST COUPLE OF YEARS. AFTER MY MANY ATTEMPTS THEY GAVE ME A REPAYMENT PLAN AND I PAID OVER {$3000.00} FOR 12 MONTHS. MY COUNSELOR XXXX SPOKE TO THEM AND WAS ADVISED THAT AFTER 12 MONTHS I COULD SUBMIT FOR ANOTHER REPAYMENT PLAN TO CONTINUE PAYING THE REMAINING BALANCE THAT IS DUE. I DO NOT WANT TO LOSE MY HOME BECAUSE THEY MISLED ME ON MY PREVIOUS PLAN. ALL THAT I AM ASKING IS THAT THEY GIVE ME ANOTHER PLAN TO GET CURRENT. I HAVE BEEN ON TIME THE LAST 12 MONTHS PER THEIR REPAYMENT PLAN.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have a child support case on my credit that was closed then was reopened and now its showing I have two cases when I only have one I have one XXXX number which means only XXXX child support case should be showing the closed account that open back up on its own I dont understand it should only be one case that was court order showing the case with the balance of XXXX should not be on my credit at all is showing as if I have two cases when I only have one Im asking the bureaus to remove the messed up account and all its remarks off I only have one case thats for XXXX a month the other one should not be showing that Is very unfair practices and I continue to dispute this to remove it but nothing is happening it needs to be removed immediately or they need to get proof of two cases which would involve two XXXX numbers
Consumer complaint received 2023-08-16
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: Resurgent Capital Services L.P. (FL)

To whom it may concern I am trying to buy a house and I noticed some damaging information on my credit file. According to the 15 USC 1681 law there should not be any damages on my report, this is a defamation to my character.
Consumer complaint received 2021-03-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

XXXX I was closing a deal on house was working with real estate agent I text the real estate agent to confirm the wire information she confirmed i sent the money couple hours later i found it was a scam / fraud so i call chase bank same day to cancel the wire on XXXX i got the recall code : XXXX XXXX also got a claim number Claim : XXXX
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

On XXXX I received an email from Navient ( Loan servicer ) stating that my loans were being transferred to XXXX XXXX New Loan Servicer ) stating in a few weeks my loans would be transferred to XXXX. Navient included a checklist of what to expect and that not much would change that I would be working with AidVantage instead of Navient, so I called to see if I needed to do anything or if my payments was due, I was told that no payment was due and I was reminded that the Virus delay was due to end and my payments would resume in XX/XX/XXXX. On the morning of XX/XX/XXXX I checked my credit to find that Navient had placed a 30 day past due collection on my credit report as of XX/XX/XXXX. Remind you, I had contacted them, they had contacted me and I was never informed that any loan was in the repayment process, let alone past due. I'm very upset with Navient, they did the same thing once before in XXXX of last year, only difference they put a 90 day default on my credit report during the 1st mandated Presidential delay of repayment for student loans and they did not remove the default notice on that one either. Navient has a practice of student loan payment abuse, which is noted in XXXX XXXX XXXX XXXX XXXX and also in XXXX XXXX. XXXX XXXX XXXX. Navient should be held accountable for the distruction they are causing in borrowers ' lives, with falsifying repayment documentation. None of these federal loans should have been in any repayment process during this time.
Consumer complaint received 2024-04-13
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA (WV)

I am refiling this complaint for the third time. My XXXX prior CFPB complaints regarding this issue dated XX/XX/XXXX, and XX/XX/XXXX, respectively are attached. I once again request that the Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan on my XXXX credit report be removed. I have attached my XXXX credit report, which is dated today, XX/XX/XXXX, which reflects the information MOHELA furnished XXXX as of XX/XX/XXXX. I obtained my XXXX credit report directly from XXXX itself, rather than a XXXX-party app such as XXXX XXXX XXXX Please see page XXXX of the attached report. MOHELA has repeatedly assured me that a request would be submitted to XXXX to remove the comment, but I have yet to see any progress. The comment still remains! This is entirely unacceptable. I am unfamiliar with the dispute which MOHELA is referencing. I do not dispute the account information listed on my credit report. I would like this comment removed from my XXXX credit report. My ID is attached.
Consumer complaint received 2021-09-24
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. (NY)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-01-17
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. (GA)

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-01-17
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion will NOT supply a free credit report. 
I paid them for a couple of month to try and get them to remove a couple of fraudulent things from my credit report ( the other 2 credit agencies had done it without a problem ). After those 2 months, they finally removed one, but refused to remove the other one. So, I stopped paying them. Then when I went to get my free credit report, they had hidden it behind a paywall. I chatted with the representatives, and they just confirmed that I must pay to get a credit report.

My credit is marked as good on both of the other two services, but this one has it as terrible and refuses to do investigations. And now they are not even providing the services they are required to. 
Transunion should not be allowed to have an effect on anyone 's records.
Consumer complaint received 2021-09-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAND HOME FINANCIAL SERVICES (MO)

I was talking to my realtors lender and giving her my information to get a Pre-approval to put a contract on a home. This lender with Land and Home financial then proceeded to run my credit report without my permission, putting a derogatory mark on my credit report. This credit report should not have been ran until a contract was accepted and I was in the process of getting approved for the loan. My credit will now have to ran again when a contract is accepted on a home. This lender did not have my permission to run this report and I actually requested it not be ran and she did it against my wishes.
Consumer complaint received 2022-10-07
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on ENHANCED RECOVERY CO L. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2019-05-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (NV)

Around XXXX of 2018 I took out a loan for the amount of XXXX with cash net. I successfully paid 2 payments of XXXX each. I did online chat asking to change the amount or a different day and the first time they did the second time they did not and did not care j was struggling. When I filed a complaint with the consumer financial protection bureau they claimed that I never talked to them and that I was avoiding them and that I owe everything that they say I owe and they were not going to work with me at all. I've been struggling to make payments for everything it's now between food on the table or paying a payday loan or paying for my car insurance or my cell phone bill my family is most important to me. I would like to get this taken care of as soon as possible so it doesn't cost me any extra money and it doesn't cost the company any extra money. have not been contacted by them through any type of email or text messaging they may have called but have not left messages and if they have left messages it's a recording and it gets cut off. They currently are saying I owe them XXXX which would have been the amount paid back in full in one payment for the amount borrowed so I do not owe them {$930.00} that is absurd. I should have maybe {$370.00}.
Consumer complaint received 2024-04-29
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (TN)

I am writing this complaint to the CFPB in correspondence to MR. COOPER MORTGAGE 'S response to my initial CFPB XXXX XXXX XXXXXXXX regarding their remark about the investigation of the accuracy of the account be reported to the consumer reporting agencies. Upon review of my consumer reports reported by all XXXX major consumer reporting agencies, I noticed that the very same inaccurate account that was stated to be accurate in correspondence with the CFPB that was disputed with MR. COOPER, as it stands, remains inaccurate and incomplete. This company is in violation of the Fair Credit Reporting Act per XXXX XXXX XXXX ( i ) ( ii ). MR. COOPER stated the account in question reported accurately in its correspondence to CFPB XXXX XXXX. How exactly did they verify this account to be XXXX percent accurate? They have failed to correct the inaccurate information I have put them on notice about. They stated the account was accurately reporting to the consumer reporting agencies when it is not.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/23 we received notification that a wire had successfully been completed from our checking account. Upon receiving notification, we immediately contacted Wells Fargo and informed them we had not authorized any wire and that funds were not approved to be released from our account. This was initially handled via a phone call to Wells Fargo. After speaking with the representative, we then proceeded to the nearest Wells Fargo branch office. 

A review with a representative of the bank took place and we identified wires that were not authorized by us that were being taking from our account. Wires totaling approximately {$40000.00} were taken from our checking account. The representative of the bank immediately closed the checking account and stated they would look into the situation and get back to us. At this same time, the representative of the bank took the debit card of my husband, and stated she would proceed with shredding the card as the account was being closed. 

On XX/XX/23 Wells Fargo, proceeded to let another unauthorized wire be taken from our checking account, the account that was to have been closed. In addition to funds being taken, Wells Fargo has also charged us numerous wire fees for wires that we did not authorize. 

Now after 2-weeks of trying to address the situation with Wells Fargo ; asking them to review all transactions and having us complete paperwork to which we stated these were not authorized transactions by us, we have been informed by Wells Fargo we are out our money. Too sad so bad was the impression we were given. We have no advocate at the bank. No one to try and help us understand who at the bank would have allowed these transactions to be completed without our authorization. At no time as anyone at Wells Fargo provided any written documentation regarding their review and investigation into the situation. 

We are asking for help from the CFPB to review this situation and to help us understand how Wells Fargo can simply tell us that we our out {$40000.00} when we did not initiate or authorize funds to be transferred from our checking account.
Consumer complaint received 2019-05-10
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: SYNCHRONY FINANCIAL (OH)

Syncb is showing up on XXXX XXXX from a transaction Ive never initiated or had any knowledge of. The Hard inquiry date was XX/XX/2019. I need help getting this removed from my credit report please. XXXX XXXX says to contact the company and I cant find the information online.