davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (GA)

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. 

Account name : XXXX XXXX Account number:49850 Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group (MD)

Im having issues with a debt collection company, of the name phoenix recovery group. This company has been trying to collect debt from me from 2020. Ive reported this debt to XXXX  and XXXX reporting as a fraudulent collection debt. XXXX has removed the case from my file. But XXXX wont Ive sent over so much documentation that this is fraudulent any nothing has be done. Ive mailed the phoenix recovery group about removing the fraudulent debt they have on my credit report. The mail me back pass XXXX days say I have to pay the debt. Next i mailed them back stating its fraudulent and they need to remove the false information immediately. They still havent done so Im sure tired of making disputes and nothing has been done about it.
Consumer complaint received 2023-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX the loan on my house was sold to a group of investors. My husband became sick and medically XXXX. I called Wells Fargo bank and they did a temporary loan modification on a variable loan but would not refinance due to my income was not enough and my husband was pending federal XXXX which further disqualified us. The payments became so high and the bank foreclosed in XXXX. We attended workshops out in XXXX, CA where other different ethnic people were able to modify to a reasonable permanent loan and were celebrated with bells and whistles. We literally were the last people out of the place ( we are XXXX  ) and was informed by Wells Fargo that we didnt qualify for a permanent loan modification due to our loan was sold to a special group of investors that would not modify it. This whole ordeal has led to my divorce and Im still currently unstable with living conditions. This was unfair practices as we were in a recession and my husband and I were discriminated against
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ID)

in accordance withfair credit reorting the list of accounts was violated my federaly  protected consumer rights privacy and confidentially under section 15 use 1681                   
15 use 1681 section 602 A states i have the right to privacy   
15 use 1681 A section 604 section  2  it also states a consumer reporting agency cannot furnish a account  with out my writtin instruction.
15 usc 1681 c A5 section states no consumer reporting agency may make and consumer reeporting containing any of the following items off information any other adverse item off information other than theb records off convictionall off crim which antedates the reporting  by more than 7 years
15 u.s.c 1681section 2 A1 aperson shallmet furnish any information relating to a consumer to any consumer reporting in the person knows or has reasonable cause to believe the information is inaccurate. 
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
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/2023 I contacted Synchrony Bank by phone at ( XXXX ) XXXX and told them I was disputing their account in the amount of {$1400.00} and wanted them to cease and desist contact with me regarding said account. On XX/XX/2023 I sent them a letter requesting the cease and desist in writing. They did not respond and On XX/XX/XXXX I received a bill where they are continuing to try to collect on a debt I am disputing and threatening me with credit damage and increased interest charges. It is harassment for them to be continuing to contact me trying to collect on a disputed debt and I am now reporting them as they do not follow the FDCPA.
Consumer complaint received 2023-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

The company, XXXX XXXX XXXX is inaccurately reporting a fraudulent account in the amount of {$390.00} under my name and my credit reports! I have contacted them several times to advise them of this and even sent over my police reports and other documents and they still report this under my name and credit reports. This is affecting me and causing me stress and more.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (LA)

I have submitted investigations with the credit bureau agency as well as the companies. There is to be a fraud alert on my account that if any account is to be open in my name I am to be called to confirm identity. My credit report was pulled and there are addresses, accounts, and loans in my name unauthorized by me. There accounts out of state that I don't or never resided in. I am asking that due to the FCRA section 604 this information be removed as I have not opened these accounts or given permissible purpose for these accounts to be on my credit.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-07-01
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. (TN)

I have called the company time and time again over the past years to get this account fixed. I have paid both account in full within the time frame they initially told me I could without any negative backlash as I was in a bad financial situation at the time of the accounts being open and active. They proceeded to still charge off the accounts and take full payment from me. I feel as if this is just how they had planned to hurt me in a personal way because I could not make my payments on time due to my situation at the time.I have been fighting to have these account fixed on my consumer reports for years to no avail. I recently learned about the CFPB as I'm working to get my credit reports fixed to be able to buy a home soon in the future. The account numbers are as follows XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Below I will also include screen shots from my credit reports showing the account information in more detail.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

A Chase Bank check was mailed to me dated XXXX for {$4000.00}. The check was stolen from the mail. An individual fraudulently appended their name to the check and cashed it at XXXX XXXX XXXX XXXX in XXXX, California on XXXX. The individual was a member of XXXX XXXX XXXX XXXX. All three financial institutions are accusing each other of inaction related to retrieving and returning the funds. I have spoken with XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX of JPMorgan Chase. I spoke with JPMorgan Chase Fraud on XXXX and they will not provide me with a substantive update. I have filed a similar complaint with NCUA.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

I received an email I had a Flare account I wasn't aware I had. So by calling the ace flare account customer service XXXX they had my information in their system unless it's a ploy. First representative put me back in the automated without answering how they got my info. I called again and the next representative said I just activated my account and card today XX/XX/2023 during my 1st call XXXX PST. How is it I just activated it when I got an email stating the following today XX/XX/XXXX at XXXX? 

" Your Flare Account statement is available View in browser FLARE ACCOUNT Dear XXXX, Your Flare Account statement is now available, and can be accessed on your account History Dashboard. To view your statement, please click here. 

If you have questions, please log in to your online account center or call us at XXXX. 

Sincerely, Your Flare Account team This message was sent to you because of changes, updates, or transactional activity on your Flare Account. We are required to send you such notifications regardless of your subscription status for your protection. Please do not reply to this message. 

aceflareaccount.com | Privacy Policy | Update Email The Flare Account is a demand deposit account established by XXXX, XXXX XXXX, Member FDIC, and the Flare Account Debit Card is issued by XXXX, XXXX, pursuant to a license from XXXX XXXX XXXX Netspend is a service provider to XXXX XXXX XXXX XXXX Certain products and services may be licensed under U.S. XXXX XXXX. XXXX and XXXX. 

XXXX XXXX XXXX XXXX, XXXX 2023. All rights reserved. 

2023 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners. 

Netspend XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX # XXXX, XXXX, TX XXXX XXXX ''
Consumer complaint received 2023-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (SC)

I am writing to file a formal complaint against Westlake Financial, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX regarding fraudulent practices and the inclusion of an unauthorized extended warranty in my auto loan contract. The actions of these entities have resulted in financial harm and a violation of my consumer rights. 

On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$11000.00} ( see attached XXXX  and XXXX ), with a down payment of {$1300.00} ( {$500.00} trade-in and {$800.00} cash ). To finance the remaining amount, I secured a loan through Westlake Financial. 

Recently, on XX/XX/XXXX, I noticed that my loan balance with Westlake Financial had not decreased as expected. Concerned about the discrepancy, I contacted Westlake Financial ( XXXX see attach XXXX ) to seek clarification. However, the representative I spoke with was unable to provide a clear explanation for the inflated balance. Upon further inquiry about an item called " XXXX WARRANTY '' listed on my loan contract ( See attach XXXX XXXX - Account number : XXXX ), the representative failed to provide a satisfactory explanation. I asked to be transferred to a supervisor. Unfortunately, the call was abruptly disconnected, leaving my concerns unresolved. 

I made a subsequent call to Westlake Financial on XX/XX/XXXX ( XXXX see attach XXXX XXXX, to address the issue once again. During this call, I was connected with a supervisor who shed some light on the matter. The supervisor confirmed the presence of the " XXXX WARRANTY for SERVICE CONTRACT '' on my loan contract but did not offer a clear explanation for its inclusion. When I expressed my desire to cancel, the supervisor assured me that it was indeed possible to cancel the warranty and receive a refund that would result in the being applied to the loan 's principal, which currently stands at {$12000.00} ( See attach XXXX  ). 

The supervisor at Westlake Financial told me that to proceed with canceling the warranty I would have to call XXXX. XXXX as indeed I did it XX/XX/XXXX, she told me they can not do it. So then, I contacted XXXX XXXX ( XXXX XXXX  ) on Monday, XX/XX/XXXX. However, my attempts to reach a representative were largely unsuccessful, and when I did manage to speak with someone, I was informed that the warranty contract had expired on XX/XX/XXXX. This contradicts the information provided by Westlake Financial, and the representative refused to transfer my call to a supervisor, citing the absence of a binding contract between us.
Consumer complaint received 2023-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I am filing this complaint against my mortgage company PHH Mortgage. I have already filed this complaint once but nothing was done. The complaint # is XXXX. As I stated in the original complaint, My payment for the month of XXXX went from {$830.00} to {$1400.00}. When I called to ask why I was told it was because my insurance went up, which I confirmed with my insurance company. What I also found out was that the insurance was never paid. It was due in XXXX. So my carrier dropped me leaving me with no insurance for 5 months. My question and complaint is this, if they never paid my insurance, where did the additional {$650.00} go? It did NOT go to the insurance company so it must have gone into the coffers of PHH. Since then I have had to get new insurance and had to pay for a home inspection as well of {$110.00}. I am not going to let this go with this company. If I have to file a small claims case for it I will. I have never filed any kind of claim for anything ever. But like I said, I am not willing to let this go. I asked PHH to apply the additional funds that they charged me for XXXXXXXX XXXX payment to the principal and they flat out refused.
Consumer complaint received 2023-07-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (AZ)

Recently my place of work was hacked somehow, forcing the company to write physical checks, I have been depositing the same check to Wells Fargo for at least a year now and it shows up the same everytime. The most recent one was placed on hold, I have dealt with holds before, but this one is an exuberant wait time of 12 days. I believe the maximum a bank is able to with hold a check is 7 by Law, meaning there is an extra 5 days added to my wait time. Apparently it was held for a bad signature and when I called and asked there was nothing they can do about it. I have bills I need to pay, my account is over drafted because I had to pay my rent. I literally will be paid again before this check clears.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

On XX/XX/23 I tried to create an online account so as to be able to place a credit freeze on my information. I received a message that I was unable to complete this and that a verification code would be sent by regular mail. 
On XX/XX/23 I received the verification code by mail, then went to the web site and entered my email address and the code. I received a response that my account was set up. 
However, when I tried to the enter the account with my email address and previously set up password, it failed. Presumably I had the incorrect password. I then tried to use account recovery, but it has also failed and I received a message to call Equifax. 

On XX/XX/23 I called Equifax and spoke with XXXX. She reset the password after a lengthy complex identification process involving taking photos of my idea and myself, etc. Then she told me not to log in for XXXX minutes. But then she told me to log in while talking to her anyway and the log in failed Then she told me to wait XXXX hours, which I did. The login with the new password failed again, as it also did XXXX hours later. 

My only recourse seems to be to call Equifax back and do another password reset, but from reading similar experiences online it seems very likely that the same thing will simply happen again. I'm amazed that people who have such a poor online account system are allowed to handle my sensitive information.
Consumer complaint received 2023-06-29
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. (MO)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-06-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation (NC)

When I got my loan from one main financial I had no control over the computer when I was signing the contract and adding Gap insurance. The lady asked me how long I had been at my job and I told her about 7 or 8 months. She then asked if I wanted to add Gap insurance. I said yes. She asked me if it would be ok for her to have control of the computer so we could get the contract finalized faster. As she went through the terms and conditions never did she mention that I was not eligible for Gap insurance because I had not been at my job for at least a year. So few months later I lose my job and I call one main to see how to get my gap insurance to kick in, I was told that I was denied because I havent worked at my job long enough but one main sure did take my payments from me with that extra charge for my Gap insurance that I was not eligible for. I would have never agreed to the loan had I been told the truth. I never received a copy of my loan terms and conditions nor did I even get to read the terms and conditions before I signed.