davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CO)

ATTN CFPB DO NOT LIST THIS COMPLAINT AS A DUPLICATE! IT IS NOT A DUPLICATE LOOK AT THE DATE THAT IS LISTED ON MY EXPERAIN CREDIT REPORT FIRST! I AM RESPONDING TO THE INFORMATION THAT WAS LEGALLY PROVIDED TO ME BY EXPERAIN! 
I HAVE WRITTEN TO EXPERAIN SEVERAL TIMES IN REGARDS TO THE ILLEGALLY DISPLAYED INFORMATION THAT THEY ARE CURRENTLY DISPLAYING ON MY CREDIT REPORT! I HAVE REQUESTED SEVERAL TIMES THAT THEY LEGALLY VALIDATE THE US BKPT CT COURT XXXX, EXPERAIN HAS LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNTS INFORMATION SEVERAL TIMES! I HAVE PERSONALLY CONTACTED THE US BKPT, AND THE JUDGE IN REGARDS TO THIS MATTER, THE JUDGE IN THIS ALLEGED CASE HAS WRITTEN A LETTER ON MY BEHALF TO EXPERAIN, YET THEY CONTINUE TO REPORT INACCURATE INVALIDATED INFORMATION ON MY BEHALF. CFPB I WOULD LIKE TO KNOW WHY YOU HAVE NOT SENT MY COMPLAINT OVER TO THE FTC, BECAUSE EXPERAIN IS KNOWLY VIOLATING THE FAIR CREDIT REPORTING ACT, AND THE COLORADO FAIR CREDIT REPORTING ACT! I HAVE PROVIDED PROOF THAT EXPERIAN IS WRITTING THAT THEY ARE VERIFYING THE INFORMATION, WHO IS EXPERAIN VERIFYING THE INFORMATION WITH? BECAUSE THE US BKPT COURT HAS WRITTEN ME BACK SEVERAL TIMES STATING THAT THEY DO NOT CORRESPOND WITH ANY CREDIT AGENCYS, SO WHERE IS EXPERAIN RECIEVING THIER ILLEGALL INFORAMTION FROM? I HAVE CONTACTED XXXX XXXX IN REGARDS TO THEM REPORTING INACCURATE INFORMATION IN REGARDS TO THIS ALLEGED US BKPT COURT, AND THEY HAVE WRITTEN BACK TO ME TO CONTACT EXPERAIN IN WHICH I HAVE SEVERAL TIMES! I WOULD NOW LIKE FOR YOU THE CFPB TO DO YOUR JOB AND IF THIS COMPLAINT IS TOO COMPLEX TO SEND IT TO THE FTC BECAUSE THEY ARE THE ENTITY THAT CAN NOW EMPOSE FINES AND FEES AGAINST EXPERAIN FOR A DIRECT VIOLATION OF THE LAWS! IF YOU TAKE A LOOK AT MY PREVIOUS CREDIT REPORTS THAT I HAVE UPLOADED TO THE CFPB PORTAL FOR OVER 3 YEARS NOW EXPERAIN CONTINUES TO ILLEGALL CHANGE THE DATE IN WHICH THIS US BKPT IS ORIGINALLY SUPPOSTED TO BE REMOVED FROM MY CREDIT REPORT! THEY HAVE REPORTED THAT THE DATE IN WHICH THIS ALLEGED US BKPT WAS FILED WAS IN XXXX XXXX, AND THE DATE THAT IT WAS FIRST REPORTED WAS IN XXXX OF XXXX AND THE DATE STATUS IS XXXX XXXX, THESE DATES ARE INCORRECT, AND THIS ALLEGED US BKPT SHOULD BE COMPLETELY REMOVED FROM MY CREDIT REPORT! IF YOU TAKE A LOOK UNDER THE COMMENT SECTION ON MY NEW CREDIT REPORT THEY HAVE NOTED THIS ITEM IS SCHEDULED TO CONTINUE ON RECORD UNTIL XXXX OF XXXX. THE FAIR CREDIT REPORTING ACT LAW CLEARLY STATES THAT A BANKRUPTCY CAN REMAIN ON A CREDIT REPORT FOR ONLY 10 YEARS!!!!! ON XXXX OF XXXX THIS ALLEGED US BKPT SHOULD BE LEGALLY REMOVED FROM MY EXPERAIN CREDIT REPORT! EXPERAIN CONTINUES TO ILLEGALLY CHANGE DATES ON ACCOUNTS WITHOUT THE PROPER VALIDATION ON THE ALLEGED ACCOUNTS WHICH IS A DIRECT VIOLATION OF THE LAW! WHO IS GOING TO DO SOMETHING FOR THE AMERICAN PEOPLE AGAINST EXPERAIN, WHO THINKS THAT THEY ARE ABOVE THE LAW AND CONTINUE TO XXXX AND STEAL FROM THE AMERICAN PEOPLE BY NOT FIXING THE MISTAKE THAT ARE BEING DISPUTED!!!!!!!!
Consumer complaint received 2015-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I have tried several times, since XXXX, to get a copy of my detailed credit report from Equifax, to no avail. With the help of the CFPB ( thank you! ), I did receive printed copies of my credit reports from XXXX and XXXX. 

I am the victim of major identity theft. I did place a fraud alert and security freeze on XXXX and XXXX with Equifax. Equifax kept insisting, both over the phone and by mail, that I lived in XXXX, CA ( where I lived over XXXX years ago ). I kept telling Equifax that I have lived in XXXX, CA for nearly 4 years ; I gave them my current XXXX, CA address. 

Equifax then sent me a letter, received XXXX, stating that on or about XXXX, a " change of address '' had been processed for my account, changing my address back to " XXXX XXXX XXXX # XXXX XXXX CA XXXX. '' Equifax changed the address back to XXXX even though I had a security freeze and fraud alert on my account. 

When I protested the change of address, Equifax said that I needed a letter from my former XXXX landlord, stating that I no longer lived there. The XXXX XXXX, which owns the XXXX apartment complex, then said they could find " no record '' of my having ever lived there. I actually lived in that apartment complex for nearly XXXX years. I did find an old driver 's license ( in an old purse ), with the XXXX address on it. I also found a copy of an old XXXX XXXX lease. The XXXX XXXX XXXX complex stated that they had a new computer system, installed in XX/XX/XXXX, and that they had no tenant records prior to XX/XX/XXXX. The assistant manager of the XXXX XXXX complex provided me with a letter that said, " no record '' of XXXX XXXX having lived there. 

And so, I sent Equifax, via overnight mail XXXX, a copy of the XXXX XXXX XXXX XXXX, a copy of a gas utility bill with my current XXXX, CA address, along with a photocopy of my Social Security card. I also sent Equifax a letter, once again requesting a copy of my credit report as soon as possible. I also requested that all reports and correspondence be sent to my current XXXX, CA address. 

I explained to Equifax that I am very concerned that the current tenant at " XXXX XXXX XXXX # XXXX XXXX CA XXXX, '' or perhaps a prior tenant, accessed some of my mail and personal information. Who else would have changed the address back to XXXX XXXX XXXX in XXXX? As a precaution, I re-forwarded all of my mail from the last XXXX years to my current XXXX, CA address. 

I have completed my City of XXXX Police Department Identity Theft Affidavit, and will be meeting with them this week. I also will send a copy to the XXXX of XXXX Police Department. 

This has all been exhausting, and frustrating. In addition, I am taking care of my mom, who has XXXX XXXX. Any assistance from the CFPB would be greatly appreciated.
Consumer complaint received 2015-10-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: EQUIFAX, INC. (MA)

HelloMy name is XXXX XXXX XXXX complaint is with Equifax Credit continuing wrong information on mywife XXXX XXXX and my own credit report.We have filed bankruptcy XXXX of 2014but reaffirmed our auto loan with XXXX XXXX bank of XXXX, NH and have not missedone payment with them I have put in XXXX disputes with Equifax and have spoke to XXXX XXXX and they have notified Equifax of the correction but have refused to change the status of our credit reportThe other XXXX credit bureaus have made the the correction with our reports but not Equifaxany help with this problem would be appreciatedXXXX XXXX
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

As per my previous complaint ( case # XXXX ), I have filed numerous disputes with Equifax about the " date filed '' that 's listed on the judgement on my report. The court keeps replying to Equifax stating that the " Date Filed '' XX/XX/XXXX on the Satisfied Judgement is verified to be correct ( This is not the date filed but rather the date the judgement was issued ). Equifax took it a step further with the complaint and stated that the court docket documentation shows that the date for the Judgement to be effective was XX/XX/XXXX. The issue here is that I 'm not disputing the date for the judgment to be effective ( which is the date that is reflected on my report and should n't be ). I am disputing the date filed, which is what 's supposed to be reflected on my credit report. The date filed was XX/XX/XXXX which is clearly indicated on the docket. At this point, Equifax updates the report internally but continues to verify with the court who sends the incorrect date ( the court continues to reply with the judgement issue date as opposed to the file date - Which is inaccurate ) and Equifax continues to default back to the wrong date. At this point there are several disputes and just the same old song and dance with the same result. XXXX and XXXX have both resolved this issue. XXXX recognized through their internal review process that the courts are referencing the incorrect date so they manually made the adjustment. XXXX however had a similar outcome to equifax but they internally took the decision to purge the item before I could lodge a complaint. 

Please reference the attachment scan.pdf for the official court docket. 

Thank You
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: USA DISCOUNTERS LTD (OH)

I purchased furniture from USA Living in XXXX on XX/XX/2015. The purchase price was about {$4300.00}. They also added on a warranty and something called debt cancellation program totaling over {$1500.00}. No one explained what the warranty was for or what the debt cancelation was or why I needed it. Neither of these charges were explained in the contract to me. I was XXXX when I signed this contract. I have recently found myself being overwhelmed with debt. They have been calling me 2 to 3 times a day hounding me and harassing me for my late payments. They threatened to contact my chain of command. I finally met with an XXXX Personal Financial Counselor and I asked them to stop contacting me by phone.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo issued XXXX credit cards to me with the last XXXX numbers of the credit card being XXXX and XXXX. In each case, I was the only applicant, am the only Card Holder and primarily responsible for both accounts. The card ending in XXXX is a personal card in my name. The card ending in XXXX is a corporate account. In each case XXXX XXXX is listed as a card holder and primarily responsible on the card ending in XXXX. Wells Fargo refuses to remove XXXX XXXX from both accounts. This has been going on for 3 months and I have wasted countless hours with Wells Fargo and keep getting shuffled around. 

Today I have been on the phone being shuffled through their maze of incompetents. 

They are : XXXX, XXXX, and XXXX. Countless holds and senseless answers and no corrections. XXXX put me on hold XXXX minutes ago and just hung up the phone. XXXX professes to be in the XXXX offices. XXXX months ago, the executive offices were handling this problem and last week they sent me a letter saying that they needed more time.
Consumer complaint received 2015-03-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (CA)

My daughter 's father passe away and XXXX of her Well 's Fargo Loans went into default. There is also XXXX that is current that I am making payments on and trying to get it re-financed away from her co-signer that is her XXXX XXXX. I filled out an application and have great credit, own a home and have a substantial salary! I did have fraud on my credit and emailed a police report disputing any negative issues. After having the XXXX application with my daughter turned down, I submitted XXXX in my name only and had that turned down too!!!!! I do n't understand what is going on and am very upset dealing with them! I want to bring all of the private loans current and feel that they are preventing me from being a credit worthy borrower and need to complete this complaint!
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was receiving by mail several requests from Capital One to acquire their credit card for more than a year. In XXXX, XXXX after learning from their commercial on TV that Capital One would award XXXX miles for using their credit card for every dollar of purchase, I applied over the phone for a credit card. Immediately Capital One obliged by opening a credit card account based upon our credit history. They mailed us XXXX credit cards, XXXX for me and XXXX for my wife. The credit card issued was for those with excellent credit history. Since our credit history was excellent, they sent us the credit card with 'VENTURE ' appearing on the front of the card. Capital one 's web site shows XXXX types of card on their web site. XXXX with 'VENTURE ', and the other, 'VENTURE One ' ( the 'one ' written beneath VENTURE ) appearing on the face of the card. What we received was 'VENTURE ' and we have been using this card since receiving it in XXXX, XXXX. 
Capital One 's web site for 'Travel Rewards ' shows details of miles awarded for these XXXX types of cards. According to their web site, the card with 'VENTURE ' on the face of the card earns XXXX miles while the card with 'Venture XXXX ' on the face of the card earns XXXX miles for every dollar of purchase. For several months since we began using Capital One credit card for our purchases, I did not check the reward miles accumulated in our account. We assumed that Capital One would award us XXXX miles for each dollar of purchase. But when I checked the miles accumulated in our account on XXXX/XXXX/XXXX, I found to our surprise that Capital One was awarding us only XXXX miles instead of XXXX miles contrary to what was shown in 'Travel Rewards ' on their web site. After I complained about the missing miles on XXXX/XXXX/XXXX, they changed the system to award XXXX miles per dollar. But, they are refusing to give us the benefit of XXXX miles per dollar for the past 6 months from XXXX/XXXX/XXXX, the date Capital One opened our account. This is a blatant disregard of the benefit stated in their web site. We have charged {$5000.00} on Capital One 's credit card for the past 6 months and the reward summary shows only XXXX miles in our account. Our account should show a reward of XXXX miles based upon XXXX miles per dollar. We request your intervention as Capital One is reneging on the benefit rewards stated on their web site for the type of credit card issued to us.
Consumer complaint received 2015-04-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Fulton Friedman & Gullace LLP (TN)

I worked out a payment arrangement with Fulton, Friedman & Gullace, LLP. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on XX/XX/XXXX. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out XX/XX/XXXX however they did XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In fact my drafts begin XX/XX/XXXX. I have paid them payments totaling around {$1800.00}. I do n't feel that missing XXXX payment that they never told me about warrants wage garnishment. Please help. I can barley survive now. I barley can afford food for my family. I realized my debt and that 's why I arranged payment arrangements with them so this situation would n't happen. Please help me if you can. I have gotten letters from lawyers for representation and I did n't know I was susposed to be in court.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2015-12-03
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC. (TX)

A man by the name of XXXX XXXX contacted me regarding a debt owed saying it was from XXXX XXXX XXXX for approximately XXXX. This man ID Himself as a detective when he is really a collections agent and stated that I missed a court hearing for a civil suit that was filed against me and that if I did n't pay the moment today a bench warrant would be issued for my arrest and I would go to jail. He also threatened my liscense being suspended and wage garnishment. I want my account removed from this company and k want the harassment to stop. This man did not validate my debt read me the mini Miranda advising me of his attempt to collect a debt and would not provide me with there companies address. I found out through XXXX XXXX XXXX that they sold the debt to XXXX who sold it oracle financial group that they are the ones with the debt.
Consumer complaint received 2015-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (GA)

In XXXX XX/XX/2014, I changed my landline service from XXXX XXXX XXXX to another provider and paid the landline bill in full. 

Since that time, I have continued to be plagued by collection notices from XXXX XXXX XXXX XXXX and Franklin Collections, saying I owe for that account. 

Each time, XXXX XXXX XXXX says there is a XXXX balance. Sometimes they bounce me around to wireless accounts ( where my cell services still resides ) but that is current so irrelevant. 

XXXX XXXX XXXX refuses to provide me with anything in writing showing the account is satisfied. 

The debt collectors are relentless, sending mail notices, calling, hounding. 

My identity has been compromised by having this information sent to these sleezebags. 

My credit is at risk unless I pay $ XXXX+ per contact that I do not owe. 

Please help.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (VA)

My loan was Previously with XXXX it was sold to Ocwen LLC SINCE this time it has been a nightmare to say the least. Very unprofessional company to deal with. I have been hit with so many different type of fees with out explanation as to what they are really for. I contact customer service for assistance with a modification year after year and I still get the same answer we can not assit you, however they still continure to tack on unnecessary fees making it difficult to maintain the mortgage. I feel like this is preditory lending at its best. And Customer Service is the worst. I have asked for a call back from my relationship manager and to this day the only call I recieved was a call from a person that had no clue as to what my concerns were or what I needed assistance with. 

Never do business with this company they are the complete worst!
Consumer complaint received 2015-04-10
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Principal Group, LLC (SC)

I received a call from a " server '' by the name of XXXX XXXX, who contacted me via an unlisted number, stating that he had papers to serve me regarding a payday loan that I supposedly received through an old bank account in 2011. He then provided me with a number to contact the collection agency in charge of the claim to settle the debt. The number provided was XXXX and it led me to a company called Lakefront Processing Solutions, a collection firm in New York. I spoke with a man by the name of XXXX XXXX who went on to explain that I owed some payday company the sum of {$600.00} dollars for defaulting on a loan that I never actually signed for and that I was to be charged with fraud and breach of trust ( He spoke so quickly that I could n't understand half of what he was saying ). I never received any documentation regarding these supposed charges nor any papers regarding the loan in question. All he did was threaten me with legal action if I did not pay him the settlement amount of {$400.00} dollars over the phone. Like a fool, I gave in to the pressure and fear of legal action and paid the balance. He then told me that if I had any further questions I could contact him or their parent company, National Principle Group ( Which does n't seem to exist, as their website is nowhere to be found ), and informed me that no further action would be taken. This is the XXXX time something like this has happened to me and it needs to stop. The practices these people use are illicit and abusive, and people need to understand that they have their rights concerning matters such as this. I wish I had understood that prior to this transgression, but you live and you learn. I 'm not wholly concerned with getting my money back ; I just want to do my part in ensuring that people like this ca n't prey on the fear of honest people.
Consumer complaint received 2015-04-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (PA)

Took out payday loan of {$600.00} and it turns out that the payment plan that they set up continually renews the loan without any of the payment being applied to principal. I should have read the fine print. I believe that the interest rate that they are charging me is in excess of the PA rate cap by law