davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I pulled my credit report from Equifax. I noticed a collection account on my report that should not be on my report as the statute of limitations to collect and report the debt have well since passed. The alleged debt still owed is from XXXX University  in the amount of {$1400.00}. This account was opened in XX/XX/XXXX. I filed a dispute through Equifax and their response is that the debt was verified, however, I made it clear to them when I filed the dispute that the statute of limitations of 7 yrs has long since past. In their dispute answer, it states that the last payment made on the account was in XX/XX/XXXX. This is utterly false. However, I have made *no payments* on this account since on or around XXXX. In the past several years I have also attempted to contact XXXX to inform them they need to remove the account from my credit report. They have not complied. Please also note that this account has long since dropped off my XXXX  and XXXX  credit reports. I request that an investigation be open and to have XXXX *prove* that my last payment was in XX/XX/XXXX ( which of course they can not ). It has been more than seven years since my last payment and I request that it be removed from my Equifax account. Thank you for your attention to this matter.
Consumer complaint received 2023-05-12
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. (CA)

In accordance with the Fair Credit Reporting Act. Transunion, XXXX, XXXX, and the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. The Credit reporting agencies are displaying my private information publicly without consent. The institutions have not furnished the items below required by law. 15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-14
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. (NY)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NJ)

On XX/XX/2019 I filed a complaint with Paypal concerning a charge on my debit card. Paypal failed to  determine whether an error occurred within 10 business days. On XX/XX/2019 I contacted Paypal and asked if there was anything that I should do to complete the claim, to no avail. No provisional credit was provided and no determination of whether an error occurred was provided until XX/XX/2019 when my claim was first denied.. I request a final provisional credit be provided by Paypal. On XX/XX/2019 Paypal received additional documentation from me. On XX/XX/2019 Paypal merely said that the next update would be on XX/XX/2019, to no avail. I requested another update and on XX/XX/2019 Paypal said no provisional credit issued because of the nature of the dispute with merchant.On XX/XX/2019 in response to another request for an update from me, Paypal said my dispute not covered by Regulation E. On XX/XX/2019 again in response to, my request for another update, Paypal said it was not a billing error. 

Paypal violated 12 C.F.R. Sec 1005.11 ( c ) ( 1 ).
Consumer complaint received 2019-12-18
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: Experian Information Solutions Inc. (PA)

I sent a certified letter XX/XX/2019 asking " XXXX XX/XX/XXXX XX/XX/XXXX'' to provide me with A verification letter about A loan showing on my credit reportXX/XX/2019. The company does not list a phone number on the report, but instead lists a " By Mail Only '' so I assumed the address they are using is up to date and accurate. I received an alert on XX/XX/2019. stating that my letter was being " Returned To Sender '', because the address was " Not Known '' at the delivery address noted on the package. " If the information being reported is inaccurate it is illegal for it to be reported. Please help me have the company comply with the FCRA and either update its information that is being reported to the credit agencies or remove the information all together if they can't provide accurate information. I had 2 accounts lower my credit limits and 1 close altogether because XXXX XXXX XXXX XXXX is reporting incorrectly.
Consumer complaint received 2022-05-27
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. (SC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX account # XXXX XXXX, has violated my rights XXXX XXXX  XXXX account XXXX XXXX XX/XX/XXXX {$2200.00}, refuse action XX/XX/XXXX {$1200.00}, no action XX/XX/XXXX, completed investigation XX/XX/XXXX {$410.00} no action taken 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 or information. Any other adverse item of information, other than records of conviction of crimes which atedates 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 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have never missed a mortgage payment in 10 years with wells fargo Recently i have been paying down my mortgage with principal only payments Issue is WF continues to misapply funds. Regular payments of XXXX {$1400.00} have been paid for 10 years. I pay from my credit union account to wells fargo. The payments get applied as principal and vice versa, principal only payments $ XXXX {$4000.00} per payment, get misapplied as well. 

My account is now over due and late fees have been applied. 

I have contacted wels fargo 5+ times to get this resolved. They tell me it is a " software coding '' issue. 

I am concerned that my credit rating will be impaccted by this. 

I am not in or near finanical distress this is an administrative issue that needs to be resolved by Wells Fargo Well Fargo has told me 3 + times that the issue is " resolved '' but it  continues to persist. 

This issue is active and has been ongoing for the past 3 months or so
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX XXXX told me that the company will help me negotiate my debt to all my creditor, Never informed me that some creditors will never negotiate. I am being sued by American express owed {$7400.00} and XXXX owed {$2700.00} in credit card debt. I notified freedom debt that american express and XXXX sued me. According to XXXX XXXX which is National litigation will help me resolved the problem becaused they do not take care of legal natters. XXXX XXXX emailed me last XXXX XXXX under XXXX and XXXX, XXXX the power of attorney to be notorized and returned the letter the agreement hires them to negotiate and settle my account. Unfortunately, american express and XXXX does not want to negotiate with them. Now, XXXX XXXX wanted me to directly negotiate with my delinquent creditors because they do not take care of legal matters. XXXX terminated my case because someone from XXXX debt terminated it. I notified freedom debt and national litigation that I submitted the letter to court. I am expecting that the company will help me resolved my problems by helping me negotiate with my debt. XXXX sent me the letter XXXX saying I withdrew my membership which I did not do. Can someone help me
Consumer complaint received 2019-12-18
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: WELLS FARGO & COMPANY (PA)

I sent a certified letter XX/XX/2019 asking " WF DEALER SERVICES '' to provide me with A verification letter about A loan showing on my credit report XX/XX/2019. The company does not list a phone number on the report, but instead lists a " By Mail Only '' so I assumed the address they are using is up to date and accurate. I received an alert on XX/XX/2019. stating that my letter was being " Returned To Sender '', because the address was " Not Known '' at the delivery address noted on the package. " If the information being reported is inaccurate it is illegal for it to be reported. Please help me have the company comply with the FCRA and either update its information that is being reported to the credit agencies or remove the information all together if they can't provide accurate information. I had 2 accounts lower my credit limits and 1 close altogether because Wells Fargo Dealer Services is reporting incorrectly.
Consumer complaint received 2019-12-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

I have made contact with Prestige Financial Services Administration MrXXXX XXXX, XXXX and XXXX and respectfully told them that l am returning the vehicle to Prestige as they can not accept payments of {$270.00} or {$280.00} @ month on Auto loan. 
I have been having issues with Prestige on auto loan and unaffordable payments and high interest rate of 17 & since l purchase vehicle on XX/XX/XXXX. 
I am respectfully returning back XXXX XXXX XXXX XXXX with XXXX miles, immediately and vehicle is park in front of the house where l live at XXXX XXXX XXXX, XXXX, California XXXX. 
Vehicle is in excellent condition and l took pictures and video for a inventory. 
I am returning vehicle to Prestige and will not operate vehicle anymore and l have contacted California DMV that l am returning vehicle to lienholder.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (NY)

Im currently XXXX  now. I have been using my card as a means to get by. For my day to day expenses. I live in XXXX everything is expensive. Most of the time my money is done in a instant. Because I don't have a steady place to lay my head, I buy a lot of food from fast food stores. I go to pantries a lot but I cant grab like meat and stuff like that. I have no where to store it. I need help please. I have amounted {$6000.00} in credit card debt. I have sent several letters to my credit card company. I have not gotten a response back.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

I was sent XXXX $ to my Paypal prepaid Mastercard, and they put a hold on the money but it was received. But I've done all the requirements to uplift the hold on the money I have on my Paypal account so I can transfer it to my Prepaid Paypal Mastercard. They said they can hold it up to 21 days because I'm a new account holder, but there was waysto get the money faster, which I followed every step but still have a hold on the money.
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (MO)

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & XXXX XXXX XXXX XXXX  Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g. 

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about about whom the report relates. The following account [ XXXX XXXX XXXX ], is not accurate. 

[ XXXX XXXX XXXX ] open and closed date is inaccurate with the amount of $ {$21000.00}. This is not my account, I've never given my consent to open this account, according to the credit fair act law called 15 U.S.C. Sec. 1681i. By law, I have rights to challenge anything I am not sure is accurate. I also have a fraud alert on file on my account to prevent acquisitions like this. Please investigate if every piece of information is correct. If not please remove it from my credit report. Thank you!
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WA)

Today, XXXX XXXX, 2021, while purchasing a XXXX XXXX airline ticket, I was prompted that I would receive {$300.00} off the ticket if I applied for the pre-approved credit card. I applied thinking that I would save some money. I did not receive the {$300.00} off when I finalized the booking. And now apparently I have a Chase/United credit card with a {$95.00} annual fee on top of the full airfare. I tried to cancel the card immediately, but with NO options to decline the card. What are my options to decline a credit card?
Consumer complaint received 2019-12-18
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. (MO)

I have a collection account recorded on all 3 credit reports from XXXX saying I owe them {$790.00} and I have no knowledge of this account. Ive disputed it, yet it still remains.
Consumer complaint received 2019-12-18
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 have a collection account recorded on all 3 credit reports from XXXX saying I owe them {$790.00} and I have no knowledge of this account. Ive disputed it, yet it still remains.
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Resolution Corporation (MO)

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & ACCOUNT RESOLUTION COR Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction.  According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Consumer complaint received 2019-12-18
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: Experian Information Solutions Inc. (MO)

I have a collection account recorded on all 3 credit reports from XXXX saying I owe them {$790.00} and I have no knowledge of this account. Ive disputed it, yet it still remains.
Consumer complaint received 2019-12-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MN)

Ocwen/PHH placed homeowner in foreclosure using questionable methods of inaccurate accounting, and has potentially been found to be Dual Tracking ( illegal in MN per the sheriff office phone call ) the process. Phone calls and Emails directly to the company have been made by the homeowners on many different and recent attempts, and outside services have been notified by the homeowners of this unnecessary situation, yet the company has eluded the provision of accurate or relevant answers. 
The company seems to have a difficulty applying the payments the company received on time and in advance since the beginning of the loan. ( See submitted paperwork ) They have held payments in a suspense account from XX/XX/XXXX-XX/XX/XXXX charged late fees, sent the suspense money, which was held for 7 months, back to the homeowner, and proceeded with reinstatement quotes in lieu of the foreclosure that was initiated. 
The homeowner has repeatedly asked for clarifications without receiving any response. 
They have reported to the credit bureaus late payments and foreclosure literally destroying credit worthiness of the homeowner for any future financial decisions. This seems like a hostage arrangement. 
There is a financial nightmare that was created because payments were made but not applied. 
They have failed to send relevant and timely communication when asked about any statement errors. 
The company coerced a poorly structured loan modification with a balloon payment in XXXX by doing the exact same payment withholding practice, knowing that a loan modification would hinder any conventional refinance options. 
The Company name has recently changed in XXXX, but the practices have not, and now the company has made the homeowner out to be the one in error, thereby potentially forcing a foreclosure sale ( It is scheduled XX/XX/XXXX at XXXX ) despite homeowners many efforts to dispute and gather any accurate account information, and have the company correct their accounting practices -- mismanagement of funds The MN Dept of Commerce was included in the Complaint. 
The MN Attorney General was included in the Complaint in XX/XX/XXXX and has not received any word from Ocwen/PHH. 
XXXX XXXX has claimed over the phone ( XX/XX/XXXX ) a foreclosure has been postponed, but as of XX/XX/XXXX, as I type this, there has been zero proof of postponement per the MN state law, so the homeowner will be at the courthouse in MN at the scheduled time in the morning just to verify the accuracy of the phone conversation. 
Ocwen/PHH is extremely untrustworthy and has attempted this practice many times on this account.
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has committed Securities fraud and Identity fraud. I never consent the using my name which is identity left. XXXX XXXX XXXX has taking Securities out in my name without my consent. All debt is prepaid with my XXXX XXXX XXXX.