davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (MO)

Hello, On XX/XX/2019 unauthorized charges were made on my NetSpend prepaid debit card account totaling XXXX. These charges were made in XXXX XXXX, FL and I live in XXXX, Mo. I disputed these charges with NetSpend and was informed to contact them today XX/XX/2019 for provisional credit. As advised I contacted them today and found out that they are holding me liable for these charges because my account shows that it's set up with text and email alerts. I informed them that I only get deposit information to my phone, however I do not get information when charges are made on my card. The email address they send alerts to is one that I don't have access to and haven't in years. I am desperate because this was all the money I had in my account and they are refusing to give it back to me. They didn't apply a provisional credit to continue the investigation and have closed the dispute. I am fighting for my funds back because I was in XXXX XXXX while this person was charging my card and when my card was locked, I tried calling them but their line was closed. I had no choice but to wait until the next morning to dispute. Please help me!!
Consumer complaint received 2024-03-08
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. (ND)

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 u.s.c 1681.. Account name ... XXXX XXXX .... Account # XXXX ... Account Name .... XXXXXXXX XXXX ... Account # XXXX ... Account Name.. XXXX ... Account # XXXX ... Account Name ... XXXX.. Account # XXXX ... Account Name... XXXXXXXX XXXX ... Account # XXXX XXXX Account Name .... XXXX XXXX XXXXXXXX... Account # XXXX XXXX Account Name... XXXX XXXX XXXX  .... Account # XXXX 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 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-19
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: GOLDMAN SACHS BANK USA (MO)

To Whom it may Concern : In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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. 

Apple late postings XXXX XXXX, XXXX, XXXX and XXXX XXXX  late postings XXXX XXXX XXXX late postings XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-12-14
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. (NJ)

In accordance with the fair credit reporting act, The list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681.. 

XXXX XXXX XXXX .... # XXXX XXXX/ XXXX Account number # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
Has violated my rights.. 
15 u.s.c. 1681 section 602 A. State i have the right to privacy.

15 u.s.c. 1681 section 604 A. section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information / other than records of conviction of crimes witch antedates the report by more than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I am writing to address a significant error on my credit report resulting from incorrect reporting dates on accounts with the banks mentioned. Due to an error by the bank in sending statements to the wrong address, I experienced late payments that were not accurate. The bank has acknowledged the mistake, and I urge you to promptly update my credit report to accurately reflect that the accounts were never late, ensuring the correction of this error that adversely affects my credit standing. Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$65000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax is reporting a XXXX account # XXXX That does not belong to me. It belong to a company that I worked for as an employee. I have disputed this account multiple times with the XXXX directly and they have not deleted the account from my report. It is also showing the account type as unknown. I need XXXX to delete it as they are reporting inaccurate information in my report.
Consumer complaint received 2020-12-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I tried to contact PHH with no luck I am not sure what is going on with the forbearance in XXXX when I did not get any response, we sent the payment, and it was returned my son gave us money which I immediately put in the bank but the bank is saying it came in after the payment on the same day so they returned the check to PHH. At the time of doing all of this my family had XXXX, it was very difficult for us to get anything done with 7 of us sick. We were never notified of it by my bank nor a call from PHH. I went on the PHH webpage to see about the forbearance and that when I saw that the check bounced I right away paid online but they still reported us late I was under the impression that XXXX would be part of the forbearance. That is why I was asking for a forbearance plan we are a month behind we need help. I went on to XXXX XXXX it is showing that I am due for my next payment again we are just getting back on track. My family all 7 of us had the XXXX XXXX in XXXX plus I lost my job which is why I ask to start this in XXXX for 3 months, not XXXX, I ask them to please have a customer service rep call so I can understand what is going on. 
We are not 60 days late as you are reporting to the credit bureaus, we are due for XXXX, but it is not late we have up until the XXXX to get you the payment to PHH. We are not in collections. We just need some help like many Americans my husband is a XXXX veteran that was very sick with this horrible XXXX  again all 7 of us contracted the XXXX  and we short on the payment for XXXX, but I thought the forbearance started when I ask for it in XXXX. 
I have sent them numerous emails in XXXX and XXXX never got a response tried calling only to be discounted can not leave messages in mailboxes they are full. 
I finally received an email saying they are sorry that it took so long to get back to us and that we have the forbearance started does not say when it started. PHH and now you are reporting us late for XXXX and XXXX which should not be. How can they ignore all the emails that I sent asking for help really begging for help do you think homeowners like to beg for help. Right now because of PHH reporting us late it has affected us terribly we are sinking I feel PHH is treating me like a piece of dirt, I really was counting on PHH to help us I thought they would do the right thing and help homeowners not ignore them and ruin their credit. This is the second time PHH has not followed thru or help in 2019 they misapplied my payment and it took them 6 months to fix PHH needs to be looked Ocwen owners them and Ocwen has been banned from doing any mortgages in MA.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I disputed an account on my credit report that's been on my report for over 7 years. The XXXX account that I'm referring to has been successfully disputed and cleared from my account when I brought it up with XXXX  and XXXX. I disputed this account with Experian and they refused to take it off my Credit report.
Consumer complaint received 2020-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Delta Management Associates, Inc. (NM)

For over 5 years now : This company is BULLYING me, my family, my friends, and my inlaws with phone calls using threats and profanity trying to find me to collect student loans that I am currently paying off to another company ( XXXX ).  XXXX XXXX is the person doing it. XXXX ext XXXX Tactics used : 1 ) Misinformation.

2 ) Bullying : harsh language, threats, profanity.

3 ) Giving my private information to others.

4 ) Harrassing non relevant people like my friends and in laws.

5 ) Harrassing my place of work asking for social security information, wages, and health issues.

6 ) Now they are threatening wage garninshment using a different company called XXXX, If I DID owe Delta money, why is XXXX being used for illegal wage garnishment? This is a scam.
Consumer complaint received 2022-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

I have been trying to close my PayPal account for almost two weeks now, and I keep getting the runaround from customer service. There are no open transactions. PayPal is intentionally stalling the closure of my account because it is bleeding accounts as thousands of people are also cancelling. Please help!
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS APPEARING ON MY XXXX, XXXX   AND EQUIFAX CREDIT REPORTS. 
XXXX XXXX XXXX IN RESPOMNDING TO THE CFPB ON XX/XX/2019, SAYS '' THE ACCOUNT IS NOT THEIRS '' AND IN THIS CASE SHOULD NOT BE REPORTING ON ALL OF MY CREDIT FILES.I HAVE ATTACHED XXXX XXXX XXXX XXXX RESPONSE TO THE CFPB IN COMPLAINT NUMBER XXXX. 
IN ADDITION, XXXX XXXX UPLOAD SYSTEM DOES NOT FUNCTION..AND XXXX REFUSES TO RE-INVESTIGATE CALLING THE DISPUTE '' FRIVOLOUS ''.
Consumer complaint received 2022-05-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (KY)

Summary : Chrysler capital keeps paying property tax bills for a closed account, and we can not get a direct line to anyone to try and fix the title issues with the state. 

The biggest issue here is that you can not get assigned an agent or anyones direct line, so you are routed at random whenever we try to speak with someone about a recurring issue. I had leased a truck through Chrysler Capital, and sold that car- with the existing loan being paid off in full - in XX/XX/XXXX. The car company that purchased the car did not correctly change the title, so the state sent an erroneous tax XXXX to Chrysler capital. Even though the account is closed, XXXX paid it, and then billed me for it. Trying to get this bill removed from our account, we spent hundreds of hours, both with the state and with Chrysler Capital, explaining the situation. They refused to give me a direct line to anyone, so when I would call, I would have to stay on hold for an hour, and then get routed to a random representative. I would have to explain what happened over and over again, only to be told someone was looking into my case and would give me a call. If I missed that call, they would tell me to call the national line again, where the process would repeat. It was impossible to get a real answer out of them. When the state needed forms faxed over to try and close the registration, they took a weeks and we continually received the runaround. 
Finally, We had confirmation in XX/XX/XXXX that our Chrysler Capital account was closed. 
Now we received another bill in XXXX of XXXX with another state property tax bill. We thought this was resolved with the state, and are working on that separately, but ultimately, why is Chrysler Capital still paying bills for a CLOSED account? They should never have paid the bill. We want to be completely removed from their system, but unfortunately can not get ahold of anyone to do so.
Consumer complaint received 2020-12-21
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Texas Guaranteed (NY)

Hello. I was a student at the XXXX XXXX XXXX at XXXX XXXX. My students loans were transferred to Trellis Company a few years ago. Under the Cares Act, current student loans are forgiven for the time being because of Coronavirus. I reached out to XXXX asking if I could lower my interest rate because I was paying throughout the pandemic. They informed me that I do not qualify for Cares Act AND they have been charging interest on my account DAILY. Is there anyway to take action against these charges? This is unethical especially with 6.9 % of the population is unemployed ( according to the Bureau of Labor Statistics ).
Consumer complaint received 2015-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

I am being foreclosed on XXXX XXXX 2015 and Ocwen will not accept my Loan Mod documentation they direct me to email to XXXXXXXXXXXX but the email does n't work every time I send a email it bounces back and reject the documents that ocwen requires to approve a loan mod which means they wo n't even consider the loan modification
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

Case number XXXX XX/XX/XXXX / Case XXXX ( XX/XX/XXXX ) AARGON AGENCY was contacted by me on several occasions after I spoken with them & Medicaid Medicaid ask me to contact the medical billing and ask them to contact Medicaid but they choose not too so Medicaid said it's not much they can do if the medical billing won't cooperate first of all I am so upset and so confused my lawyer was the one who represented this case for me it wasn't slipping fall I was on camera the store manager came to my rescue I had witnesses and then I went to the hospital and then now I have all of this all on me I did the right thing I called and contact everyone before I went to collection agency and now the amount changed for XXXX to XXXX so what's next XXXX to XXXX XXXX to XXXX how am I supposed to pay all of this
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I made a purchase online, but the order was cancelled. Walmart Capital One wouldn't make the funds available even after confirming with me and the merchant that the order was cancelled. After I complained they put another hold in my card for a purchase never made by me.
Consumer complaint received 2020-12-20
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. (OH)

This issue deals with a previous complaint that has been partially remedied.As a direct result of Experian failure to correct erroneous, inaccurate information to my credit file I received numerous credit declines from potential creditors.As stated in my previous complaint I made multiple attempts and request of Experian for correction of my credit file to no avail until now. To date my concerns have not been fully address because of those creditors that Experian reported the misinformation to. I now have inquiries on my credit report that are reporting against me in which I did not benefit because of Experian 's reporting of adverse, erroneous misinformation. Even though the misinformation has been cleared up Experian never notified those creditors of the fact that my credit score was being reporting inaccurately at that time. Experian failure to correct my credit file during that time has left me at a disadvantage and caused me an undue hardship as a result of their actions and I have yet to be made whole. I request to be made whole.
Consumer complaint received 2021-11-09
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. (WA)

XXXX XXXX contacted me by phone offering a credi card account to boost credit score, I was a student, low income. I accepted after was promised coverage on balance if I couldn't pay if I paid extra for insurance to cover card. I did end up having trouble financially, even unable to attend school for that quarter. I called to explain and asked to close the account and settle owing only approx. {$62.00}. They refused to close so interest wouldn't compile, then I asked about insurance so was given a number to call which I was told I'd been charged for insurance but they never paid so no coverage. Unable to resolve. Now they have agreed to close acct but repost to credit agencies under different names. Currently XXXX XXXX XXXX refusing to remove and shows open acct. AND closed. Keeping my score down is lowering quality of life as I am unable to attain loans etc. for a home. Please help. Thank you, XXXX XXXX
Consumer complaint received 2022-10-19
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. (CO)

On XX/XX/XXXX, XXXX I sent a letter to EXPERIAN to correct an account that they are reporting inaccurately, and it is affecting my ability to purchase a home. They have done nothing with the investigation. This account is closed and paid in full and they are reporting a payment status as " paid was past due 180 days or more " which is completely inaccurate, considering they don't even have a last payment date, nor do they have a complete two year history This is an FCRA violation. and needs to be corrected immediately Ive included the letter I sent them as well as a copy of my credit report highlighting their inaccurate reporting,
Consumer complaint received 2022-12-14
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Re : Request for Removal of Unauthorized Inquiries under Section 605B of the FCRA Dear XXXX, Equifax, and XXXX I am writing to request the removal of several unauthorized inquiries from my credit report, as I believe these inquiries are the result of identity theft. This request is made under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ).

I have recently reviewed my credit report and found inquiries that I did not authorize. I have never initiated business with these entities nor have I given my consent for these credit checks. The unauthorized inquiries are as follows : XXXX Inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX Equifax Inquiries 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 Enclosed, please find a copy of my FTC identity theft report and proof of my identity ( such as a copy of a government-issued ID ). Under Section 605B of the FCRA, I request that these inquiries be removed from my credit report as soon as possible.

I also request that you send me a written confirmation of the removal of these inquiries and notify me if any of these inquiries are subsequently re-added to my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely,