davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
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. (OH)

Equifax has been reporting the wrong information about me. They have no reason to lower my score. I've never missed a payment on my credit cards and now because of them XXXX has lowered my balance and there is no reason. They said it was lowered because of Equifax. What is the point of having credit cards and paying a yearly fee if when you use them you get your score lower.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (PA)

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. 

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 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 2022-12-02
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. (TX)

FCRA Violation : credit card not mine XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Unauthorized hard Inquiries on my transunion credit report that needs to be removed. 

XXXX XXXX XXXX XXXX SO XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX   XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2018-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MO)

Due to major cutbacks at my husband 's job, we inquired about a modification from our loan company and our deadline was XX/XX/XXXX. I got all the necessary paperwork and faxed the packet XX/XX/XXXX. I completed a prior modification in XX/XX/XXXX and had no issues at all and we were granted a lower payment. This time around was totally different. The loan company told me to give them 7 days to review the packet ... so XX/XX/XXXX I started calling to see if they accepted the packet. I needed additional information so I faxed it over waited 3 days and called. They had excuse after excuse ... they told me my 1 and my 2 were too close together for my zipcode. So I sent it again. Then they said the tax forms was missing a signature. I sent that 4 different time. Turns out they were requesting wrong year tax return. My relationship manager was never available I kept getting people who had no idea what they were talking about. We went back and forth until XX/XX/XXXX when they finally accepted the packet. When I received the final copy, we were supposed to review it and sign it. Still after 5 months they somehow got our income wrong so we didn't sign it and I called our relationship manager he  told me to resend copy of paycheck stubs and he would fix it. So I did and called back 2 days later and my relationship manager was transferred to a different area due to a hurricane. No one at company knew anything about my account. So we got a regular statement with our trial payments and first one was due XX/XX/XXXX. So I paid it. XX/XX/XXXX the next one was due when I tried to make payment they said they wouldn't except my payment. Finally after 2 days of calling and speaking to at least 4 different employees one lady finally acted like she cared and gave me the obudsman number. I called them they couldn't believe my experience I had been having but the only thing she could offer was another loan modification. A couple days after our conversation we received the forclosure letter. We were then forced to file bankruptcy and now are drowning due to my lawyer and all the fees to go along with bankruptcy. Bottom line we have lives in our home for 10 years we've raised XXXX kids here and have paid over 30000 towards our loan. We are currently involved in a class action lawsuit against loam company. We need help
Consumer complaint received 2023-06-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (GA)

I purchased a vehicle ( XXXX XXXX ) from us auto sales with a 2 year warranty agreement back on XX/XX/XXXX and before I could make it home the vehicle broke down and had to be towed back to the dealership, the transmission was done. I went back the next day and was put into a XXXX XXXX and mid XXXX, the engine goes out. It sat until XX/XX/XXXX because of the back and forth of who is required to do what. I got my vehicle back and not even 2 months, it's down again, this time needing a transfer case and this is when I find out that us auto sales had but been honoring their end of the warranty contract because they weren't paying dowc ( the warranty company ). I'd made almost {$3000.00} worth of payments by this time, but couldn't get my vehicle fixed under a warranty that I'd been paying for that the dealership was taking. I asked us auto sales about deferring a few payments if I had to pay out of pocket for the repairs and was told they would look into it and the next thing I know, I'm getting emails from Westlake portfolio management, which is a debt collection agency that apparently us auto sales has sold/transferred their debt over to because I was never in debt with them. I wrote a letter on XX/XX/XXXX to Westlake portfolio management disputing the information in which they have because I never signed anything with them and was never informed from us auto sales of the transfer. Because us auto sales seems to be out of business or currently in a state of bankruptcyXXXX  there is no one to uphold the contract, they voided our legally bonded contract by stealing money and not honoring the terms as agreed.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following inquires are on XXXX and Transunion Reports and I did not authorize. I have called the companies and have been redirected to the credit reporting agencies to remove inquires from credit or directed to CFPB to file a complaint. I also contacted XXXX and Transunion and was directed to file a complaint with CFPB. Below are the Inquires with the credit reporting agency. 

XXXX Credit Bureau XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX- XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 Transunion Credit Bureau XXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (TX)

In XX/XX/2019 I paid down my mortgage to below 30 % of my original loan and they are STILL charging me PMI. I have called many times, I faxed a request to get it removed and they are still charging me 4 months later. You can not get anyone to give you an answer and the PMI department is only available by direct mail or fax. ( The first letter I sent them was returned because the address was wrong. I sent it to the address they gave me. )
Consumer complaint received 2019-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AL)

Today, got fifth call and hangup from XXXX. I called it for second time and lady told me again that it was mine when she called back. Refused to tell me MY NAME. She called back and used fake number and called me a deadbeat XXXX. I know this is not my debt. I'm retired, own 3 homes in XXXX, XXXX, and XXXX. Have over $ XXXX in LIQUID ASSETS and credit rsting of XXXX. I've had it with this XXXX and wish to take revenge on this miscreant.
Consumer complaint received 2023-03-29
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. (MO)

I've been working on repairing my credit for the past month or so. I've asked to update my personal information due the fact that they have all of my old addresses and misspelling of my names on my personal report. I would like for these to be deleted as soon as possible.
Consumer complaint received 2023-03-29
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. (PA)

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. 


XXXX XXXX XXXX XXXXXXXX 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 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 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been denied extension of credit by a credit limit increase. I communicated with the company requesting a statement of reasons as to why such action was taken against, the company has failed to do so. The company has violated 15 U.S. Code 1691e and 15 U.S. Code 1611 and is subject to both civil and criminal liabilities.
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Coradius International LLC (NY)

It has come to my attention that American Coradius International LLC, XXXX XXXX, XXXX XXXX XXXX, creditors and debt collectors, as defined pursuant to 15 USC 1602a ( g ), and 15 USC 1692a ( 6 ) has violated my rights as a consumer pursuant to title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act, and 15 USC 1692 Fair Debt Collection Practices, by misinforming me about the use of my credit, invading my privacy, furnishing deceptive forms, and by providing abusive and unfair debt collection practices. Pursuant to 18 USC 8, the alleged debt was already paid for under the obligation of the United States. Pursuant to 15 USC 1602a ( g ), I am the person, and the original creditor who is federally allowed to extend credit to any, and all banks. American Coradius International LLC, XXXX XXXX, XXXX XXXX XXXX  never loaned me money. Banks can not loan money, Congress never gave banks the power to loan money.
Consumer complaint received 2021-09-23
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: CBC Companies, Inc. (CA)

There are many accounts with my name on them but with incorrect information such as addresses and phone numbers. The addresses and phone numbers following do not belong to me and never did belong to me ; XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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: CREDIT ACCEPTANCE CORPORATION (MI)

Updated and new information in relation to CFPB Complaint XXXX response letter attached to this complaint. My initial complaint also stated that Credit Acceptance is in Violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
In response the my privacy rights being violated Credit Acceptance has not sent me an annual privacy notice disclosure for XXXX, XXXX, and XXXX this violates XXXX XXXX : I would like to ask when I am supposed to receive my privacy disclosures as a customer/consumer? I would ask that if you are in violation not to ignore my request and just answer to what you can slide around without answering please give me the information I am asking for? 
Delivering Privacy Notices You must deliver your privacy notices to each consumer or customer in writing, or, if the consumer or customer agrees, electronically. Your written notices may be delivered by mail or by hand. For individuals who conduct transactions with you electronically, you may post your privacy notice on your website and require them to acknowledge receiving the notice as a necessary part of obtaining a particular product or service. For annual notices, you may reasonably expect that your customers have received your notice if they use your website to access your financial products or services and agree to receive notices at your website, and you post your notice continuously in a clear and conspicuous manner on your website. - I have never been asked for permission to receive my privacy notice electronically nor have I ever agreed to received privacy disclosures electronically from Credit Acceptance thus Credit Acceptance is in violation of not sending me privacy notices for XXXX, and XXXX under the Gramm-Leach-Bliley Act
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

I'm dealing with wells fargo bank since 4 years what's happening with them since few months ago and these days speciffecly is after i tried to purchase for a fly ticket it shows on my checking account that the is gone it doesn't appear anymore but it didn't show as payement submitted or in the account activity i cancelled a fly ticket in the same day which means that if they took the payement they will refund or if it's on hold it should show up in my checking account, i called my bank i have the payement history i have screen shots showing the card i used to pay, the agents seem like they don't know they put me on hold and the cut the call the amount was XXXX $ on XX/XX/XXXX XXXX another amount of XXXX $ on XX/XX/2021 for Business funding solution
Consumer complaint received 2019-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I have a scheduled sale date on my home for XX/XX/2019. I was under impression that I was getting help from Ocwen Loan Servicing, and then I received a transfer notice from Ocwen that I was being transferred as XX/XX/XXXX, XXXX before the transfer Ocwen had already given me the amount of {$2400.00} as my payments. I was waiting for the actual trial agreement to send the payments. 

I have been waiting to hear from Ocwen, then the transfer took place and now I have a sale date of XX/XX/XXXX, XXXX never received an correspondence from PHH.

I received nothing from PHH continuing where Ocwen left off. The only information I received was Mortgage Account Record, FDCPA Validation of Debt. 

I never received the welcome letter offering to help me save my home in any way. 
I did not receive the Sale Date information, I found out from a company offering to stop the foreclosure sale for me. 

The transfer took place XX/XX/2019 and every time I called concerning my account they told me the loan was not in the system yet. That was XX/XX/2019. I was not given any information of options to save my home. 

I feel that I have been treated very unfairly and did in fact experience discrimination in this situation.
Consumer complaint received 2016-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (CT)

I keep getting calls from XXXX XXXX XXXX which I have reported. On XXXX, the ROBO call said that if I am this person, press XXXX and if not, press XXXX. I did press XXXX, but they keep calling me sometimes twice a day anyway.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To get the agency to help me get TransUnion to take action to remove these items that I have requested to dispute and remove. 
Fraudulent Inquiries : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (FL)

I hired XXXX XXXX XXXX last year to help consolidate and pay off credit card debt especially my Discover account which had a big balance. As the months went by they were never paying Discover. At the end of XXXX last year my checking account had a levy put on it and all my money was taken in a garnishment. This was the day before rent was due in a new apt . I was left with nothing to pay rent or anything for food and to survive. An attorney 's office working with Discover did this for non payment. After going back and forth with Discover and XXXX XXXX XXXX. Discover stated they would have taken {$250.00} a month towards my debt and XXXX said that Discover would never negotiate so they made no payment and yet I was paying XXXX {$440.00} a month. That weekend I starved and was worried I would be kicked out of my apt . which had just happened to me because the place I had rented for 3 years the landlord died and the family wanted to sell the house and I had to move within 15 days.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (PA)

I purchased an XXXX  computer from XXXX XXXX affirm. On the day of delivery I received an email stating that the package was delivered, I knew not to be true cause I was sitting on my porch waiting for the product. Once I realized my package was delivered elsewhere, I immediately contact Affrim who told me it would be resolved in 2 weeks due to an investigation. After 2 weeks I was told by Affirm there is nothing they can do and it will be reported on my credit if I didn't pay. After countless phone calls, a derogatory impaction was submitted to my credit score by the debt collector XXXX XXXX, who told me that they have no control over the debt but to do what Affrim tells them to do. This whole process has been a year-long process of false and unfair credit reporting.
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (NC)

requested lower interest rate on my account. was not aware my account had been revoked. have for the past 8 yrs have made payments on due dates i am XXXXyrs old and asked for a lower rate to pay off my debt while i am mentally able
Consumer complaint received 2018-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (TX)

Perfection Collections has an account on my credit report for an alleged debt thru XXXX. I have spent well over 30 days trying to get documents to validate this debt, and they are not cooperating. I sent a certified letter to them, and they have not responded with the documents I asked for, and refuse to delete the account from my credit report. The account is shown with an amount due of {$1900.00}. I have asked for something in writing from XXXX showing the charges that equal that amount they are reporting on my credit, and XXXX states they do not have that. He has since sent me a pretty generic statement showing a list of invoices, with a list of payments, and none of that shows an amount due, the original amount, etc.. The contract thru XXXX  does NOT mention that I agree to pay a 3rd party, or any assignees, it shows several areas scratched over, and changed, and Ive certainly never had a contract with Perfection Collections. When I spoke with the supervisor at the collection agency he stated that since they bought the account they bought the contract as well, and thats why I owe them. I told him that was against the law, you can not substitute yourself into a contract, and he states thats perfectly legal, even tho subrogation is against the law with debt collection- The right of subrogation does not exist for a stranger to the transaction XXXX XXXX XXXX XXXX, section XXXX. This has been an ongoing battle, XXXX keeps telling me that they have validated the debt, and they wont delete the account, even tho I have proven that they are in violation. I am located in Texas, and the laws in Texas are very specific about what the collection agencies have to provide, and Perfection Collections is not providing that information and they are violating my rights.