davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

PHH mortgage gave me a loan modification just before the pandemic hit the world, they never called me or informed me about the forbearance plan that was available, I got to know about this plan from the news, I called them and requested for it, they only gave this plan to me for 6 months in total, whereas I was told that a home owner can opt for a minimum of 12 to a maximum of 18 months depending on the mortgage company. 

I was infected with COVID in XXXX of 2021, and stayed in the hospital for XXXX weeks, but when I returned home, I wasn't keeping well, and this led me to being hospitalized for another 2 months, I was discharged from hospital on the XX/XX/2021 only to learn that my house is in foreclosure and I have had stressful nights with no sleep, I am an old lady and want to save my house as I have no other place to live. 

I want PHH to start working with me on another loan modification so that I can start making my payments on the mortgage. 

PHH has my property value as more than {$1.00} XXXX, where as my certified appraisal report says it's only for {$1.00} XXXX.
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (TX)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Never owned said vehicle finance by XXXX XXXX XXXX XXXX. Have I told them to provide proof of this information and I have not received any proof of any loan documents with my signature?
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CT)

Regarding a Wells Fargo checking account - being an accountant I actually monitor the account throughout the day so I observe in real time how debits and credits affect the account. At one point in the day, when the account had something like a {$3.00} balance, Wells Fargo allowed a {$14.00} charge to go thru then bringing the account to a negative balance. There were not enough funds to cover this charge so it should clearly have been rejected. Nope, not at Wells Fargo who revels in making their earnings thru the {$35.00} fees assessed on their accounts. By allowing the {$14.00} charge to go thru and have the account go negative, they then assessed the {$35.00} fee.
Consumer complaint received 2020-06-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (CA)

I have a loan with Sallie Mae. Several months ago, they emailed me saying that they could provide 'assistance ' during COVID. I inquired about what that assistance looked like, and then decided I did NOT want that assistance. To be clear, I never asked for my loan to be placed on forbearance, I simply inquired about what it would look like. 

Sallie Mae placed my loan on forbearance anyways, without my consent. I called Sallie Mae and spoke with a manager, who agreed that I did not consent to getting my loan put on forbearance, and that he would take my loan off forbearance. 

Two months later I get an email saying that only now is my loan being taken off forbearance, which means my loan was still on forbearance after I was told it was being taken off. I spoke with the same manager on the phone, who told me that he in fact DID take my loan off forbearance, but that their 'system ' automatically put me back on without my knowledge or consent. Not only that, but their system had done the same thing with every single customer that wanted to be taken off forbearance. To repeat, every person who had requested to be taken off forbearance was automatically put back on. 

I find this practice predatory as they try to squeeze more money out of young people who are already struggling. It is reasonable to expect Sallie Mae to come back with an explanation of why this happened and then provide a detailed, step by step response as to the actions they will take to prevent this from happening in the future. Thank you.
Consumer complaint received 2024-03-07
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. (NY)

Under the Fair Credit Reporting Act, the accounts listed below has infringed upon my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX  XXXX  : # XXXX, has violated my rights. 

Failure to provide original contract with the original creditor, Inaccuracies being reporting and a list of other violations that are against the law of the Federal Reporting Credit Act. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

These inaccuracies are hindering my ability to secure new credit cards and acquire a home for my family. The presence of these inaccuracies on my credit report is contributing to ongoing financial strain.
Consumer complaint received 2020-09-04
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)

At this point I feel like I've been getting taken advantage of by the credit bureaus. On XX/XX/XXXX I noticed additional addresses on my credit report so I sent in a letter requesting all inaccurate names and addresses be removed. Now four whole months later the names and addresses are still there. Now fast forward it to XX/XX/XXXX, I sent a letter regarding more inaccurate and unknown things on my credit report but to this day over 60 days later I haven't seen a response. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They did not do this so I had to send in a complaint to CFPB and it was only after that complaint that I even got a response at all, but they responded with some type of response saying they don't think it was me and they need a copy of my drivers license. This is ridiculous because as I previously stated I sent a letter in May asking for them to remove all names and addresses that weren't included on my drivers license, so clearly they've had my drivers license ( and I sent a copy of my social security card also ) since May. I demand that these accounts be deleted immediately or I will have to file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach so my information was probably put in the wrong hands. Hopefully it won't take another 120 days that they'll take advantage of me again.
Consumer complaint received 2022-04-01
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. (FL)

I am here to provide proof that Equifax did an illegal act and broke the Fair Credit Reporting Act when they had re- aged a XXXX XXXX  XXXX Account which is reporting on my credit report. All the evidence is taken from the Equifax online account. It has the date at the top of the page when the information was downloaded. Equifax was saying that the XXXX XXXX  XXXX Account that is reporting on my credit report was XXXXyear, XXXX months and XXXX days old. On the Equifax report they claim that the last payment on this account was XX/XX/XXXX. So, they were determining the age of the account based on the date that they claim that the last payment was made on the account and this was illegal. This is despite the fact that on the credit report they are claiming that the account was opened in XX/XX/XXXX. They have now corrected the age of the account after filing my complaints. Because of the violation I asked them to delete XXXX  XXXX XXXX from my credit report but they have refused. This complaint will be apart of the suit that I tend to file in small claims court against this company so as to get this account removed. 
I just thought that I would bring to the attention of the CFPB the illegal action that was done to me by this credit bureau. Kindly see files attached with proof of re-aging that was done by Equifax on my credit report.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

I participated in the HSBC account opening rewards last year. ( Open a checking account, and then meet the direct deposit of {$500.00} for three consecutive months, and I can receive {$200.00} in account opening rewards within 8 weeks after completing the task ), I am the first I contacted HSBC 's online customer service this time, and he told me that I had successfully completed the task, but the bonus payment needed to wait. About 2 months or so, I contacted HSBC again. The customer service told me that the task was completed. The {$200.00} bonus will be issued on XX/XX/XXXX. Two days ago, I contacted the customer service again to confirm whether the bonus can be received on XX/XX/XXXX. The customer service answered me that I am not eligible to receive the bonus and I am not eligible for the event.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Employer : XXXX XXXX  Date Updated : XX/XX/2019 XXXX  XXXX  Date Updated : XX/XX/2019
Consumer complaint received 2021-11-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (TX)

When I buy my car back in XXXX the deal was, I have to put 2000 $ down payment for XXXX $ loan and dealer said this 2000 $ will be deducted from original loan but never happens and they never give me contract to make my own signature because they do everything on computer.after I paid 25 months correctly I got in very hard time and creditor initially sold the debit and after that take it back. Now when I speak with creditor they asks me to pay more XXXX $ to seatless my account and I dont want this because they already put a lot negative stuff on my credit report and I started to pay again. After 25 months XXXX $ from XXXX $ original loan + 2000 $ down payment they still reported on credit I have to pay more XXXX XXXX This is what I dont understand how is possible to pay this much for XXXX Honda Odyssey with XXXX miles on? When creditor finally sent me contact with that virtual signature i saw total payment XXXX $ that is insane. I was to talk with dealer and he rejected me saying is to late. Please can someone help me with this problem? Thank you so much
Consumer complaint received 2020-09-04
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. (CA)

XXXX XXXX is restarting the reporting clock on an account in my name unlawfully. XXXX XXXX canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against XXXX XXXX and to show that they are inaccurately reporting information to the three credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that XXXX XXXX has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

After review of my personal credit report, I see inaccurate information of accounts that were previously erased and than put back on my reports wrongfully and without my written consent.These issues are in violation to The Fair Credit Reporting Act, 15 USC Sec 1681 ( I ) ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( C ) ; and 15 usc 1681 section 602 A
Consumer complaint received 2021-11-11
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: Medical Data Systems, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus had not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$67.00} ; XXXX XXXX XXXX XXXX Balance {$67.00} ; XXXX XXXX XXXX XXXX Balance {$67.00} ; XXXX XXXX XXXX XXXX Balance {$65.00} ; XXXX XXXX XXXX XXXX Balance {$67.00} ; XXXX XXXX XXXX XXXX Balance {$61.00} ; XXXX XXXX XXXX XXXX Balance {$86.00} ;
Consumer complaint received 2020-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TransferWise Ltd (TX)

Transferwise.com deducted {$970.00} from my checking account on XXXX/XXXX/20 that I did not authorize. I have filed a claim with Bank XXXX XXXX but they can not provide documentation regarding how this transfer was done, who did it, where the money went, etc. I have also requested such information from XXXX and have yet to receive that information.
Consumer complaint received 2020-09-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I am very concerned regarding the serious possibility that you have not follow permissible purpose provision of the federal fcra. Hey credit account an inquiry was placed on my credit report. The ACT specifies that you must document the reason for requesting my report and when in error remove them as well. I'm depending upon portfolio recovery and XXXX XXXX to follow the statute : need to provide documentation that allow is followed by researching the matter at once or move this offending account and inquiry as soon as possible yours truly XXXX XXXX
Consumer complaint received 2022-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX is supposed to DELTE this debt from my credit report as it was settled and paid for deletion and they have failed to do so. The account numbers is XXXX and the original amount is for {$320.00}.
Consumer complaint received 2022-04-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I have been found fraud in Financial agreement with Credit acceptance. Stated By law under Truth in Lending Act, these violations must be compensated and due to fraud the contract automatically goes into default. I have sent out letters to Company CEO XXXX XXXX to resolve this matter asap.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.