davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2018-03-21
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: WELLS FARGO & COMPANY (CA)

Wells Fargo ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill.

I NEVER SIGNED UP FOR ELECTRONIC STATEMENTS, I NEVER KNEW I HAD ELECTRONIC STATEMENT, I NEVER AGREED TO ELECTRONIC STATEMENTS. I DID NOT RECEIVE ANY EMAIL REGARDING ELECTRONIC STATEMENTS.

The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX XXXX XXXX ). After a while, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

I DISAGREE WITH WELLS FARGO 's RESULTS. I REQUEST A REINVESTIGATION OF THIS DISPUTE. WELLS FARGO NEEDS TO ADDRESS EACH CONCERN IN DETAIL AND PROVIDE PROOF THAT THEIR RESULTS ARE ACCURATE. WELLS FARGO HAS NOT PROVIDED WITH PROOF THAT I SIGNED UP FOR ELECTRONIC BILLING STATEMENTS. ( I NEVER SIGNED UP ) WELLS FARGO NEEDS TO PROVIDE PROOF OF DELIVERY OF THE PAPER BILLING STATEMENTS.

If you find the disputed information referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: OneMain Finance Corporation (TN)

in accordance with the fair credit reporting act XXXX Account 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 credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-02
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. (GA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

In response to previous CFPB complaint XXXX, Paypal refused to provided the basic relief requested unless I contacted the executive escalation office. A representative called twice the day the response was sent to CFPB. The first time no message was left. The 2nd the caller stated in voicemail that Paypal would follow up in writing. Paypal never provided me their response. In initially reviewing the response on the CFPB sie, the email address they required me to contact them through was cut off. I did not realize that a pdf of the entire response ( which, again, was never sent to me ) was attached. Upon locating the email address I have attempted multiple times to contact Paypal as they directed. They have not responded. It appears their previous response was not made in good faith and they do not seem to have any intention of doing what they should have to begin with. Multiple attempts to call back the number used by the executive escalation office funnels to the main " customer service '' center. Not that they provide any service And representatives there repeatedly and hostilely claim to be unable to put me in contact in any way with the executive office. Similar responses were received attempting to use social media to get the communication promised.
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (SC)

I received a copy of my credit report on XX/XX/XXXX, where I seen a collection agency listed from XX/XX/XXXX by the name of Cavalry Portfolio Services. I was NEVER contacted, nor given any information in regards to this company. I have absolutely no knowledge of this company and have NEVER been notified by this company. On XX/XX/XXXX I sent a debt validation request, not verification as I have the right to request the contract and proper validation of this debt " claiming '' to be belonging to me and the contract and the amount owed under the FDCPA. On the date of receipt by tracking, that Cavalry received my letter, they reported a {$1.00} decrease in the amount total owed. At first it states {$480.00} now it states {$470.00} on my credit report. I waited for Cavalry to respond and send me proper validation that constitute and aligns with the my rights as a consumer, of which I never received. Also the proof of the license and ability to collect in my state. On XX/XX/XXXX I received a letter from this company dated XX/XX/XXXX, stating they were notating my account as " disputed '' and would write me within 150 days with validation, NOT the proper 30 days that is required by thus set laws. Still did not contain any validation of this debt belonging to myself and the contractual agreement between myself and this company. On XX/XX/XXXX I received a second letter from Cavalry, stating they bought my debt from a company with the same name, and this was my notification of them owning a debt of which I never had a contract with or was ever validated. Stating I have 30 days to respond with a request for validation or else they will assume the debt is mines. " Assuming '' is not legally binding, and they are completely ignoring my request for validation upon initial letter sent to them, in and effort to buy time. This is not correct nor proper, I have already requested debt validation from this company, of which I have yet to receive. Instead I have received the run around. On top of that, placing false information on their forms in an attempt to collect, because they did not properly validate nor notify me of any debt that is claimed to be belonging to myself and then, so in a desperate attempt, they state they sold it to a sub division within their company. The company has the same name, same number, same account number, and is reported to the Credit Bureaus as the same company. They lowered the amount by {$1.00} to falsely make it seem as though, they sold it to cover up the fact, they never notified me, they never presented proper validation, and they have in fact listed erroneous information on my credit report without following the right and proper level guidelines to do so. I feel violated, and yet I STILL have not received VALIDATION of this debt nor a contract, between myself and this company, after I have made the request by mail, have copies, and a certification receipt that they in fact received it.
Consumer complaint received 2019-03-01
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. (GA)

Hello I have a car loan with XXXX XXXX, a Credit Card with XXXX XXXX and two student loans one with XXXX and one with XXXX. 

I paid all these accounts back current around XX/XX/2019 and by now I should see my score increase and these accounts no longer showing late. After numerous calls, I can't get Equifax to budge and update these accounts which is holding me back from having a score needed to proceed with important financing. 

Both XXXX and XXXX are showing me current but Equifax refuses to update my credit report reflecting I am now current on those accounts. Equifax still shows me delinquent on all three. My score increased by 72 points with XXXX, 64 points with XXXX and my score is still low and has not changed at Equifax. This is how I know they are not updating my accounts. All creditors have advised me they have accurately updated and sent my new payment history showing current to all three credit bureaus including Equifax. I'm not sure if they are behind or what it is but I need them to update my accounts accordingly or I'm suing them for inaccurate reporting and causing me a delay in financing. Please contact them and make them do the right thing. This is very unfair! My email address is XXXX XXXX
Consumer complaint received 2015-09-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Account Resolution Services ( ARS ), used communication tactics in the beginning by blocking my number, blocking me from online access to a debt that I tried to research, when asked of them to verify my debt. Also they tried to get me to identify myself over the phone without giving me the opportunity of verifying their company. I wrote them a DEBT VALIDATION LETTER, and they did not validate my debt through the original debtor and mailing me that information so they violated Section 809 Validation of Debts [ 15 USC 1692g ] Chain letter by dates are attached with mailed signed receipts.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MO)

I was a victim of identity theft. I have submitted my Identity theft report as well as letters for debt validation. I have disputed the debt with each 3 credit bureau and they keep saying its verified but cant show how or when it was verified or the method of verification. There are no coorespondence proof with me to be shown Nor it there any proof of me owning this debt. The compant name is COMENITY CHILDRENS PLACE REWARDS. I want it removed from each credit bureau immediately please.
Consumer complaint received 2018-03-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (OR)

I took out a loan with Big Picture Loan on XX/XX/17 for {$470.00}. The interest rate is 544 % which is way over Oregon 's legal limit. I have already paid {$650.00} on this loan. When I checked my account details it says I still owe {$450.00}. I was not aware that almost all the money I have paid so far has only gone to interest on the loan. I have already paid what I borrowed, plus more in interest. I will never be able to pay off this loan at this rate.
Consumer complaint received 2018-03-21
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: EQUIFAX, INC. (TX)

Equifax has been notified by me that I had several accounts that on my file fraud. This dispute has been going on for over months.I supplied affadavits and police report that support the claim. The same accounts was on XXXX and XXXX.Same companies.These disputes been resolvd before 30 days ... .. When I call Equifax and request a supervisor.Everyone in Consumer Affairs a Supervisor.There no access to higher management.I don't have a direct number to Office of Consumer affairs, Not sure why the have my file instead of the fraud department.This bureau removed my XXXX XXXXXXXX account on there own.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (PA)

{$28.00} on XX/XX/22 {$3.00} XX/XX/22 Contacted the bank almost 24 times since these erroneous charge was made as interest. They back dated a payment of {$1500.00} as declined after 3-5 months to charge me interest. Contacted my XXXX bank to see why it declined after 3-5 months and was told this decision was not made by anyone at XXXX or anyone associated with XXXX and it was Apple Card that decided to back date and decline the payment to charge these interest on two different occasions in the same months. I contacted Apple countless times with out right refusal to review or assist in these fraudulent interest charges.
Consumer complaint received 2019-03-01
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. (NY)

My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

My home was purchased with 11 % down payment in XX/XX/XXXX. In XX/XX/XXXX, I tried to have the PMI removed as my home value had risen significantly, first due to some improvements and updates I made to it and secondly due to the general rise in home prices. Because I had refinanced ( XXXX XXXX  was Investor ) in XX/XX/XXXX, the servicer said that I still had to wait for the loan to be seasoned for 24 months even though I sent a check for the re-valuation of the property. 

Early XXXXXXXX the servicing company changed from XXXXXXXX XXXX to Freedom Mortgage. I waited until after 24 months had passed and in XX/XX/XXXX, I contacted the new servicer to have the PMI removed as by now my property LTV was about 66 % by conservative estimates. 

The servicer, Freedom Mortgage told me in written and on a call that the PMI could only be removed if I paid down the mortgage per the directive of the loan Investor. I informed them that I chose that particular loan because I knew for a fact that it was a loan that I could remove the PMI after the threshold was met. I asked the representatives from Freedom Mortgage if they could give me or show me the process for removing the PMI, and they said I should send about {$29000.00} to them to pay down the mortgage, that it was the only way to remove the PMI. I told them that was not true and that I was going to file a complaint with the CFPB as well as formally appeal their decision, which had no valid basis. I further told them that I hoped my complaint at a minimum will help regulators to force loan services to publish information on criteria and steps to be taken by borrowers who want to remove the PMI from their loans.
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

I recently refinanced my home and closed on Thursday XXXX XXXX. I was supposed to receive fund disbursements following the closing and I've yet receive any funds. I have spoken to XXXX, XXXX XXXX XXXX  and Rocket Mortgage as they are the parties involved. I have attempted several calls with messages and sent emails to XXXX 's dispersement representative XXXX XXXX and He has not responded to my concerns. It is approaching 2 weeks and I have a mortgage due with the prior mortgage holder that has not been satisfied and paid from XXXX. I need a resolution ASAP as XXXX, XXXX XXXX  XXXX and Rocket Mortgage appears NOT to be concerned. Please help with getting a complete resolution regarding this matter..Thanks!
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AL)

I visited the XXXX XXXX XXXX website over a month ago to get an interest statement. I also learned that my payment amount was increasing. While on the website I went to the manage repayment section to see about getting assistance or learn why the amount had increased. I contacted the office and they explained that due to a program I was on it has now expired that my payment increased. Not sure what program that was, they would never say. I asked how to lower the payment back down and they stated they would research. I received an email that my case was still under research a month later. I still have not heard back from the servicer regarding my request. Because I had not heard back regarding the amount, I checked my account to see what was charged and I noticed that XXXX payment had not cleared my account ( this payment is on auto debit and has been for years ). Today I check my account and learned that the servicer has debited my account {$480.00} without any notice to me of doing so causing my account to be overdrawn. I still have yet to hear from them regarding the payment amount increase. I tried calling their office today but learned that they are temporally closed through the automated system. I consider this transaction to be unfair. Im trying to get assistance to lower and not only am I double charged for their error, I have a much higher amount. If they were going to debit my account in that amount I should have been made aware of the charges. I dont have that amount of money to pay at one time for a loan that doesnt even pay down the principal!!! I want one of the payments refunded. I agreed for the monthly amount to debit on a certain date. It was their error for it not to debit. I also would like to know where that status of my request for lowering the payment stands.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.