davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by XXXX XXXX XXXX XXXX in the amount of {$370.00}. Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to take care of the debt owed. I have finally found employment ( $ XXXX at a XXXX ) and have been able to save. I am writing to ask if you would be willing to accept {$370.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please either e-mail or mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$370.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC. (TN)

On XX/XX/2018 a case with the CFPB was opened due to inaccurate information being reported to all three credit agencies ( please reference CFPB case numberXXXX ). Sun Loan is now once again reporting that this closed/transferred paid in full account as being 4 months past due. I have already spoken to an attorney about this account and provide her with all documentation and credit reports showing the history and inaccuracies as it relates to this account. She suggested I try one more last attempt before sending a formal demand letter to your corporate office and proceed with legal action to correct the problem.
Consumer complaint received 2023-01-12
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. (CA)

XXXX and Equifax Both agencies are reporting a medical debt for {$900.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This bill was paid by XXXXXXXX XXXX  and XXXX XXXX tried to balance bill the contracted portion she is supposed to write off as a XXXX. I contacted the XXXX XXXX office and they corrected the billing mistake. They correctly adjusted the bill and removed the {$900.00} charge. I submitted the attached email I received from the XXXX  office and I requested XXXX and Equifax remove the false information being reported by XXXX XXXX XXXX. They did not remove the collection account and did not post the updated information I provided from the original creditor showing the bill was adjusted and the {$900.00} charge was removed. Both XXXX and Equifax keep reporting this false information and I have disputed this twice and called several times. This collection agency reporting needs to be completely deleted from my credit file.
Consumer complaint received 2022-08-04
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

AtXXXX XXXX  Wednesday XXXX XXXX texting with ( XXXX ) XXXX ( sms/mms ). 
Yesterday I got a text message on my phone ( XXXX XXXX saying that I sent a payment to XXXX XXXX from PayPal Amount:XXXX XXXX reference ID : XXXX if not me? XXXX to dispute. 
So I called, some XXXX  answered and the put over to his supervisor XXXX XXXX another XXXX  voice. He told me they would have to go to my PayPal account, but I have a hard time with computers and phones so he directed me to my XXXX XXXX account. He told me to touch them clock symbol so I did then to touch home symbol then the add cash then go to my profile then to my debit card. Then I xed out of that page and went to then touch the XXXX dots I did then punch in XXXX and hit add cash and to confirm it. I did this a number of times with different amounts XXXX. All those amounts failed except XXXX this money went to some person called XXXX XXXX. So that person has XXXX of my money. $ XXXX. Then I said wait a minute you just took my money, he kept saying that I would get it back. Now he tells me to go to XXXX, XXXX or anywhere that I could get a XXXX gift card from XXXX or XXXX, or XXXX. He said to purchase it and give him the numbers. I didn't do it cause I don't have that kind of money and don't want to lose another XXXX. I'm on XXXX retirement He said I would get it all back. I was thinking XXXX no. He kept saying it was for security reasons. 
Is all of this sounding liget to you. It doesn't to me. Please get my XXXX ASAP. This person sent me a E mail saying he works at Consumer Financial Protection Bereau.Said he's liget I still don't believe it. As nd gave me a ref : XXXX reason has been given due to Identity theft as per PayPal XXXX. Signed XXXX XXXX Consumer Financial Protection Bereau. If this is legit please let me know. Cause doesn't sound like it to me. Thank you, XXXX XXXX XXXX E mail is XXXX XXXX
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo issued a secure card in XXXX and took {$1000.00} deposit - After good management they made the acct unsecure and issued refund of the {$1000.00} ( see attached noted ) stating refund would be deposited into CHECKING ACCT " within 30 days '' - it never happened- the next month an unquiry was made and I was told it was send as a check. 
- 6 weeks later after an inquiry... they cancelled the check ( lost? ) - they gain claimed they issued " another direct deposit into my checking '' ( no record of pending deposits whatsoever for ANY deposits were found ) ) - stated 3 weeks later " That deposit was rejected stating " acct 'closed ' " ( it never was I use it every day ) XXXX checking wells fargo - They said a new check was issued but cant confirm it - They again claim the check was cancelled. Some say it was never issued Some say " its on the way '' - after 6 weeks, no check came - Now I have to hire a notary and 2 witnesses to say i never got the ( cancelled ) check - some say they tried direct deposit, some say no, i need to go through a lengthy investigation - case # XXXX was third inquiry with not resolve whatsoever - Every inquiry ends with a completely different explanation... there has been no clear status for months last call XX/XX/XXXX XXXX Department advocacy `` an affidavit must be filed to cancel the check '' " any other way i can get my money? '' " no '' she transferred me to mortgage department call before that was complete opposite facts call before that was complete opposite facts its been about 6 months with no resolve after 3 cases and no callback my accts have all been pristine with no overdrafts, late payments or problems whatsoever im bedridden with XXXX XXXX  XXXX XXXX and can not hire care without my money this issue has now become medically urgent i cant cancell accts or go to bank .... im completely XXXX and home alone
Consumer complaint received 2021-11-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Olympic Collection Inc. (WA)

Hello, I received notice today that I am being sued for a dental bill for my son for {$180.00}. The collection company did not take all the necessary action to bring this bill to my attention. They did not call me multiple times, did not leave voicemail, did not text me and did not email me. My husband wasnt contacted either. They state they called and sent out a statement, but I have no notice of this and can with 100 % truth tell you I never received multiple attempts from this company at all. I have paid the bill in full, which after fees was {$440.00}. I want all record of this removed from everything. What they did was not right. You can not say you whispered to someone then sue them for not hearing. This isnt even on my credit report that I check weekly. They did not try to bring this to mine or my husbands attention before they decided to sue. My paper shows its was filed on XX/XX/XXXX at my court and today it was received on XX/XX/2021.
Consumer complaint received 2021-11-14
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-11-13
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: WELLS FARGO & COMPANY (DE)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : WFDS Date of inquiry XX/XX/2021
Consumer complaint received 2019-12-08
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. (NJ)

To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY XXXX XXXX XXXX! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! XXXX  XXXX XXXX IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

XXXX XXXX XXXX RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED XXXX  XXXX XXXX OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY XXXX XXXX XXXX ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my XXXX  XXXX XXXX Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2021-11-13
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, 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 : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-11-10
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. (KY)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX, I paid them regularly until XX/XX/XXXX when the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl, both my insurance company, and the XXXX XXXX XXXX in GA told XXXX to report it as a total loss. This company XXXX XXXX has not reported to the credit bureaus correctly, there are no payments showing that I made, and it also states that in XXXX years of owing this car I only made XXXX dollars ' worth of payments. This company XXXX XXXX has been involved in several lawsuits including XXXX where they owe over XXXX XXXX dollars. I joined the lawsuit but because I don't reside in that state, I wasn't allotted any funds, but in the lawsuit, it states that the vehicles under XXXX XXXX  are to be deleted from all three credit bureaus, which has not been done yet. As of now the DOJ is serving XXXX XXXX with a subpoena. I can't count how many times that I have disputed them with all three credit bureaus under the Fair Credit Report Act, they don't answer by mail, and when you call them, they are the rudest inconsiderate customer service ever!!! I have even written to my Attorney General located in Kentucky
Consumer complaint received 2021-11-13
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. (AZ)

I have contacted XXXX XXXX numerous times about incorrect information on my credit report that their company is responsible for reporting. XXXX XXXX IS REPORTING FALSE AND inaccurate information to the credit bureaus. XXXX XXXX is in violation of the Fair credit reporting act.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MD)

A collection agency, NTL Recovery Agency has reported to all three credit agencies that I owe {$54.00} to XXXX XXXX XXXX and my score has been impacted. I currently have been with XXXX for 17 years at my current home that I own and checked with them and do not have a outstanding balance with them. My attempts to contact this company have been frutail as they have prompts to pay the debt and no one will talk to me. I have never received any letters, phone calls or any communication from this company. I think this is a fraudulent attempt to get money from people and this is wrong. How can the place a collection on your account that does not belong to you and you have never been notified? I want this removed from my credit report and for them to compensate me for the stress and damage this has done as I am in the process of getting a new credit card with a lower interest rate and this has impacted me. The company is NTL Recovery AgencyXXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX, phone number XXXX. Please Help.. 

Thank You, XXXX XXXX, XXXX
Consumer complaint received 2021-04-20
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: Westlake Services, LLC (TN)

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. This is a violation of the FCRA section 602 ( a ) & FDCPA section 809.
Consumer complaint received 2019-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (WA)

THE MORTGAGE WAS WITH XXXX XXXX XXXX, THE XXXX, THEN GREEN TREE, THEN DITECH FINANCIAL ( DITECH IS NOT RESPONDING ). 
DITECH IS THE LAST LENDER WE HAVE HERD FROM AND THAT HAS BEEN. 

THEIR WEBSITE DON'T WORK, THEY DON'T ANSWER THE PHONE. 
WE HAVE TRIED TO REACH OUT THE FC ATTORNEY WITH NO RESPONSE YET. 
COMMUNICATION HAS BEEN LACKING, AND WE HAVE FUNDS TO MAKE OUR MTG CURRENT. I WANT TO MAKE MY MTG CURRENT, BUT HOME NO ONE TO TALK TO. 

IT HAS BEEN 3+ MONTHS SINCE WE HAVE HERD FROM ANY ONE.
Consumer complaint received 2022-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2022, I was looking at my Chase app on my phone and noticed that the purchases XXXX was different from the last time I checked. That rate had increased unexpectedly, and I know that that rate was also higher than what I had previously known. I looked through all of my emails from Chase and failed to find any kind of notice that my interest rate was changing. 

On XX/XX/2022, I reached out to Chase customer support to ask why the rate had increased without the XXXX advance notice and was told they could not explain why I never received it. They ensured that I was properly set up to receive all notices from Chase and they were unsure why I had not for this particular instance. 

I was transferred to a supervisor because I was asking to understand why this happened and if there was anything they could do to remedy the situation. The supervisor then went on to explain that the XXXX is variable and tied to the prime rate, which according to them " changes daily, '' meaning Chase would never be able to give a XXXX advance notice, nor do they need to, and there was nothing they could do about it. When I asked the supervisor to expand on that, letting them know that I understood that the prime rate only changes if the Fed decides to when they meet every XXXX, they rephrased their statement from changing daily to changing from time-to-time. 

I explained to the supervisor that I had a good understanding of how rates work and that it is my right to receive a XXXX advance notice of any interest rate changes. I told them that I was not interested in being told misinformation and that I understand banks do whatever they can to make more money, but that Chase should have the digital infrastructure to keep up with these notices that they are required to issue. The supervisor was unhelpful and uncooperative with the situation ; all I was asking for was to understand why I didn't receive the notice I have a right to, and what can be done to remedy the situation. 

For reference, my interest rate at some point in 2022 was 23.99 % and has since been increased to 25.99 % and subsequently to 26.74 %. I utilize multiple Chase products and it seems like they will do anything to treat their customers unfairly and take advantage of the fact that people XXXX not notice these things and know that nothing will done to make this right.
Consumer complaint received 2019-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARTER-JONES COLLECTION SERVICE, INC (OR)

i recieved a letter from Carter-Jones Collection approx. XX/XX/2022, for an alleged debts in the amount of {$190.00} and & {$1600.00}. I sent debt validation letters via Priority mail on XX/XX/2022. on XX/XX/2022 I received a letter from them restating the debt, the amount, original creditor 's address, a page with XXXX XXXX XXXX XXXX letter head with SOMEONE ELSES NAME, BUT NOT the information I requested. They did not send a signed contract or any verifiable information stating that I am responsible for this person 's alleged debt. I have never signed anything stating that I am responsible for this person 's alleged debt.
Consumer complaint received 2022-11-10
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. (PA)

XXXX : most recent certified letter of several is XX/XX/2022, and XX/XX/2022. 
They failed repeatedly to respond within 30 days. This means by law what I contest must be removed. 

All my life I have lived at XXXX XXXX XXXX, XXXX, PA XXXX All my life my phone number has been XXXX I've never worked at XXXX XXXX. Look it up. It's not a real company. 
NONE OF THE DEBT MATCHES XXXX, PA or MY PHONE NUMBER or MY EMAIL. 
Yet they repeatedly fail to update my information and insist I am someone in California delinquent on debt. I HAVE NEVER LIVED IN CALIFORNIA. I am the victim of identity theft. 

The follow 7 FALSE ACCOUNTS/ debt are not mine XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX  Yet they don't respond in 30 days, which is illegal, tell me they " verified '' the information, which is also not true, as I opted out every known data base they use. Or they pretend they can't understand what I wrote them. WHAT PART OF THIS IS NOT MY DEBT, I AM NOT THAT PERSON IN CALIFORNIA, AND BY LAW YOU MUST RESPOND IN 30 DAYS ARE THEY NOT UNDERSTANDING?