davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX informed me tht ive had an account with them since 1999 i wonder how tht works bcuz i was only 14..so they have first hand knowledge im dealing with idenity theft and XXXX only knows wht else i made it clear tht they only have my permission on one addresse that i Give them permission to report bcuz the rest are not mine and are clearly from idenity theft or just are inaccurate and wrong i been dealing with this since i was a child.. i cant get them to delete completely false accounts and there information isnt accurate fair or have i give transunion hand written permission to put tht mess in my report its all from fraud lies and idenity theft ..Theres something really wrong with my information bcuz i cant even get phone numbers completly false info from these 3rd party collectors whos reports arent in compliance with Metro 2guidlines FCRA and yalls guidlines ,,, I need some help plz im sure there all about to just break every one of the guide lines yall have... i need your help getting these disclosures bcuz im homless over all this and the deformation of character in all this dishonest files and a XXXX of inquaries tht i cant access... thanks for your help
Consumer complaint received 2022-04-29
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. (IL)

Hi I am submitting this XXXX 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 719XXXX has me at a score around 590. 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 XXXX 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 XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-12-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NC)

On XX/XX/2023, I made an online purchase for an item from a company entitled XXXX XXXX. The XXXX carrier expected to deliver my package however, the item was either misdelivered or lost in transit because it was never received. I had to struggle with the consumer and XXXX to reimburse me for the lost package. The consumer displayed a lack of support during this claim process and XXXX constantly referred me to the seller per their policy. After this difficult ordeal for 2 months, I finally filed a XXXX complaint against XXXX and XXXX customer relations provide a goodwill payment in the amount of $ and advised me that the consumer should have filed the claim and handled the resolution with them directly. I have open a dispute in which Affirm denied and told me to resolve the matter with XXXX. I then submitted an appeal or re-evaluation indicating that since the consumer did not follow the correct procedures in terms of the refund, I should not be responsible for the loan. I also filed two XXXX complaints against Affirm for this loan that should have been closed.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (RI)

I opened a XXXX XXXX account in XXXX I know because I bought something for my truck and then it got repo and I have proof when it got repo and it's saying I opened it in XXXX there two other credit cards saying they opened in XXXX  and they were opened in XXXX instead of being close to get off my credit it's saying it's only 3 years old I dispute them and the creditors wrote a negative remarks under each report, and I keep calling them and I'm getting no response I don't to pay them if there the problem but I'm trying to buy a house for me and my kids so I need these issues solved to get off my credit report
Consumer complaint received 2023-12-24
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. (GA)

I sent my letter off on - .I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter i sent out and here is the Proof According to the FRCA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. And according to the FRCA 15 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List of Accounts : 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX ( Original Creditor:XXXX XXXX  XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX ( Original Creditor: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 ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ),
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

To Whom It May Concern : I am confused as to the entity claiming to own my loan. Please send me the last copy of the original Promissory Note in your possession and an accounting on my loan for the time you were the servicer. I have asked for this repeatedly previously, but it was not sent.

Thank you
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XX/XX/2020 a glitch occurred with XXXX XXXX online payments. I had got the fee removed due to the online portal not working the day i made a payment and automatically triggered a payment of lateness. i showed XXXX  XXXX i made the payment and they said it was an error on their end. They removed the late payment. This needs to be reflected on credit report.
Consumer complaint received 2023-12-24
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. (WI)

XXXX XXXX is reporting an account that was charged off. All charge-offs and third-party debts are considered Certificates of Indebtedness, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. I've previously opted out of reporting and they have not complied. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MD)

well my concern is about my credit report I ask the company XXXX XXXX Equifax send my credit report in internet free do n't work for me I thinking they discriminate me my problem was with XXXX XXXX XXXX they send me to collection in XX/XX/XXXX this happened has long time a go let me know you can help me thank
Consumer complaint received 2024-04-02
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. (SC)

XXXXXXXX XXXX XXXX  has three instances of late payments on my credit report. Despite making a payment in XX/XX/XXXX, it was reported as 30 days late in XXXX XXXX. Another payment made in XX/XX/XXXX was reported as 30 days late in XX/XX/XXXX, and a payment in XX/XX/XXXX was reported as late in XXXX XXXX. According to the law, creditors must report accurate information. I demand that the information be updated to reflect that the payments were made on time.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing this letter to you in good faith so that you can rectify an error on the payment report on account XXXX XXXX XXXX and account number XXXX, this account is 100 % paid on time and my credit report shows a late payment of 30 day what is an error, I demand that you rectify my account information because everything was paid on time and I sent you the payment confirmation letter for the month that was reported late and the month is XXXX, but I have proof of payment to time in XXXX and I am going to send them to you to verify and rectify that error that is in my credit report and is affecting my credit report and my credit score, I hope you fix the incorrect information as soon as possible.
Consumer complaint received 2024-02-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY (TX)

My name is XXXX XXXX In XXXX my husband and was leasing to own a home in XXXX  that the owner who was also a realtor asked for XXXX for the home. My husband and I had low credits score and we applied for a mortgage loan with well-fargo for the XXXX with an adjusted yearly interest rate at that time of purchase interest was 6 percent. The wells Fargo home loan officer we were working with told us that we had to also take out a two loans because our credit score was low so we had the 1st loan for XXXX that the realtor wanted for our home, plus we had to take 2nd loan for XXXX with a very terrible interest rate of 18 percent for our home that wells Fargo said we had to do. We were both young and excited to be purchasing a home as XXXX XXXX homeowners. We paid that extra mortgage of XXXX with XXXX interest rate for over XXXX. We sold the home in XXXX. I am reaching out to you because we believed we were treated unfairly and was racially profiled and judged because of our low credits score and race. I know there are more people that were manipulated and treated unfairly as well. Because of well Fargo negligence. We still have no idea why we had to purchase a 2nd mortgage of XXXX other than what wells fargo said. Which we believe was unjust please let me know if you can help us.
Consumer complaint received 2016-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Due to the Economical Real estate crash on years XX/XX/XXXX, my hard financial ship due to income reduction, XXXX problems due to a car accident on XX/XX/XXXX, family catastrophic death, which I am including a detailed ( LOE ). I did start a mortgage modification during year XX/XX/XXXX directly with Fannie Mae, local office which, I did not know better to properly prepare my file to avoid being denied for the modification. later on I paid to an Attorney office few XXXX dollars for professional advise and to prepare my documents properly to submit them to XXXX. at that time during the meddle of the process, XX/XX/XXXX XXXX sold or transfer my mortgage to Nationstar Mortgage. Therefore and among my frustation and desperation, I was force to pay to another Lending office for more professional advise and to properly prepare and submit the file again to Nationstar Mortgage for a modification by XX/XX/XXXX-XX/XX/XXXX. at this time I was already getting on dip financial trouble without my saving striving to keep upside down property values so I used all my retired savings to pay debts. as well as, desperate being back and forth submitting documents multiple times to lender for more than 3 years. Please review complaint XXXX. XXXX. it was to be disputed by the XXXX office i did pay for it. I have not understand yet their " Unfair Lending Practice '', eagerness, negligence, unprofessional, luck of proper communications, manipulation of the process as to create a second Escrow account to their benefit. instead, for them to provide an straight, proper customer or consumer solution without giving us night mares, frustrations, time consuming and jeopardizing Customers Excellent Credit History. such as, in my case reporting to credit agencies I was up to 5 months late on payments. Which, I was never more than 2 months late on end of year XX/XX/XXXX. I am submitting herewith my Bank Account 24 month history payments and their history where you clearly notice that payments where not properly handle by them and with the XXXX Escrow accounted They created. Finally they offered me what they call a modification to extend the loan to 40 years without reducing my current really high interest rate of 5.875 %. Reason for which I am submitting again a complaint. I am submitting herewith : current Mortgage loan statement, The attorney letter firm XXXX, My Hardship letter of explanation, XXXX research, my bank account showing 24 months history payment, Nationstar Mortgage partial history payment, Loan Modification package of documents I received, annual Escrow Account Disclosure statement, and their biyearly Escrow Account Disclosure Statement for your review. Please just let me know which other documents do you need in order to properly proceed. I do Really thank you in advance for your kindly, proper and prompt attention given for a solution to this file or complaint.
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc (PA)

PayPal Credit ( dba BillMeLater ) refuses to post refund from XXXX to my account in a timely manner, claiming it take XXXX weeks to process. They further refuse to provide on-line access so that I can check on the status without using their call centers. They are continuing to apply late fees and interest to an item that was refunded and close the account. I believe that this company is engaged in deceptive and fraudulent practices.
Consumer complaint received 2023-12-25
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XXXX  the Privacy Act of XXXX, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (GA)

First Progress Card is reporting inaccurate information to the consumer reporting agencies. After disputing the account multiple times they stated the information was accurate. They failed to reinvestigate the information and they are stating that the account meets the FCRA guidelines it does not it is not accurate information. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the date opened, last payment date, payment history, balance history, and payment history guide. This information is causing me financial loss, credit score damage, and XXXX XXXX
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

I have reached out to Equifax several times between XXXX and now. I can access my credit report directly from their website, but I can't pull it using any of the third party sites. There is no freeze on my report. When I call, no seems to know what the issue is. I am in the process of preparing for homeownership and the inability to pull this file is causing an insurmountable amount of time and stress. I need someone to fix this!
Consumer complaint received 2023-12-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (GA)

I recently opened up an account on Robinhood. I verified all information to have my accounts approved. Once my spending account was approved I added some money not to much around XXXX. I try to use my card they provided me with and I get a notification telling me my account is restricted and I can't use any of my money. I reach out to customer service to try and solve this problem and they tell me it's nothing they can do and I'll just have to wait. I tried contacting someone higher up in the company but nobody seems able to give me an answer about my account and money. Then they restricted my ability to text there chat support