davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XX/XX/2019 ( COVID19 ) pandemic during the covered period.In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX 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 states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was a victim of identity theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. I have already field an FTC report. 

The inquiries are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX will not update my Experian credit report to show my balance as XXXX. My student loans were transferred to XXXX in XX/XX/2023. I no longer have a balance or open account with XXXX. 

Total Balance showing is {$150000.00}
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

Hello, I have been a loyal American Express card customer for more than 20 years, and I have been accumulating membership reward points for many years now. So far I have around XXXX points in my account. I planned my trip with the points in mind to book my return flights. When I was ready to redeem the points to book the last leg of my flights, I got the message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. Why????? 

It has been 3 weeks, I am still getting the same message. I called the Membership Reward program 4 times, and the 3rd representative helped me file a complaint, saying they will get back to me in 7-10 days by phone or email. Its been 2 weeks since, and nobody has called or emailed. 
Our trip plan is on hold and we are at risk of losing my already-booked tickets and reservations because American Express is holding my points without providing any information or explanation. 

If we can not use the reward points why did you make them look available? We do use the points to plan trips, not just to look at them. And why are you holding all of my points? I only want to transfer some of the points that I accumulated a long time ago. Why cant I use them? Please explain! 

XXXX XXXX
Consumer complaint received 2023-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc (TX)

I am the victim of identity theft. A thief fraudulently using my personal information received a loan through Affirm/XXXX. I DID NOT make the request. I DID NOT authorize any person to, nor did I receive any goods or services. 

I have disputed this since I discovered it in XXXX and it remains disputed. 

This loan was acquired fraudulently with Identity Theft. 

I have filed a police report, frozen my credit, reported to the credit bureaus and to the company and continue to dispute this as fraud.
Consumer complaint received 2023-02-18
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. (LA)

This is my follow-up request that I have been a victim of identity theft because no one seems to care that I want to dispute specific records in my credit file that do not belong to me, the items I am disputing have nothing to do with my transactions whatsoever. 

Please block these items : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2023-11-04
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: EQUIFAX, INC. (NJ)

First things first, my father and I share the same name. We also shared an address and he co-signed one of my car loans. My father also passed away in XXXX. Upon paying off my car loan a few months ago, I wanted to check my credit reports to make sure the information was accurate. I had no issue with XXXX. Unfortunately that wasn't the case with XXXX and Equifax. My file was mixed and I was reported as deceased with both agencies. Both XXXX and Equifax asked me to submit documents ( Driver License and Social Security Card ) to prove my identity, which I did. I sent the documents certified, return receipt. Upon receiving confirmation that my documents were received, I reached out to both credit bureaus to find out if my issue was resolved. It took me about a week of hour long phone calls with XXXX before I finally reached a stateside supervisor who was able to fix my issue and lift the deceased notice off of my report. Now my remaining issue is with Equifax. They keep insisting that my credit report has been corrected, but I keep asking for proof and they keep stating that they have to escalate the matter. As of XXXX, XX/XX/XXXX, my credit report issue with Equifax is NOT resolved. I tried to adjust my a credit card interest rate with XXXX XXXX earlier and they stated that there is an issue with my Equifax report and they are unable to pull it to make a determination. I tried logging into XXXX  to view my credit report and went to make a dispute, but I received an error message asking me to contact Equifax, so obviously my issue is not yet resolved. I am legit exhausted from all of the back and forth and just need some assistance to get this resolved once and or all. Thank you!
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc. (TX)

Giftcards.com appeared to misrepresent dates transactions occurred. For example, I made a purchase using square.com that was immediately refunded. Giftcards.com appeared to delete original transaction information ( XXXX purchase was refunded almost immediately ( refund occurred, and initially visible on giftcards.com transactions for the card ) then a day later " disappeared '' and did not reappear until almost XXXX weeks later ). The {$250.00} ( full amount of gift card ) remains unusable as of date of purchase on XX/XX/23. This duration falls outside of their cardholder agreement and has caused a number of late payments. 

Giftcards.com does not appear to have a working customer service line and either never connects to a representative, or alternatively, someone hangs up immediately upon connection to an agent. 

Giftcards.com has blocked my email address from submitting of help requests to the email available on their website.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (GA)

My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as XXXX  insurance that Carmax finance provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment XXXX years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

FOR XXXX MONTHS WELLS FARGO TOOK OUR PAYMENTS AND NEVER APPLIED THEM TO OUR ACCOUNT. I CAME HOME FROM WORK ONE DAY TO SEE WE WERE SERVED BY A MARSHALL WITH FORECLOSURE PAPERWORK. MY HUSBAND AND I WENT THROUGH MONTHS OR FRUSTRATION, ANGER, SICK TO OUR STOMACHS BEING TREATED SO POORLY BY WELLS FARGO. THEY DENIED EVERYTHING EVEN AFTER WE SHOWED THEM OUR BANK STATEMENTS THAT THEY TOOK OUR MONEY EVERY MONTH. WE MISSED WORK. WE GOT AN ATTORNEY. I SAW THE ARTICLE ON XXXX ABOUT " WELLS GARGO MIGHT OWE YOU MONEY '' THEY SURE DO AND I HAVE PAPERWORK FROM COURT AND EMAILS TO PROVE IT. WELLS FARGO RUINED OUR CREDIT.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FactorTrust, Inc. (NY)

I am a victim of identity theft. Several years ago my office was broken into and my identity documents were stolen, resulting in identity theft. I filed a police report and have attached the report to this complaint.

I ordered a copy of my credit report with Factor Trust and found a lot of things that are due to the identity theft that need to be removed. I am disputing all the information below : Addresses : XX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX   {$5700.00} XX/XX/XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX  {$2200.00} XX/XX/XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX   XXXX  {$3500.00} XX/XX/XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$4800.00} XXXX  I have never done business with any of the companies listed below. Any reporting that I have is due to identity theft.

Loan by XXXX XXXXXXXX XXXX   into XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  TX XXXX I have disputed all of the information that was incorrect in my XXXX  report and XXXX has removed it. My XXXX  profile needs to be updated in your system as it is all wrong.
Consumer complaint received 2023-11-05
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: MOHELA (PA)

I qualified for the XXXX  discharge of my federal student loan which means I am not obligated to pay my student because I am a XXXXXXXX XXXX XXXX yet my credit score report that I still owe that student loan
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

Two XXXX XXXX credit cards were opened in my name. Both cards were maxed out and left unpaid now showing as collections on my credit report. I've already filed a dispute on these charges with both the originating company as well as the credit reporting company. The originating company was not helpful and claimed because I couldn't show proof they weren't opened by me ( how do you even do this ) that they would remain under my name.
Consumer complaint received 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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: EQUIFAX, INC. (UT)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XXXX, XXXX  every other week for the month of XXXXXXXX XXXX  thru XXXXXXXX XXXX, I was told Ten different answers regarding applying the {$1500.00} to my ESCROW account ; I was told several different answers each time I called, from it wasn't applied, I was short for my house payment, I sent the check to the wrong department, yes we have your house payment on automatic withdrawal from my Credit union account. We sent my Home Insurance Policy in ( 6 ) times, XXXX XXXX ( my insurance carrier ) sent the policy to you all four ( 4 ) times and we were told over and over again you all did not receive the policy. Three agent tried to really assist me and told me they would make the proper adjustment. Until Thursday, XX/XX/XXXX a young lady gave me a detailed explanation on my account. One young man was Intentionally RUDE. 

In addition, I'm on automatic withdrawal from my Bank account the XXXX of every month, however, you're not applying the funds until the XXXX of the month and charging me a late fee ; when it was your company that stated it's not late until after the XXXX of the month. So why am I being charged a late fee? 

Please be advised that my Insurance ( homeowners ) is on automatic withdrawal from my financial institution. I've told you all this since XXXX, XXXX 

Please leave my ESCROW and pay my taxes ; I will PAY MY HOMEOWNERS INSURANCE. The mental anguish I've gone thru for the last three months is CRAZY. I am a valued customer.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I have already field an FTC report. 

The inquiries are : XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  and XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX and XXXX & XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX  and XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX and XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion
Consumer complaint received 2018-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FBC MORTGAGE, LLC (FL)

In XX/XX/XXXX Hurricane Irma came through Florida. We had a 30ft tall oak tree fall on our house. It was XXXX to have it removed. Insurance wouldn't cover it. We did a 90 Day mortgage forbearance with FBC Mortgage so we could pay to have the tree removed. In XX/XX/XXXX, I called several times and spent hours on hold only to be told someone from the loss mitigation would call me back. It was XX/XX/XXXX before I could get a hold of someone who would actually talk to me. We talked about options for that 3 months of payments and started the Loan Modification process. I received a Letter from FBC stating that they had received my information and it was sent to the underwriters and I would have a decision 30 days from XX/XX/XXXX. It is now XX/XX/XXXX. I call them every week to find out what's going on. All I ever get is it is still with the underwriters and that's all they can tell me. We are way past the 30 day mark, by months. In XX/XX/XXXX they made me resubmit all of my paperwork because the batch I sent over in XX/XX/XXXX had expired. I resumed my normal payments every month, by having to call them because they suspended my online and automated payments. But in the time they have been stalling, they have been reporting me late to the credit bureaus and charging me late fees on the 3 months that is supposed to be modified back into the loan that they were supposed to complete months ago. If they had completed it, there would be no late anything. I am being penalized because they are stalling and I don't know why. I did everything they asked and followed all of their rules. No one will tell me what ; s going on. They are ruining my credit and I don't know if they are going to take away my house. I can't find anyone from FBC to help or give me actual answers. I don't know what to do. I need someone to help me. All I can get from them is that my account is in underwriting where it has been since XX/XX/XXXX and that there is no one there I can be transferred to that can help me. They give me the run around every time and avoid giving me any information. Making payments is hit or miss. Some of the people who answer will take a payment and others tell me to wait until the modification is complete. I just keep calling back until someone takes a payment but I shouldn't have to do that. I shouldn't be treated this way. I have attached the documents I have received. After the letter in XX/XX/XXXX I have received no further paperwork regarding the modification, only many many upset phone calls I have made.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently maintained punctual payments on this account, never allowing them to lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX