davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ) XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX Account Number : XXXX XXXX ) Chapter XXXX Bankruptcy Case Number : XXXX XXXX ) Chapter XXXX Bankruptcy Case Number : XXXX XXXX ) Chapter XXXX Bankruptcy Case Number : XXXX XXXX ) XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX Card Account # XXXX XXXX ) XXXX XXXX  account # XXXX XXXX ) XXXX XXXX  acct # XXXX XXXX ) XXXX XXXX XXXXXXXX partial account # XXXX XXXX XXXX XXXX XXXX XXXX  Holding partial account # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ) ( section 604A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor nay not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (ID)

For the last 36 months I have tried to modify an existing loan with Select Portfolio Servicing, Inc, XXXX XXXX XXXX, UT. Exorbitant costs associated with owning the property and the hit by Covid 19 contributed to the request for loan 'modification. ' A hardship letter was sent many times to SPS. The company has consistently applied deceptive financial practices, promising a " modification '' and actually stating many times in writing that a " completed mortgage assistance program '' was approved and in existence ( last date was XX/XX/XXXX ). Yet a short time later, the company requests more documents be sent to complete the process. A deadline for additional needed documents was given ( this same information had been submitted and received by the company countless times before ). In this case, a copy of a social security card was requested by XX/XX/XXXX. Said social security card copy was " faxed '' and received by the company on XX/XX/XXXX ( documented in fax receipt ). A loss/mitigation specialist was employed by us, by the name of XXXX XXXX XXXX XXXX This advocate had been working this case since XXXX ( while I, the actual loan borrower, had asked for a modification from SPS the year ( XXXX ) prior to that ). In both cases, SPS dragged on and on requesting the same exact information over and over again ( which prompted me to hire an advocate in the first place ). XXXX XXXX XXXX also faxed a copy of the final requested social security card document XX/XX/XXXX. By XX/XX/XXXX SPS provided no resolution to either of us and sent a letter stating that since 30 days had lapsed with no activity, it was withdrawing the mortgage assistance program but to feel free to apply for a " modification. '' What did SPS think we were doing all this time? The loan under SPS does not fall under the usual XXXX federal guidelines. SPS has employed deceptive financial practices. As of XXXX, XXXX, XXXX the advocate asked SPS representative what the " servicer guidelines are for modification? '' The SPS representative answered that if the client is " current in mortgage payments '' they are not eligible for modification! SPS will not honor the fact the documents were submitted in a timely manner to them. So while I am experiencing financial hardship and need help ; SPS will not give it if I keep paying the loan. Yet SPS puts in writing ( XXXX ) that the consumer can apply for a " modification. '' For over 36 months SPS has requested redundant documents, delaying the process, while lying about whether the modification was possible or would ever be approved unless the loan was in default. Not only have years of our lives and financial health been impacted, but SPS has performed malfeasance in its treatment of our modification application process. We have proof and written documentation.
Consumer complaint received 2022-05-17
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 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 XXXX 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 XXXX n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CT)

I sent a letter to the company to correct or remove the account. I had the Credit Bureaus contact the company to remove the balance or remove the account in full. I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act. The listed address below is inaccurate and violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 6192 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC (NY)

On XX/XX/XXXX, I initiated a request for refinance, with the assistance of my son, from Finance of America via XXXX XXXX, with XXXX XXXX as Loan Officer. Over a number of weeks, I complied with every document and information request, giving access to the whole of my financial identity, as well as payments to XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX as I was instructed. Those payments, {$750.00} and {$200.00}, respectively, were confirmed as received by XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX. Awaiting appraisal of my property at the end of XXXX, we expressed concern about my rate lock. XXXX reassured us, stating that she had spoken with XXXX and he said FOA would abide by the originally stated rate of 2.99 %. The appraisal was completed on XX/XX/XXXX with my copy received XX/XX/XXXX, and all requested requirements to move to close were met. Six weeks later no further information or updates provided, except for duplicates of the same appraisal report, so I expressed my anger and concern, and requested the status update from the 3 FOA employees involved ( listed above under initial filing ) on XX/XX/XXXX. No response. After numerous phone calls to XXXX XXXX she advised my son on XX/XX/XXXX that she just required my updated paystubs and we would move to close in XXXX. I submitted the next day and nothing. 
XX/XX/XXXX, XXXX months after initiating this refinance, I sent another email as a precursor to initiating more formal and legal action. This time XXXX XXXX responded that he was reassigning my file to XXXX XXXX. However, it is now apparent that this was a deceptive and fraudulent exercise on his part as he obviously had no intention of abiding by the original terms and was perpetuating the illusion that this was just a further extension of the initial processing. He continued, along with XXXX XXXX, to solicit duplicated documents and another credit check in spite of my stated concerns. Part of the process to update I was told. After 2 more months of paperwork and signatures, XXXX XXXX who was anxious to discuss on the phone before committing in writing finally unveiled his offers to accommodate the failure of his processing which essentially exceed my current rate by .5 % to 1.25 % with other nonconsequential gestures listed. How arrogant to put his self-interest based nonsense before me after all my wasted time and opportunity. No effort to address my costs and losses due to Finance of America employees.

My current mortgage is at 4.375 %, my credit score in the very good to excellent range, and my home appraisal over double the amount owed on it. This refinance was never due to need, could have been transacted with any other lender, and was initiated to take advantage of optimal rates which were still available well after my paperwork was completed
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-17
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. (MO)

I have constantly sent dispute letters for the last 3 months to all three credit bureaus concerning two accounts. XXXX XXXX and XXXX XXXX. XXXX XXXX continues to report different closing dates and last pay dates. I have gotten responses that the account is accurate and verified, which is absolutely false. XXXX XXXX continues to report inaccurate late pays including two 30 day late pays, one in XXXX and the other in XXXX of the same year ( 2019 ), and two 120 days late in XXXX and XXXX of the same year, while the other bureaus report different information as well.
Consumer complaint received 2022-05-17
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. (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
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

Despite the death of my wife, charges were made to her account. Over several months attempts were made online and via phone calls to dispute the charges and refund the money. Charges were eventually reversed. The bank refused to release the money despite providing a death certificate by mail and a copy of the death certificate via online. Today the rep requested proofs of payments by showing my bank statements. The rep acknowledged there is money in the account. 

I am getting runaround dealing with different representatives of the bank from the end of XX/XX/2021 to now.
Consumer complaint received 2022-10-15
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-17
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

Hi. My name is XXXX XXXX. My Mom had numerous annuities with First Citizens Bank with me being the sole inheritor. They are all gone, there is nothing left in any of the annuities in my name. First Citizens Bank let my sister XXXX XXXX illegally use Power of Attornet to steal my whole inheritance. I have an attorney and one was appointed by the XXXX XXXX XXXX to be Adminitrator and First Citizens Bank is stone walling the information that the Attornies need to bring a law suit against my sister and possibly First Citizens Bank.
Consumer complaint received 2022-05-17
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. (TX)

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 XXXX 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 XXXX 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 XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (PA)

I am a former XXXX customer. In XXXX, I communicated with XXXX regarding account # XXXX. At that time, I the account balance was approximately {$1500.00}. The account was sold to Southwest Credit ( account # XXXX ), whom offered an approximate {$700.00} settlement. I accepted that settlement and made the payment to them on XX/XX/XXXX. XXXX email, I informed XXXX that the settlement was paid and attached the settlement offer and receipt of payment for confirmation. XXXX confirmed receipt of that email communication and informed me that it would take approximately 30 days for payment to be reflected in XXXX 's records. In XX/XX/XXXX, I reviewed my most recent credit report and Southwest Credit has still listed the balance of {$1500.00} as " unpaid. '' There are no monies due and the account should have been updated.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XX/XX/2021 I contacted Portfolio Recovery collection agency spoke with representative XXXX ( female ) to pay off a debt for XXXX XXXX, I was then told after asking to send a letter showing it was paid off and to also report on my credit bureau the same. The representative then said she would do so but to allow 30 days for it to reflect, after a year later it is still showing on my credit report as not paid. I then contacted them again on XXXX XXXX and the rep said it does show paid in full and that she showed it reported as of XX/XX/2021 but if I wanted it off my credit report I had to contact XXXX XXXX to get it removed. I am requesting a {$1000.00} due this affecting my credit after a year of this being paid or immediate removal of this negative and incorrect information on my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I have a mortgage with WELLS FARGO on a condo in XXXX XXXX. My property and flood insurance was held by XXXX. XXXX decided to no longer provide cover in Florida. The cover therefore lapsed which was in XX/XX/XXXX. Apparently Wells Fargo sent reminders to that address that they may place forced coverage. I do not live permanently at that condo and the mail is forwarded. The letters were NOT received. My broker was instructed to provide new cover and did so with XXXX of XXXX XXXX  XX/XX/XXXX at a premium of {$22000.00} which was a significant increase from the previous premium. Proof was sent and acknowledged by WELLS FARGO on XX/XX/XXXX. We were NOT informed that forced cover was placed for the period of 3 months at an annual premium of {$85000.00} ( approx ), 4 times the amount of the real premium. The mortgage payments are made on auto pay and I had not looked at the statement until today XX/XX/XXXX as I have had no communication with Wells Fargo and assumed the mortgage was current, which it is with the exception that they have added an escrow to my account. I pay all property taxes and insurance myself and have done for the last 10 years and was surprised to see a monthly amount of {$2400.00}. They tell me they credited {$60000.00} back on the forced policy leaving some {$25000.00} to be repaid. That cover by Wells Fargo was with XXXX XXXX XXXX clearly an affiliate. I told Wells Fargo there must be a mistake with the exhorbitant premium but was told it was correct. I asked if a case number could be provided to escalate and resolve and was advised there is no process within WF to do this. Yet another issue constantly in the news with Wells Fargo practices and ability to make money without due regulation for the consumer.