davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (GA)

I am attempting to remove a freeze on Experian 's website, " experian.com/freeze. It is not accepting my credentials when I attempt to log in. When I attempt to reset the password, it returns 'Your account has been locked due to too many failed attempts. ' The phone number I'm directed to call does not provide an option to correct this. Their automoated phone system wont allow me to can't speak to a Representative. Thus I am unable to reset my password or gain access to their website, ironically to be able to manage MY CONFIDENTIAL INFORMATION.
Consumer complaint received 2024-02-06
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. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

Discover Financial {$3000.00} XXXX  On XXXX I purchased a XXXX XXXX lawn tractor and bagger from XXXX in XXXX, NY and put it on my Discover card. I used it once and there was a major malfunction which destroyed the entire engine. The tractor was picked up by a XXXX XXXX on XXXX with the intentions of replacing it. After a few days I was informed by XXXX that they could not replace that particular model so I promptly cancelled the order and returned the bagger myself. On XXXX the charge was out back on my bill! In XXXX it was contested, but somehow was determined in favor of XXXX. By this time, it was XXXX policy to not issue return receipts after 90 days, which had already passed. After having XXXX investigate this claim, it was determined that the tractor, in fact, was returned and the claim was valid. I reached out to Discover Advocacy, sent a letter of dispute along with fax transmittals, emails, receipts of return and they are still saying they will not remove this from my bill. We have sent them everything they have asked for. They are destroying my excellent credit rating because if this false reporting. Please help us! We have complied with every single request from Discover. They just say no without giving us any answer as to how they came up with this unjustified conclusion.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (KY)

I have always made it a priority to pay my bills on time, and I have a strong payment history with other creditors to support this statement. However, I believe there has been a mistake in the reporting of the late payment ( s ) mentioned above. 

I kindly request a thorough investigation of these late payment ( s ) and urge you to remove any inaccurate reporting from my credit file. I understand that accurate reporting is crucial for maintaining an accurate credit history and ensuring fairness in the evaluation of my creditworthiness.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Resource Systems, Inc (AL)

First, I did not receive documentation that I was able to dispute. So, I was under the impression I had no rights and the only way to take care of the account was to pay. When I did learn my rights I contacted the creditor by certified letter that was delivered on the XXXX of last month. In this letter I asked that the creditor validate the debt. The company hasn't responded. I also called to speak with them about it and got the run around. This is a request for debt validation and the legal required proof and a dispute of the account. I have included a copy of the delivery date of the certified letter along with the return receipt.
Consumer complaint received 2024-02-06
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)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. XXXX XXXX  has did this on XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX. XXXX, XXXX, XXXX of XXXX and now XXXX of XXXX.
Consumer complaint received 2023-02-23
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: TD BANK US HOLDING COMPANY (CA)

Hi, I'm asking for this help because I'm new to the country. I've been around a year or so and since I knew that when a loan is requested, a hard inquiry is made, I have several and I would like to know if there was a possibility that they could take them away from me since this is causing my credit score is not progressing as I would like. That is why I ask for your guidance and support. Thank you so much
Consumer complaint received 2023-07-28
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. (TN)

Im accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX  XX/XX/XXXX, # XXXX  XXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 15 U.S.C 1681section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

I have tried numerous times t o reach OCWEN to be told that I have to wait on hold for a number of callers in front of me. When my turn arrives, the automated system disconnects my phone call. I regularly wait in excess of 50 minutes, just to be disconnected. Today, I waited 53 minutes to be told by a recording that the offices were " now closed '' even though  it was  XXXX  and the recording said the office hours were until  XXXX .
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-05-21
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: WELLS FARGO & COMPANY (NY)

To quicky explain, I went to Wells Fargo to apply for a credit card and they denied Me. For their own reasons I have been financially cast aside and lost at sea, dealing with Wells Fargo as a banking institution. Their practices have proven to be discriminatory toward their indigenous abOriginal American customers, I see.
Consumer complaint received 2024-02-06
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. (RI)

Since XX/XX/2023 I have been disputing multiple fraudulent that is report to my report. I have filed a police report and an FTC report and there are still some accounts that should not be on my report. I have disputed will all XXXX credit bureaus and only XXXX have resolved my issues and removed all accounts. XXXX have removed some there are still XXXX accounts that needs to be removed. Equifax have not removed none of the accounts. 

15 US. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Its has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (NY)

I did not consent to, or authorize nor benefit from any of the following inquiries and information. 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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

There are several names that are not mine, addresses, and employers that I have requested to be removed. And there are numerous inquiries on my credit report that are over XXXX XXXX XXXX and should no longer be on my credit reports. 

XXXX XXXX XXXX XXXX XXXX  is reporting a late payments on my account and I have never been late on this account. I have reached out to XXXX and the 3 credit bureaus for reinvestigation but nothing has been investigated because my credit report Dispute Status states " Account not disputed ''. 

XXXX XXXX XXXX XXXX is reporting a late payment on my account and I have never been late on this account. I have reached out to XXXX and the credit bureaus to update but nothing has been investigated because my credit report Dispute Status states " Account not disputed ''. 

XXXX XXXX XXXX XXXX is reporting a late payment on my account and I have never been late on this account. I have reached out to XXXX and the credit bureaus to update but nothing has been investigated because my credit report Dispute Status states " Account not disputed ''. 

XXXX XXXX XXXX XXXX is reporting a late payment on my account and I have never been late on this account. I have reached out to XXXX and the credit bureaus to update but nothing has been investigated because my credit report Dispute Status states " Account not disputed ''. 

XXXX XXXX XXXX XXXX is reporting on my credit report and I have no idea what this account is or who it is from. 

XXXX XXXX XXXX XXXX  is reporting on my credit report and I have no idea what this account is or who it is from. 

Outdated Inquiries 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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (CA)

UPSTART ( XXXX Co ) XXXX XXXX, CA This company has reported an INCORRECT data on my Credit Reports preventing me from getting a Mortgaga Loan. A Bloody {XXXX} Charge which I never saw until after I had moved I had moved in XX/XX/XXXX and they sent the letter in XX/XX/XXXX... I pay my Monthly Obligation of {XXXX ON TIME EVERY MONTH ... .NEVER LATE!!!! 

They sent a {XXXX  Late Fee letter to an address where I was no longer residing at. This DEVILISH and Law Breaking Company NEVER contacted me via Email or Phone about this XXXX  charge ... .I only found out when I looked at my Credit Reports when I applied for a MortgageLoan .... 

This XXXX} Late Fee has RUINED my Good Credit and DROPPED XXXX Points on my FICO Scores to point where I can not get a Mortgage Loan They are not following the Fair Debt Reporting Act ... Breaking the Law with their ridiculous HIGH INTEREST RATE... RUINING people 's Excellent Credit & Lives This XXXX Company should be investigated ... They are a LOAN SHARK out there RUINING LIVES UPSTART ... .I can not get a Mortgage Loan because of this BLOODY XXXX Late Charge they '' ve STAINED my Excellent Credit with I DEMAND THAT UPSTART delete/remove this derogatory information from my report NOW Attached are some of my communication with this XXXX  Company Thank you
Consumer complaint received 2023-02-20
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: Upgrade, Inc. (CA)

I haven't received my XXXX XXXX for the months of XX/XX/2022 or XX/XX/2022. I have called the company numerous times to try and fix this problem to no avail. Every time I call they say they are creating a ticket to fix this problem but nothing ever gets fixed.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety,
Consumer complaint received 2023-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I HAVE BEEN FOR YEARS REACHING OUT TO SPS FOR HELP IN CATCHING UP ON OUR BEHIND MORTGAGE. WE get the death ear and we get we CAN NOT HELP!! Our issue has not changed and in the years past they have offered us modifications for a MUCH LARGER monthly payment then what we were already paying. IF we could not pay that amount how were we gon na be able to pay the new amount. WE HAVE ASKED about re financing and ALL OF THE ABOVE. And we get NOTHING in return from them. NOTHING!! We write letters for help send modification requests every month. WE HAVE REACHED out to the firm trying to collect the debt which was stated in their OFFICIAL letter to us, if we can pay. PUT IT IN THE MAIL OVER NIGHT AND IT NEEDED TO BE SIGNED FOR AND NOTHING FROM THE EITHER. No letter back, email nor phone call from either party. THIS IS INSANE! SPS states in letters and on their own line site they are THEY TO HELP!! NO THEY ARE NOT
Consumer complaint received 2023-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/XXXX Select Portfolio Servicing Attn : Consumer Ombudsman XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE : Old loan # XXXX, New Loan # ( Created in XXXX ) XXXX, SPS Financing, It has been brought to my attention that SPS Financing, better known as Select Portfolio Servicing Inc. held the loan and has been collecting payments from XXXX XXXX since XXXX. SPS Financing sold or transferred the loan to XXXX XXXX in XXXX. According to legal records in XXXX XXXX XXXX XXXX XXXX, the loan was authorized and was taken over by the Government State Entity called the Florida XXXX XXXX XXXX in XXXX. SPS Financing did not have the authority to sell or trade the loan, offer any modifications, or collect any payments consisting of principle, interest, and escrow. During this duration SPS Financing was not the holder of the loan. Furthermore, the loan was sold/transferred back to SPS Financing from XXXX XXXX from the years XXXX, The official records of Satisfaction Of Mortgage Note and Loan Modification states that the loan was paid off XX/XX/XXXX. I am requesting : ALL PAYMENTS INCLUDING PRINCIPAL, INTEREST, AND ESCROW THAT WAS COLLECTED FOR THE YEARS, XXXX XXXX, XXXX BE REIMBURSED BACK TO ME WITHIN 30 BUSINESS DAYS OF THIS LETTER. In closing, there will be a complaint filed to CFPB for further investigation into this matter. Also attached to this letter is the legal document Satisfaction Of Mortgage Note And Loan Modification. ID FOR COMPLAINT SENT TO SPS FINANCING XXXX FILED XX/XX/XXXX Please Govern Yourselves Accordingly, XXXX XXXX
Consumer complaint received 2023-07-28
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. (FL)

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Account : XXXX XXXX Date opened is inaccurate. 
Balance & No. of month terms are inaccurate. 
High credit limit is inaccurate. 
Last reported date is inaccurate. 
Last active date is inaccurate. 
Date of last payment is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX XXXXXXXX Date opened is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX Date opened is inaccurate. 
Last reported is inaccurate.

The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX XXXX Account status is inaccurate. 
Date opened is inaccurate. 
No. Of month terms are reported inaccurately. 
High credit is inaccurate. 
Last reported date is inaccurate. 
Last payment date is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

- My DATE OF BIRTH is reported inaccurately by XXXX XXXX XXXX. 
- My current address is reported inaccurately TransUnion, XXXX, & XXXX ( My correct current & ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ) - My previous address is reported inaccurately TransUnion, XXXX, & XXXX
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NC)

Aspire offers to match my minimum payment to help pay down the account I agree and pay the {$11.00} minimum payment it says I need to make. Then every month it is sending notifications that I have not paid and reporting to credit bureaus that I have not paid or I'm past due.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2017-05-17
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: Experian Information Solutions Inc. (TX)

Disputed the validity of an account. Submitted all the documentation to Experian and they refuse to remove the account due to the reporting agency being a subscriber which certifies the reporting agency is reporting accurate information even though Experian does not conduct an investigation themselves but rely on the reporting agency to investigate their own dispute therefore a conflict of interest. I have submitted the documentation to all   XXXX   credit bureaus and they account has been removed but Experian refuse to remove the account therefore my credit report is inaccurate.
Consumer complaint received 2023-08-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

on XX/XX/XXXX I sent {$100.00} to a brother in XXXX  using MoneyGram. As of this date ( XX/XX/XXXX ) the transfer has not occurred while MoneyGram withdrew {$100.00} from my XXXX XXXX account on XX/XX/XXXX. I have asked Money Gram on repeated occasions for the respective refund and they have not done so.Thanks, XXXX