davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Due to covid I was laid off from work : I live in California and we were completely closed down. I struggled and made payment for the 1st 5-6 after covid started but I depleted my savings. I applied for a covid forbearance plan from SPS and that went back and forth and eventually I was approved for a repayment plan ; which would increase my mortgage payment by about {$1400.00} This doesn't help I asked if they could add the balance to the end of the loan and I have not heard back from SPS. Please help me make my payments again ; I was not late on my mortgage and struggled to make payment through all of 2020. Please help
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

This company ignore my written request by certified mail, more than a month ago, on XXXX XX/XX/2021. 

XXXXXXXX XXXX XXXX  reports : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXXXXXX XXXX XXXX, GA XXXX I have already requested the free written credit report my certified mail on XXXX XX/XX/2021.
Consumer complaint received 2024-03-22
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. I contacted the credit bureaus to report the fraudulent activity and they failed to address the issue. There are numerous fraudulent accounts that are being reported in my name that are not mine and should not be on my credit report. I sent them all required documentation along with the proper identity theft filings. I really need this misinformation removed from my credit reports immediately. This is causing me a great deal of stress.
Consumer complaint received 2021-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (LA)

My account was locked and then closed after I received a deposit from the SBA treasury. I had this account for about 2-3 years, and get direct deposits every week. I called the bank a few days in advance to make sure that the deposit would get deposited because it was for {$10000.00}. I got the deposit Wednesday XX/XX/2021 at XXXX. I withdrew {$400.00} in cash from an ATM. At about XXXX I tried to access my account on the App, however it was saying my password was invalid. The next morning I tried to withdraw cash and was unable to access my account. I then called the customer service number and was told my account was locked. The representative couldnt tell me why. I made several calls and was only told that I have to write a letter to their compliance department and the address is a P. O. Box, which is very suspicious. I called back several times to get a clear explanation of what am I supposed to include in the letter and still nobody can answer me. I asked them if the issue was the deposit from the SBA, can they send the funds back to the SBA, and they told me that they are not able to do that. Can someone please help me get my money back or have the money returned back to the SBA. This is a crime. Ive been waiting for this money for over a year, and this bank basically is trying to steal it.
Consumer complaint received 2021-06-27
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. (FL)

I was going over my report because I am looking to buy a house and I noticed some errors. I have since been stricken with panic attacks, have missed work and my hair is falling out due to stress caused by this false information on my credit report.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2021-06-27
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 look at my Credit Report and i see unauthorized inquiries on my report from XX/XX/ 2021. I did not authorize XXXX XXXX XXXX XXXX, global lending service or XXXX motor acceptance to look at my credit report i dont have any accounts with those companies i have sent letters to experian and the companies asking them to remove the inquiries
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have been disputing these late payments on my account because they are inaccurate reporting on my account.. I have sent in letters to Experian asking for ALL investigation and was not giving anything. Its been 2 months and they are still violating my consumer rights by report this inaccurate information and its getting frustrating.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OK)

PayPal locked and limited 2 accounts of mine for 180 days. One account with {$18000.00} in it and one with {$9600.00}. Both accounts only had 1 chargeback ever and I won both cases on the accounts. Whenever I called PayPal the said for both accounts it was due to " Quantity Suspicions ''.
Consumer complaint received 2021-03-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (FL)

I am a long time customer with Freedom Mortgage, for the past 4 years I am trying without any success to refinance the existing mortgage and I am concern of the way the company handles private information like the SSN. 

Every time I receive a notice that I am eligible for streamline refinance or other type of lower rates I contact the XXXX and I proceed with the application ; however each time after 20 or 30 days the applications is closed and the reason is always the same " incomplete application ''. 

The agent who normally takes the application becomes unreachable after they take the application over the phone and after the initial documents are signed, after that step the agents can't longer be reach. 

My concern is what does the company do with all those signed documents and SSNs etc and why is when the rates are the lowest the company always closes the applications. 

When I contact the company no one can explain what happens, they don't take the time to review the files and they don't offer any solution.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Sentry Recovery and Collections, Inc. (CA)

I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I need to update my last name with Coinbase. I have submitted required documentation to them several times, and it has been rejected every time. My first record of this rejection was on XX/XX/XXXX ( twice ) and XX/XX/XXXX ( 4 times ). 

I submitted a help request on XX/XX/XXXX ( Case # XXXX - Got married, changed last name ) and got no resolution. The ticket was then closed by Coinbase completely unresolved. 
I submitted an additional request on XX/XX/XXXX ( Case # XXXX - Issues updating legal name ) and, after repeated requests, on XX/XX/XXXX they told me they couldn't update my name because my driver 's license is expired. It's not expired. It expires in 4 months. 

I don't know how to change my name to ensure that I can retrieve my funds. This lack of service and rejection of accurate data feels deceptive at best.
Consumer complaint received 2021-07-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CA)

I took out out a loan to finance a XXXX XXXX XXXX through Santander Consumer in XXXX. We made timely payments up until the time in mid XXXX when me and my former partner lost our jobs due to unemployment. Santander did give us a few months of deferment due to Covid. In XXXX of XXXX, the car was totaled. The insurance company paid Santander the value of the car at the time, but there was a remaining balance of approximately {$7000.00}. I called as asked if there was any type of program to modify the loan amount as we were injured and unable to work. It was also still in the midst of Covid. I was told that due to the fact that the car was totaled, there was nothing that Santander would due for us. The outstanding amount remained and they would not put me on any time of lowered payment plan. My ex partner continued to make payments but could not pay the {$430.00} in full so the loan became past due, all while Covid is raging. 
Now over the past 4 months, the loan is being reported to the credit agencies as having late payments and has hurt my credit score by over 100 points. Again, today, I reached out to Santander and asked why they are reporting me to credit agencies and they denied it. Again, I asked for some type of assistance and was told there was nothing they were able to do. After looking over your web site, I see that creditors are obligated to try and work with consumers to pay their debt. Also, because of Covid, I have learned that late payments should not be reported to credit reporting agencies. Santander has ruined my credit, despite my attempts to try to pay what I owe. I never refused to pay the amount owed, I simply asked for some help to allow me to be able to make an affordable amount. 
I feel as I am being punished because of an accident. That is not fair and I feel they should work with me. They already have a settlement to its auto loan customers that they treated unlawfully with loans issued in XXXX.
Consumer complaint received 2021-06-27
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. (NY)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see Attachement
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery is attempting to collect a debt not owed. I asked them to produce a wet ink signature with me in contract with them. Under 15 usc 1692 ( g ) and they havent. This is a violation for false reporting. I am a consumer and the original creditor. Also under 18 usc 8 all debt are under the obligation of the United States. 
1. Send me a wet ink signature stating were in contract 2. Not a photocopied statement 3. Send me a contract where you have a right to collect 4. Prove that I owe your company a debt
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (MI)

I used WorldRemit to send {$1000.00} USD to XXXX XXXX to pay for a research internship I am completing next summer. I initiated the transfer on XX/XX/21 and my internship organization has yet to receive funds, and stated that while they usually use WorldRemit for this purpose, another one of their interns had the same problem I am experiencing recently. I contacted WorldRemit to see why the transfer was delayed and attempted to cancel it but was told that my money was already with their local partner and they could not cancel the transaction. I asked who their local partner was and they refused to tell me but said they would send an email asking this partner to reject the transaction so WorldRemit could cancel it and refund me. They have yet to get back in contact with me and they are nearly impossible to reach via their customer service phone number and online chat function. I have lost {$1000.00} USD now and am unable to pay for my internship or receive any answers as to where my money is.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX : {$32000.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Roosen, Varchetti & Olivier, PLLC (GA)

XXXX XXXX XXXX XXXX XXXXt has had a law firm to place a title lien on my property. My name is XXXX XXXX and clearly this is a case of mistaken identity bc there are literally thousands of individualswith the same name. However, the above company did not research or clarify any of this info prior to having the law firm/attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ga XXXX go to XXXX County courthouse and place this lien. The law firm or student debt is listed under Roosen Varchetti & Olivier Ga, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX, Ga XXXX. THEY REFUSE TO CLEAR MY NAME. This has caused a major headache, loss of time and wages, and stress. I am currently having my loan refinanced and wouldn't have ever known this document even existed until they did a title search. This is humiliating and embarrassing. I have spoken to the law firm who has no record of a XXXX XXXX with my date of birth or SS # on file. Who is held accountable for slander of my name and discrimination when mistakes are made. Now I'm forced to get an attorney to rectify what should have never taken place.
Consumer complaint received 2020-06-12
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. (MS)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1700.00} XXXX {$1600.00} XXXX {$640.00} XXXX {$200.00}
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (VA)

I executed a balance transfer on my Discover card # XXXX on XX/XX/2022. In error, the balance payoff was issued twice leaving me with a credit balance in excess of {$3000.00}. I contacted them and asked that it be returned to the checking account at XXXX XXXX ending in XXXX for which they had all the necessary routing and account information. I was told that it would not be a problem. I have called and talked to 4 different agents that said it was in process. I talked to a supervisor that explained that the process wasn't properly completed by the agents and that was the reason for the delay and the money would be transferred back and I should see it today XX/XX/2022. That has not happened. A second supervisor told me today that there is some disconnect between the credit card department and the electronic transfer section of the company and I might see the money by XX/XX/2022. I had the same double entry happen to my XXXX XXXX card balance transfer and they returned the money to my checking account within 2 days. I don't feel this treatment of my finances is either prudent, proficient or proper fiduciarily.
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (FL)

Good day! 

I would like to seek assistance regarding our ongoing short sale request with the lender. We have exhausted all possible resolutions and efforts we can do on our end. We were advised Friday, XX/XX/XXXX that the investor approved our offer after 6 months of doing a short sale with them ( not to mention the previous months we waited with the previous servicer before the loan was transferred to them, Fay Servicing ). We comply with their request of {$260000.00} net although it seems unreasonable since their appraisal value is {$240000.00} only. 
Now, we are only waiting for the formal approval letter that was promised to us that until now we don't have any update yet. We did regular follow-ups via calls and emails. We were promised a callback but we have not received any response from the processor, named XXXX XXXX nor her supervisor XXXX XXXX. In short, we were left hanging without any idea what's going on or if there is any ETA. Everytime we called the processor is not available and the agent we will be able to spoke to does not have even any idea that the offer was approved. 
We informed them that we need to get this done asap since we also need to review the file for them to be able to issue their own approval which they can not do since they are waiting for the approval letter from the 1st lien. 
Our whole short sale experienced with them is horrible, frustrating, and very stressful.
Consumer complaint received 2023-03-08
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)

The credit report agencies show late payments, and I have never been late paying my payments. 

In Accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.