davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

After years loan modification has damaged our credit, we have been stressed out, and we got XXXX time trail modification. We paid XXXX XXXX XXXX modification from XX/XX/XXXX- through XX/XX/XXXX with all hope and Affordability modification but after all payment SELECT PORTFOLIO SERVICING INC collected approximately {$34000.00}. We have not received affordable modification and, we believed they are violated the California law because they collected the money after 5 years expired statue limitation, my Account due date start XX/XX/XXXX. We did not receive an offer for the modification ; They did not increase the term, did not forgiveness,, did not principal reduction, and did not lower any payments. 
The SPS collected the money after California statue expired we have requested again after one year we received a new trial modification on XX/XX/XXXX and we have have to pay 3 month trail modification again, they will not increase the term, not give us forgiveness, not give us a principal reduction, or give us lower payments. Select portfolio servicing collect the money by new trick and never reduce the Affordability modification.
Consumer complaint received 2022-05-13
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. (IN)

in accordance to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Consumer complaint received 2020-12-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2020 I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NC)

My wife and I currently have an auto loan with Santander USA on a used car opened in XX/XX/XXXX. We were given an extremely high interest rate for this loan. Santander has been sued by my state of North Carolina along with 33 other states. Santander settled the lawsuit with the State Of North Carolina and all other states on XX/XX/XXXX. To this date, Santander has not cooperated with the terms of the settlement and continues to contact concerning past due balances which were caused due to the high interest loan given for which they were sued by 33 State Attorney Generals. Santander is not adhering to the terms they agreed to in the settlement. They have provided no relief at all.
Consumer complaint received 2020-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020 I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-22
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. (FL)

Back in XXXX a XXXX XXXX employee signed me up for a credit card only to find out that the product I wanted was NOT available. So because of this I closed the account with them because I did not authorize a hard pull due to the fact that the item that I wanted was not available. This is XXXX XXXX because when I went to go get a XXXX Credit Card last week they did a hard pull and told me that I was denied because of XXXX XXXX/XXXX XXXX mistake. My credit score is XXXX so I really don't see the problem besides it being that. I need to get XXXX XXXX off of my credit report immediately so I can be reconsidered for the XXXX store Credit card.
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (FL)

My XXXX XXXX credit card with a XXXX  limit is not being reported by Equifax. As I have not missed any payments on this account their refusal to report this account is adversely affecting my credit worthiness.
Consumer complaint received 2019-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NV)

I rented a apartment at XXXX XXXX XXXX XXXX It was unit # XXXX. Upon repeated harassment from tenants below us I decided to move after the women who lived there tried to force their way into my unit. I called management repeatedly and was told it is a personal matter. After I felt unsafe I left on XXXX fearing for mine and my daughter safety. On XXXX this debt was turned over to XXXX XXXX collection agency. My rent was paid until XXXX my lease was up XXXX. This collection agency contacted me on XXXX demanding I take care of the debt. I pointed out a few major issues. 
1 ) my rent was paid until XXXX how can I owe for non payment I have the transaction on my bank statement. 
2 ) my lease was up XXXX yet you say I owe you 24 days but my rent was paid until XXXX. 
3 ) the carpet damage is on the walk through report and was badly damaged and frayed when I moved in I was there 8 mos.

4 ) I never received any information or itemized bill from anyone yet you are trying to collect a debt. 
5 ) this building is a non smoking building but I was constantly having XXXX smoke blown into my unit by down stairs through balcony door and through vent in the bathroom. 
6 ) in there own lease it says prohibited activity is threatening behavior the disturbs the safety of others. I'm XXXX and XXXX these women tried to force their way into my unit. 
I called the management office several times telling them about repeatedly being bullied and harassed and XXXX told me is was a personal matter.
Consumer complaint received 2019-04-26
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, we bought a laptop for {$2400.00}, upon receiving it, we found it to be defective, the speaker does not work, battery does not hold a charge, so we returned it back to XXXX. XXXX received it, and weeks went by, no response from XXXX, so we placed a dispute with Chase. XXXX responded back, saying we returned the wrong item, we disputed this with a picture of the product we returned. We believe Chase 's decision in this case was unfair, we returned the correct product, and now have nothing, and is being forced to pay for the laptop even though we do not have the laptop anymore.
Consumer complaint received 2020-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CO)

On XX/XX/2020, a debt collections record appeared on my credit report. The debt is for the amount of {$690.00} and the collection agency is EOS CCA. After investigating further it appeared that XXXX XXXX is asking for the debt to be collected. 

When I called XXXX  they said they dont have an outstanding balance for that amount in my account. I have already cancelled XXXX but I dont owe that amount. I have never been called about a debt collection for this either. 

Yet I havent been able to get anyone in XXXX to remove this debt collection from my account. This came at a horrible time as we are trying to buy a house and now my credit score went down by 50 points
Consumer complaint received 2019-04-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (NJ)

Hi. I've been getting continues calls and letters from collection agency Radius global solutions for an old debt to XXXX which was included in a list of accounts on my credit record when I did credit repair about 3 or 4 years ago. I check my credit record often and I see no accounts on collection, my record simply appears clean in all 3 bureous, and I actually have a new account with XXXX already. That account is from around XX/XX/2012 or even before. 

I asked the person that helped me fixing my credit and he said they have no right to charge me or do anything anymore against me. So I need these people to stop calling me or sending those letters. 

XX/XX/XXXX Radius reference number XXXX CURRENT CREDITOR ; XXXX XXXX I, XXXX {$1100.00} I got another letter after that on XX/XX/XXXX offering me an option to pay the debt in 3 payments, for a total of XXXX, but as said before, I know my credit is clean and this is for a very old debt which was cleared from my credit report
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted the credit reporting agencies and asked that this item be removed from my credit report because this item is not mine and reporting inaccurate and there has been no progress and has not been removed I have sent in a identity thief report and it has not been removed yet and this has caused serious damage to my credit report. 
can you please have this situations taken care of as soon as possible.
Consumer complaint received 2020-12-20
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: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2018-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (OR)

A year ago I took out a fixed auto loan with Wells Fargo. There are no pre-payment penalties for this loan. The minimum payment due each month is {$220.00}. I have paid more than the minimum payment due several times ( more often than not, sometimes as much as {$100.00}, each time writing on the check " please apply remaining balance directly to principal. '' However they have continually applied my over-pay amount to the following month 's in minimum due ( thus reducing my minimum payment for the following month. ) I still continued to pay more than the minimum due, and this cycle continues to this day. I assumed that eventually this will even itself out by reducing the amount of time it will take me to pay off this loan. 

This morning I thought it best to call Customer Service to verify this instead of assuming. The representative stated that this was not the case. Since I pay via Bill Pay ( through Wells Fargo online ) they do not process this pre-payment request, early principal payments can only be made by signing up on their Auto Pay Program. I once again reviewed the back of the statement and there's nothing indicating that this is required. In fact, all of my other creditor 's are able to accommodate my payment overage 's via bill pay without a problem. 

I feel that this is deceptive in that I reviewed the " Payment Options '' section of the back of the statement prior to pre-paying any of my principal and their " special '' requirement was never disclosed. 

Very deceptive!
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (MA)

I applied for a credit card from XXXX, I finished most of my application but stopped at where they asked me for my photo ID because after research I saw it was not a good card. 

The reason they asked for my ID was because I have an extended fraud alert on my credit report.

The company decided to open the card anyways without me sending over the required documents, so they charged me an annual fee or something and now I owe on that card. Once I saw this on my report I immediately disputed it but they didn't remove it.

If I didn't submit the requested documents for verification they can not open the account, that would be fraud. I have tried numerous times to contact the company and they do not understand the issue or I can't get a hold of a human.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX XX/XX/2018 Experian has on my credit report 2 of the same address which there should only be 1 not 2 duplicated address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

After reviewing my credit reports on or about XX/XX/XXXX, I noticed false and inaccurate information between all three reporting agencies. Among that information is incorrect and old spellings of my name and previous names, old employment history and inaccurate, non-mailable, duplicate addresses that needs to be updated. 

In accordance with The Fair Credit Reporting Act 15 USC 1681 section 602, it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have a right to make sure my private information is accurate, correct and without error. 

False, incomplete, and old information must not appear in background check reports, and a persons complete consumer file, per the CFPB. 
The CFPB issued guidance on permissible purposes for accessing consumer reports, identifying and eliminating obviously false and junk data, and resolving consumer disputes. 

These reported inaccuracies are in complete violation of The Fair Credit Reporting Act, and The Privacy Act of 1974. 

In accordance with 15 U.S. Code 1681e - Compliance procedures. ( b ) accuracy of reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

It is very obvious that Equifax is not concerned about accurate reporting ; instead the company bends to whatever untruths/mistakes that it's member corporations insist on reporting. I have submitted another dispute that is clearly a mistake on the company 's part, but Equifax either did not read the supporting evidence or refuses to force the company to modify the tradeline consistent with the status that is supported by the documentation. 
On XX/XX/XXXX, I submitted dispute # XXXX, is dispute to delete a tradeline. I filed because the creditor agreed to delete the tradeline as a result from a previous CFPB investigation ( XXXX ). The effective date of that deletion was XXXX, but as of XX/XX/XXXX, that tradeline still existed on my credit report. Evidently, the message to deltee the tradeline never made it to that company 's clerks who process credit reporting. So, in my most recent dispute, I attached the letter from the creditor which outlines the commitment and includes the tradeline deletion form. Instead of Equifax reading and deleting the tradeline, they forwarded the dispute to XXXX ( now XXXX XXXX XXXX ) again, and whatever clerk received the dispute responded back that the tradeline is reported correctly. So, it's clear that either Equifax didn't send the document to that clerk or that clerk didn't open to read the document from XXXX/XXXX  committing to deleting the tradeline ( as of XX/XX/2020 ). Attached is the documentation : 1. The CFPB complaint ( XX/XX/2020 ) 2. XXXX/XXXX  XXXX XXXX Tradeline Deletion Commitment ( XX/XX/2020 ) 3. Recent dispute results of tradeline deletion request showing XXXX/XXXX  clerk responding the account is reporting accurately.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (TX)

My account was locked back in XXXX due to a 'change of address '. I in fact have not changed my address and it has been the same for years and have provided the necessary information they asked for, multiple times.. Every time I call to check the status of my account, I'm told that the " FIU '' department is the only department that can unlock my account and that they are only able to be contacted by email which I'm sure is absolutely not true. It has now been over 4 months that I have not had access to my money. I have bills to pay and a baby to provide for. I am on the verge of suing the company for fraud.
Consumer complaint received 2021-11-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Auto Finance has reported false and misleading information. This loan was paid off in full. I did not make any late payments during the term of the loan. This company is reporting that this account was charged off when it was NOT. This company is reporting many violations against such as : 15 us code 1692e ,15 us code 1681e ( b ) and 15 u.s code 1692k ( a ) ( 1 ).
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

in accordance to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Consumer complaint received 2017-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (AZ)

Sunrise Credit Service, f rom NY, has been calling my home for a month a dozen times a day beginning at  XXXX   XXXX  until  XXXX   XXXX . On three occasions I have answered the phone and explained to the debt collector its not my debt of {$67.00}?? to  XXXX   XXXX   XXXX . My name is the same but wrong address ( lived at my current address for the past 16 yea rs ) an d I have never ordered anything from this company. The second time I spoke with a collector I was told my name and phone number would be removed from the call list and then again at  XXXX   X/XX/2017    they called again. Sick and tired of my phone ringing all day and being harassed for a debt that does not belong to me! Their tactic must be to harass everyone with the same name until someone cries " Uncle '' and pays up to stop the phone calls.