davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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 has violated my rights. 

15 U.S.C 1681 section 1 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 2 604.A also states a consumer reporting agency can not furnish an account without my written approval or instructions.

I have asked this company several times to provide me with a signed contract by myself and they have not delivered
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MS)

This company XXXX XXXX XXXX calls every day from XXXX to XXXX including on XXXX and XXXX. I have disputed this debt several times to no avail. They sent me information on this debt that I did not know about. The amount that they are saying I owe them is {$2000.00}. I have sent a letter asking them for a signed purchase contract with a wet signature stating that they had my permission to access my personal information and I have yet to receive it. I've lost my fiance ' and my daughter 8 months apart and this has proven to be very stressful. If I had any inkling that I owed this debt, I would have paid it by now. This company has been relentless.
Consumer complaint received 2015-05-02
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I CALLED PORTFOLIO RECOVERY ACT TO SETTLE A BALANCE. THE CSR WAS VERY RUDE AND WHEN I ASKED HOW MUCH IT WAS GOING TO BE TO SETTLE, SHE STATED SOMETHING SIMILAR TO " WHY? YOU DONT HAVE THAT KIND OF MONEY '', " YOU COULDNT PAY THE MONTLY PAYMENT OF X $ ON YOUR CREDIT CARD, BUT YOU HAVE THE MONEY TO SETTLE ''? SHE WAS VERY RUDE AND WAS WORKING AGAINIST ME. I THEN TOLD HER I WOULD SEND THE MONEY TO XXXX AND SHE STATED THEY WILL SEND IT TO PORTFOLIO. THAT DAY I WAS CONTACTING XXXX DIFFRENT AGENCIES TO CLEAR UP MY DEBT, THE OTHER XXXX WORKED WITH ME AND THE DEBT IS NOW PAID. THIS DEBT IS STILL OUTSTANDING SINCE SHE WAS SO RUDE WITH ALL HER COMMENTS AND SLANDER THAT NOTHING WAS RESOLVED THAT DAY.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

On or around XX/XX/XXXX, a visit was made to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX ) with my daughter to purchase a vehicle. We arrived at the dealership with pre-approved financing thru our Bank. However, after agreement on a vehicle and purchase price, the XXXX XXXX finance officer insisted that we give XXXX XXXX in-house financing an opportunity to beat our BOA pre-approved financing we came with. They were unable to beat our preapproved financing, so obviously we did not go with their lender. 

Last month, my daughter and I received an Adverse Action Notice sent by Westlake Financial dated XX/XX/2024, stating that our credit application at XXXX XXXX XXXX was declined. The notice further sited poor credit performance, Too few accounts paid as agreed, and length of time accounts have been established. 

Please note that my credit score is XXXX and even my young daughter has a score of XXXX with a long history of above excellent credit. This Adverse Action Notice is not only dishonest in its negative adverse action reason but also discriminatory in its attempt to disparage the credit rating of myself and my daughter. The credit application at the time of our visit was in fact withdrawn and should have been dispositioned as No Action Taken { XXXX XXXX Notifications } as we canceled the credit request on site.
Consumer complaint received 2022-09-07
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: CLGF Holdco 1, LLC (NY)

This is the second time I've had fraud on this account and have been told I don't need to make a payment. The whole amount charged is fraudulent and do no rust this company to reimburse me if I were to make a payment. I've called several times and still show a payment due while they are investigating. The first time was a nightmare and I anticipate this one will be as well since it's already starting off that way. I've since closed my account and just want this claim to be resolved quickly so it doesn't ruin my credit.
Consumer complaint received 2017-10-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (GA)

The closing date for this loan was supposed to be on XX/XX/XXXX. The  company did not deliver a ready for closing and/or moving in. They refused to do the proper repairs to the house before the closing such date. After phone calls to them and e-mails, they were silent for 23 days. Then on XX/XX/XXXX sent a notice of action claiming we Withdraw the Application. This is not true. My spouse 's credit has already been damaged by the Credit Bureaus. We need your help correcting this. 

Company in Question is : Taylor Morrison Home Funding, XXXX XXXX North XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Amount and Loan no. : XXXX # : XXXX {$240000.00}
Consumer complaint received 2017-06-05
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. (NV)

on or  XXXX   XXXX   XXXX  equifax,   XXXX   and  XXXX  took information from a    XXXX    2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB  Fine  these agencies to the tune of  XXXX  of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (WA)

Previous Complaint # XXXX was closed without allowing me to provide counter input related to the company 's response issued on XX/XX/XXXX. 

In the response letter ( reference # XXXX ) from company, the company argued that " when there is a request made by one of our Card Members to refund a credit amount, we process the request, if the minimum payment is satisfied, we will honor the request. When you requested the credits back from us, there was no reason to decline your request. '' However, what I requested on was to REFUND the available credit on my account, and I NEVER asked for CASH ADVANCE for extra credits than should/ could be refunded. By legal definition, REFUND means to pay back by the party who has received it, to the party who has paid it, money which ought not to have been paid. On XX/XX/XXXX when I requested for REFUND, I was instructed by customer service representative that {$33000.00} was the AVAILABLE credit balance that could be REFUNDED. If that was the correct amount could be REFUNDED, I would not have owed anything from the bank and I would not have been charged {$8900.00} in next statement to pay back American Express. The fact that American Express asked me in next statement for {$8900.00} to pay them back implied that American Express representative either provided wrong information about the available credit balance that could be REFUNDED, or incorrectly interpreted my verbal authorization for REFUND and approved / processed a large amount of debit off my account which is {$8900.00} more than the available balance that could be REFUNDED. Such amount of {$8900.00} should have been processed as CASH ADVANCE transaction, which I never asked for or authorized. 

Therefore, I argued that the {$8900.00} should have been a CASH ADVANCE transaction which I never asked for or authorized. It was processed as bank error and the bank should waive any interest or fee associated with such error.
Consumer complaint received 2021-11-04
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. (VA)

XXXX, Equifax, XXXX Mailed in my factual dispute for " co '' still reporting on a dead account, the accounts are still up and reporting, this is changing the statue of limitations which is stopping me from getting a home. This was XX/XX/2021.
Consumer complaint received 2018-03-22
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)

In response to Experian investigation results with report # XXXX dated XX/XX/XXXX. I've contacted Experian several times about erroneous information being reported on my credit file. I sent a letter on XX/XX/XXXX requesting the method of verification used to verify the erroneous Public Record showing on my credit file and Experian failed to respond adequately to the request. 

I'd previously sent documented proof from the Clerk of Court - US District specifically stating that absolutely NO information is shared with credit reporting agencies whatsoever. So Experian purchased this data from a 3rd party most likely the XXXX XXXX which has no way to validate or verify the accuracy of the information. 

The erroneous public record has caused financial ruin, and devastation as a result of the Experian 's refusal to follow Federal Credit Reporting Act ( FCRA ) Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. See Attached Letter as Evidence of this statement. I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well.

Experian can Never provide evidence that it received this information on a Public Record from the Original Source - the US District Court. Experian most likely purchases data on bankruptcies from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. 

So perhaps for the reasons and laws above is why Experian was unable to address the simple Method of Verification request because there are no lawful means of verifying this information that is in compliance with FCRA. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (WA)

XXXX cash advance taken on my Wells Fargo credit card. Extra fees as well. 
Taken on XX/XX/XXXX I have been working on this since I received my paper statement ( XX/XX/XXXX )
Consumer complaint received 2024-02-26
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. (MA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : 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 Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2017-06-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Associates Loan Servicing LLC (TN)

I requested to have a private student loan from  XXXX  /1st Associates Loan Servicing (    XXXX   ) in the amount of {$1700.00} in order to take a  XXXX   XXXX    XXXX   class ( course code :  XXXX  ) through  XXXX    XXXX    XXXX  College. I was enrolled in the course on  XX/XX/XXXX  and approved for the loan through  XXXX  /  1st Associates (   XXXX   )  on  XX/XX/XXXX . On  XX/XX/XXXX , a few days after being approved for the loan, I contacted  XXXX  / 1st Associates (  XXXX  ) and advised them that I decided not to take the course through  XXXX   XXXX  College and that I needed the course cancelled/dropped. I asked both the  XXXX  and 1st Associates (   XXXX   ) representative to cancel the loan I was approved for through them, being that I had no need for the loan because I cancelled/ dropped the course ( which I never took or started ). I was told by both the  XXXX  and  1st Associates  (  XXXX  ) representatives that the loan would be cancelled. As of today, the loan has not been cancelled as promised and they are reporting a delinquent status each month on my credit report. I have tried numerous times to get this issue resolved with  XXXX  and 1st  Associates (   XXXX   ),  but I keep getting the run around, both pointing the finger and referring me to the other. Neither has provided help in getting this debt removed from my credit report. Earlier this year around  XX/XX/XXXX , I spoke to  XXXX   XXXX , Collections Supervisor at  1st Associates Loan  Servicing about this issue. He told me that he see in their notes where I requested to have the loan cancelled, but he has done nothing to assist me in getting this debt cancelled and removed from my credit report. He keep referring me to  XXXX . I spoke to  XXXX   XXXX , Admissions Representative with  XXXX  as instructed by  XXXX   XXXX . I explained to  XXXX   XXXX  that I spoke to him in  XX/XX/XXXX  and asked to be dropped from the course and have the loan cancelled. He stated that he see in his notes where I made this request. During my conversation with  XXXX   XXXX  in  XX/XX/XXXX , I was told by  XXXX   XXXX  that  XXXX  do not handle or finance loans, this is handled by 1st Associates Loan Servicing. I really need help with getting this issue resolved and having this debt removed from my credit report. Neither  XXXX  or 1st Associates is willing to make right on this issue. It seems as if  XXXX  and  1st Associates is  operating under shady practices and they are fraudulently reporting incorrect information to my credit report each month and have refused to assist me in getting this resolved. I have recently tried to cont act 1st Associates Loan Servicing but th e phone number is no longer is service. I am not sure if they are out of business.
Consumer complaint received 2024-05-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc. (SC)

this is a follow up to the claim # XXXX. I was asked to send the email address to the compliance officer. I feel more comfortable sending it through here so we can all be on the same page and I have a paper trail and won't have to revisiting the previous info sent and other important details about my case, as we would all be able to come back to this portal for that information and then I have protection as to what is going on. attached is the email again showing who the email is from but as I was getting this information for you I noticed two of the same emails from XX/XX/2024 ... this time it didn't have your logo on it but it has everything else that would be in the body of one of your emails when sending notifications about monthly statements including what appears to be your XXXX # ... XXXX the email doesn't even reference my name as the borrower as you will see but it's using your XXXX #. So if this isn't you that means they are committing fraud.
Consumer complaint received 2022-03-01
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. (IL)

I have submitted two disputes to Transunion for my XXXX  XXXX account being reported late as of XXXX and XXXX of XXXX. The XXXX XXXX account was CLOSED and paid in full on XX/XX/XXXX. For some reason, XXXX XXXX reported it OPEN and LATE even though I called XXXX  XXXX and they apologized and said they will add a note to update the report with the accurate information which they mentioned that the account was paid in full on CLOSURE date and was never late. I disputed with XXXX and they removed the late payment and properly closed and documented the account. 

The first dispute was on XX/XX/XXXX and Transunion came back and still reported my account as XXXX and late but they removed XXXX and kept XXXX as late ( what? ). I then submitted another dispute on XX/XX/XXXX and they came back and reported my payment history to be 100 % but my pay status was late 30 days even though the payment history has already been updated as never late and the pay status does not even say when the account was late which was ridiculous. I have tried to reach Transunion multiple times and their representatives keep telling me to dispute again. I should NOT dispute an item three times for Transunion to get it right or investigate right. They probably never even contacted XXXX XXXX. Corrupt company and disgusting behavior.
Consumer complaint received 2017-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MT)

Missing {$350.00} in payments to my loans, please see attached for the list of payments that are missing and the acknowledgments of the payments.On  XXXX 17 Interest was paid twice, once on  XXXX -17 and once on  XXXX -17. All the amounts from the acknowledgments did come out of my bank account.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On  XX/XX/2017    I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XX/XX/XXXX  I accidentally made  XXXX  electronic payments. I placed a stop payment on one of them to avoid an overdraft and let the other payment process through my bank. I notified  XXXX  of my Intentions on  XX/XX/XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all three credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in the two years since opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide you with one
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.