davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

In XXXX of XXXX, my wife and I opened credit accounts with Park West Gallery ( Synchrony bank ). Although I did not use my account to make any purchases, my wife at the time purchased several pieces. The agreement in place at the time of my wife 's purchases was that no remittance would be issued until she received the last piece of art. The last week of XXXX, she received the last piece and in the first week of XXXX, I found that Park West had made a derogatory report to the credit bureaus in MY name. When contacted, Park West acknowledged their error and corrected it. 
In XXXX, XXXX, I discovered that park West had once again made a derogatory report to the credit bureaus. 
I corresponded with Park West on numerous occasions over the next several years, and even retained an attorney to work on my case. Despite several written notifications from my attorney, Park West failed to correct their error and restore my good credit.Park West 's continued derogatory reporting resulted in my credit history being tarnished, a freeze on my HELOC account, and higher  interest rates on new vehicle purchases. 
In XXXX Park West charged off the account, further damaging my credit. 
Today, XX/XX/XXXX, I received a XXXX alert regarding my credit. Upon investigation, I saw that Park West has initiated some type of suit or judgement against me, but I was unable to find out more details since it was after hours. I have a number of documents to attach to this complaint which will show that I made extensive effort over a span of several years to communicate with Park West and resolve this issue, all to no avail. 
I am not adding any more data to this text block, since I am attaching the previously mentioned documents.
Consumer complaint received 2021-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I am in the process of buying a house. I needed to have remarks removed from three accounts. I called on Monday XX/XX/XXXX, I spoke with an XXXX from Equifax in the dispute department. He was very unprofessional. He was having a conversation with his wife in XXXX before he realized that he did not mute the phone. I would ask him questions to make sure he understood what I was requesting and he would have me on mute and would take several seconds before responding to me. I just wanted to make sure that he was opening the correct dispute because it did not seem like he understood. After I got off the phone with him, I call back and spoke to another young lady who assured me that everything was done correctly. Then on Wednesday I received an email from my lender explaining that one remark had been removed on XX/XX/2021 but the other two were still there. I call Equifax back and spoke with a third person who also said that everything had been submitted correctly. Then on Friday I received another email from my lender stating that the remarks were still there and that one of the remarks was now updated to be reinvestigated. I called Equifax back and spoke with a lady name XXXX in customer service. She advised that all the dispute were entered correctly except for one. Previously I had been advised by three other people that the disputes were put in correctly and now I am being told 4 days later that one was in fact put in incorrectly. She closed the incorrect dispute and reopened it correctly. Then she advised that it could still take up to 30 days, which I thought was unfair at this point as it wasn't nothing I did but something that one of their employees did. At this point she said that she could not move it alone any quicker and I asked to speak to a supervisor/ manager. I was then advised that she would not transfer me to her supervisor and that there was nothing no one else in their company could do to help move this alone. I feel like this was very unprofessional as I know that there is an escalation process in place that could move this process alone.
Consumer complaint received 2017-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

Myloancare.com has changed how their online payment fee structure works. 

If you call in with your number the call clearly states " No fees will be added if paid within 15 days '', but then goes to say " Fees will be added after 4 days after due date ''. 

My mortgage specifically states that there will be no fees if paid by the 15th, nor have I been charged any until this month. 

Now, with this change, there is no way to avoid a XXXX dollar fee ( at minimum ), whether paying online or by phone. They are going directly against my service loan, with no option to do anything but to pay the XXXX dollar fee, or more depending on how I pay. 

By submitting a payment online, I am forced to accept the service charge, if I want to pay online, otherwise can pay over the phone for {$12.00} -- All going directly against the original loan terms. 

The eStatements from the previous month do indeed say something about no fee from auto draft, and " Up to XXXX for online payment '', whereas my loan does not differentiate between the two. 

They are intentionally violating the terms of my loan by these changes, and did not send out any warning or notice of change, nor did I agree to any change as stated.
Consumer complaint received 2022-12-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

This complaint is related to a previous complaint # XXXX filed on XXXX against Experian credit report. The response from experian Was Not Transparent, was inaccurate and a complete lie from the facts, evidence supporting this complaint. Experians response that the soft inquiry as to Court that does appear and ran on my experian credit report on dates, XX/XX/2021 / XX/XX/2021 and XXXX with copy of attached from experian credit site is proof of soft inquiry into my personal credit report was made on ( 3 ) three different dates as seen. Experian, responding by this information does not appear on their site is a lie and experian is providing a false and untrue statement to a government agency. This is a crime and a violation of the consumer protection laws. Such factual information as to the report is, Experians own site report # XXXX dated XX/XX/2021 for XXXX XXXX XXXX XXXX is Proof of such information being provided to Court as a soft inquiry three times. Im asking this agency for transparency and accountability for Experian to release the request information as to Who Court is, the location, address, phone affiliation and any/all information regarding this entity Court in name only on my credit report be released to me immediately
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Webcollex, LLC (PA)

CKS FINANCIAL TOLD ME IN WRITING THAT IF I PAID THE FULL BALANCE OF XXXX THEY'LL DELETE IT OFF MY XXXX AND XXXX CREDIT PROFILE. A MONTH LATER THEY UPDATED IT AS " PAID IN FULL '' AND NOT DELETED AS PROMISED. AFTER A BUNCH OF PHONE CALLS AND LETTERS TO XXXX AND XXXX  XXXX  FINALLY AGREED TO DELETE IT. XXXX  HASN'T DELETED IT YET. A MONTH LATER CKS FINANCIAL WENT AHEAD AND ADDED THE PAID COLLECTION ON MY XXXX REPORT. THEY DID THIS A MONTH LATER AFTER THE COLLECTION WAS PAID IN FULL AND AFTER THEY ONLY ADDED IT TO TXXXX AND XXXX A MONTH PRIOR.
Consumer complaint received 2020-05-15
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: Nelnet, Inc. (CA)

Unfortunately my identity was stolen I need help one bureau, XXXX  has saw fit to delete the derogatory information from nelnet. But XXXX & XXXX  are giving me a hard time I'm a XXXX single mother of XXXX, I dont even have a XXXX. Below is the information & proof of who stole my identity & almost got me pur in jail, XXXX XXXX was my Care taker. Until she broke into my house & stolen my rent money, & now I'm almost homeless. Please help my family!
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (MN)

This car was declared a charge off but I never got any documents. 
Under the laws of the State of Minnesota UCC UCC Article 6 :336.9-608,336.9-615,336.9-616, Subpart. noncompliance with article 336.9-626 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I am requesting but until today I dont have any documentation any paper for how much was sold the car, but they still reporting a information is unverifiable, I sent just this year 3 letters I understand everything is slow, but this is completely unacceptable.XXXX, XX/XX/21 and no answer
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (RI)

I received a Synchrony Home Credit Card for furniture purchases I made at XXXX XXXX XXXX a couple of years ago. I have been making steady ( automatic ) payments of $ XXXX/mo since that purchase ( my principal balance is down close to {$1000.00} ). In XXXX of XXXX, my payment apparently arrived 2 days late ( due XX/XX/XXXX, credited to my account on XX/XX/XXXX ). XX/XX/XXXX was a holiday. I was charged a {$29.00} fee ... which was later credited back to me. 

In XXXX of XXXX, my payment apparently arrived 1 day late ( due XX/XX/XXXX, credited to my account on XX/XX/XXXX ). I was assessed a {$40.00} late fee. I don't believe I was made aware of this late fee. This changed my minimum payment due to {$130.00} ( $ XXXX {$40.00} ). 

In XXXX of XXXX, I made my standard payment of {$93.00} on time ( credited to my account on XX/XX/XXXX ). Because I didn't pay the full {$130.00}, I was assessed another {$40.00} fee + {$2.00} interest. This has changed my minimum payment due in XXXX to {$170.00} ( $ XXXX $ XXXX $ XXXX {$2.00} ). I happened to notice this pattern recently. I called Synchrony Home this week ( on XX/XX/XXXX ) and was told that because I had been credited the {$29.00} fee in XXXX, there was nothing that could be done. 

I don't believe it is fair to continue to charge {$40.00} late fees every month, and now interest, when I am making the payment that I believe I owe. I am now being held hostage by Synchrony Home in that if I don't pay {$170.00}, I will be charged another {$40.00} late fee. 

Please help me!
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

This creditor is attempting to illegally reage this account. Last payment shows made XX/XX/XXXX, this false. 

One Account Shows past due amount of {$1900.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. 

Second Account Shows past due amount of {$1600.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. 

Third Account Shows past due amount of {$1900.00} on a charged off account, closed date says XX/XX/XXXX, last payment XX/XX/XXXX. 

All of this information is false. 
No 2yr payment history is reported on XXXX so how was this account legally verifed as accurate?
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-04-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

Equifax will not respond to inquiries about accounts and information incorrectly included my credit report. I attempted to contact them via their online dispute resolution process on XX/XX/XXXX. They did not respond. I then contacted them again via telephone and their email dispute resolution process on XX/XX/XXXX. Still they would not respond. I have contacted Equifax on two more  occasions -- XXXX XXXX and, finally, on XX/XX/XXXX -- via regular mail, and I included copies of my online and email disputes, and they have still not responded to my inquiries and disputes. In the meantime, I have been refused housing and other opportunities because of the incorrect information contained in my credit report.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I received a loan from XXXX XXXX XXXX. I was in an accident where my car was totaled by a drunk driver. the total amount owed on my loan was {$11000.00} ( i have submitted my loan paperwork from XXXX XXXX XXXX ). XXXX paid {$9000.00}, GAP insurance paid {$1600.00}. The taxes remaining on my loan was {$570.00}. XXXX XXXX XXXX is reporting that I owe {$2900.00}. The only amount I owe are the taxing remaining of {$570.00}. 

loan:XXXX ( PAID ) Geico:XXXX ( PAID ) GAP:XXXX ( PAID ) Taxes:XXXX ( UNPAID )
Consumer complaint received 2020-10-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

Loan Number : XXXX Address of the property XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX It has been more than 5 months waiting for the short sale to be approved. Very frustrated Mr. Cooper various requested for the same documents that I already made. I want mr. cooper approves my short sale and move forwards. Stop requesting veriouse documetns while i have already submited. I think short sale fraud/scam involves. Mr. Cooper do not approve short sales for a reason. I will wait and see who Mr. Cooper wants to sell this home to. The buyer will not let Mr. Coooper gets a way with murder. I smell like a lawsuite APPROVE my short sales please, APPROVE my short sales please, APPROVE my short sale please.
Consumer complaint received 2018-07-13
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Family suffered complete loss of home. Insurance sent check which was made out to myself and Well Fargo. We had a home equity loan which had to be paid off, that was why it was made out to both. Sent check to Wells Fargo to have them payoff loan in mid XXXX, haven't seen check since. {$400000.00}.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (FL)

I opened a rewards checking account using the promo code XXXX in XXXX. I fulfilled the terms of the promo in XXXX. 

I have not received the {$300.00}. I messaged the company 1 week ago and according to their website a case hasn't even been opened - more than 5 business days later.
Consumer complaint received 2020-11-17
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: EQUIFAX, INC. (WI)

XXXX  and Equifax still have not deleted my public report that is fraud and not mine. As you can see, XXXX  deleted this as I provided them information that this is NOT mine. 
XXXX  and Equifax continue to say its " verified '' so I sent a MOV letter but they have provided no documentation besides that it was verified. 

XXXX and Equifax need to delete this as this is NOT mine and XXXX  does not have this on my credit report as its not mine.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.
Consumer complaint received 2021-02-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Loan Number : XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX. XXXX XXXX XXXX, Texas XXXX RE : Notice of Error for Outstanding Mortgage Balance for XXXX XXXX XXXX # XXXX Dear XXXX XXXX Customer Service Research : XXXX XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but XXXX XXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. 

XXXX XXXX has ignored this Notice of Error caused by them since 2015. 

Because XXXX XXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. 

XXXX XXXX has caused my credit score to decline from XXXX to now XXXX ( XXXX ) and XXXX ( XXXX ). 

XXXX XXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. 

OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ). 

XXXX XXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. 

Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. 

Duplicate tax and insurance payments were made by XXXX XXXX/XXXX/XXXX from 2015 to present ( for which they were refunded ). 

Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). 
Tax payments refunded to XXXX XXXX/XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, XXXX XXXX must correct this error or XXXX XXXX will contact New York State XXXX  XXXX XXXX XXXX at XXXX and at XXXX. 

As required by law, XXXX XXXX must provide a written respond to this Notice of Error within 30 days. 

All taxes and insurance has been paid by XXXX XXXX since the loan inception. 

XXXX XXXX has been refunded for all taxes that it has paid in duplicate since 2015. XXXX XXXX has never made insurance payment for Loan # XXXX. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-22
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: EQUIFAX, INC. (CA)

I just sat on hold for 2 hours and 6 minutes trying to reach the office of Consumer Affairs in XXXX GA. Unfortunately Equifax has continued to discriminate me and the handling of my file. The agent by the name of XXXX employee ID : XXXX said that after waiting patiently on hold that I would have to get a call back from the OCA after waiting 2 hours and 6 minutes. 

She also indicated she didn't know when someone would call back that I should receive a call back within a week.
Consumer complaint received 2020-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I entered my new bank routing number and bank account number in PayPal wallet, but PayPal asked for my social security number, a Cell Phone Number, and refuse to give me my money. Even thou I was signed into my PayPal Account and PayPal therefore knew who I was they said they had to verify who I wa ; asking for the Password to my Bank Account. I called PayPal at the number they told me to a XXXX and could not get a human being. The computer PayPal voice kept explaining how to set up a bank account in PayPal and I could not get thru to PayPal that they were not accepting my data entered and froze me out. 
PayPal set up a system of false lies and froze me out. I am unable to get my money needed.