davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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. (LA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 an account without my written instructions.
Consumer complaint received 2022-07-03
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

My home at XXXX XXXX XXXX XXXX wachee XXXX was stolen from me in a foreclosure XX/XX/XXXX In XXXX my husband got laid off after the bo. Oil spill so I called wells fargo to apply for a hamp modification. I was told I had to be in default before I could apply. Not wanting to lose my house I continue to pay during that time and it placed in a special account (. Never saw that money again ). Finally at the 3 month they key me apply. My documents for the application were lost although not faxed sent in a XXXX XXXX mailer. Then I received a letter in the mail that I was being foreclosed on. XX/XX/XXXX I was served. ( you have 20 days and I XX/XX/XXXX no lawyer is in their office. Thank XXXX I already had a lawyer we were waiting on me getting served. So I called and the next day we signed on the dotted line and retained a lawyer. 
On XX/XX/XXXX my XXXX case was dismissed with prejudice because wells fargo failed to produce discovery. 
I was served again XX/XX/XXXX ( this time close to XXXX they just love that ) We hired my attorney again. This time I did a deposition, still no discovery but nationstar takes over in XXXX. They offered me a predatory modification I paid months before I learned it was predatory and refused that. Then. XX/XX/XXXX was a set trial by XXXX XXXX judges. The judge sent out a letter wanting to know what everyone was presenting at trial since there was no discovery. XXXX answers ( and its on my XXXX ) they do not have any original documentation so the trial was continued. In XXXX note # XXXX vtrmg mortgage asset trust took over. My original lawyer was disbarred and vtrmg kept calling instead of calling my new lawyer. So my new lawyer started a lawsuit with them for calling me at work. At trial for XX/XX/XXXX. No discovery, no letter from XXXX. The new lawyer i highered stated if we go to trial we will lose!! With no discovery I was forced into a settlement the night before trial. Then I didn't sign for a month When I finally received it a month later which included the dismissal of the other lawsuit we didn't discuss that. All fraud!!!! 
They stole my house XX/XX/XXXX. 
Then to top it off they filed a lost note affidavit the day of trial after I was forced into your settlement. Then they paid XXXX $ at an auction for house that way in my name!!! A XXXX $!!!! If they owned the house now are they buying it for XXXX $ why was i not emailed to buy my own house for XXXX XXXX 
Then the news about the wells fargo settlement https : XXXX? XXXX & XXXX How do I become pay off this settlement and get my money for being a victim of XXXX XXXX I am a Florida XXXX of 36 years Am homeowner in florida since XXXX to go through this horror is rediculous Please help. At XXXX my home equity is fine stolen. My investment gone. I think this was all fraud.
Consumer complaint received 2022-07-02
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. (SC)

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 the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (TX)

On XX/XX/2022, I sent {$1000.00} to Xe.com for their service to wire this {$1000.00} to my bank account in XXXX XXXX. 
On XX/XX/2022, my foreign bank account showed I had not received this amount of wire. So, I reached out to Xe 's customer service. They told me they would reach out to their branch in that country and check the transaction details. 
On XX/XX/2022, I called Xe 's customer service again, and they told me they were still waiting for a response from their branch in that country. 
On XX/XX/2022, they have not wired to my foreign bank account. So, I called Xe 's customer service. This time they said they would not do anything until they heard from their foreign branch, and they will not refund my money. During the phone call, I requested to connect to a supervisor, and they intentionally kept me waiting for about XXXX mins. So, I hang off without speaking to a supervisor.
Consumer complaint received 2022-04-25
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account 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. 

2.

In accordance with the Fair Credit Reporting act XXXX Account 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. 

In accordance with the Fair Credit Reporting act XXXX Account 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.

In accordance with the Fair Credit Reporting act XXXX  Account 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.
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

Fay Services is going against the mortgage terms that I signed and has been collecting escrow and not paying it for homeowners insurance or taxes. In my loan terms both are supposed to be escrowed. I called them numerous times and have not gotten a resolution. 

Fay Services is supposed to escrow for both taxes and insurances for my account. They have been taking money out of my account for escrow and not paying my insurance or taxes. After a long battle with Fay Services they sent me a check for my homeowners insurance. At first they said my account has only been escrowed for taxes and that's why insurance is not being paid. Now they are saying my account is set up for insurance but not set up to escrow taxes. According to my closing documents and the people serviced my loan before them my account is supposed to be setup to escrow both INSURANCE AND TAXES. They are illegally not following the rules of the closing documents which states that escrow be collected for BOTH HOMEOWNERS INSRUANCE AND TAXES. This company has not followed the rules of the closing documents and are choosing to break the law. I've asked them to review the documents and update the account and do an escrow analysis a lot of times but they refuse to do that and instead make excuses and lie and say the account has not been setup for escrow. Instead of reviewing the closing documents that I signed and setting up the account correctly By law they are not allowed to setup the account the way that they choose to, they have to follow the documents that I signed.
Consumer complaint received 2022-12-02
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance : {$9600.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX A XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (PA)

Equifax data breech victim and fighting to have negative items removed. Please hold XXXX, equifax and XXXX responsible to remove fraud information. The below accounts must be removed by all agencies. 
XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2022-07-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (ID)

Hello my name is XXXX XXXX with a false mark on mine and my sons credit report! In XX/XX/XXXX, I co-signed for a truck loan ( XXXX XXXX XXXX low miles, very clean for {$11000.00} at 19 % interest, for 48 months, at XXXX a month ). He paid on it for a year and he unfortunately got XXXX and it disabled hi for continuing paying Westlake Financial Services Inc . He tried to work with them and they never let me know and they came and repossessed it. They sold it at auction and sent me a paper, not a bill of sale. There was know information about the sale - how much, where, when and who. the have there own auction company through Westlake. They indicated it sold for {$1100.00} but hard to believe with out proof that we still owe {$11000.00}. This seems to be very bad and fraudulent business habits. Can you please look this over seems to be illegal? Thanks!
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Credit Karma (TX)

Well the problem is I don't have access to that account anymore more because I don't have that phone number anymore and I don't remember my password. And I gave them all the information they needed like social and addresses like that.The main thing I am asking them for is another credit karma card so that I can pull my money off of it
Consumer complaint received 2022-06-04
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. (TX)

I have recently disputed an item I feel is inaccurate or does not belong to me. Some items are reporting as duplicate accounts and the credit bureaus refuse to investigate my account in dispute. XX/XX/XXXX with XXXX, XX/XX/XXXX as well.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC ()

My problems are with the servicing company : A ) They never respond to my e mails B ) I can not log in to their portal to see my account activity and they don't help me C ) They hold in Escrow a high sum D ) they collect from me funds to cover Property taxes and Home insurance, but they never report to me what and when they made any payment and I may double pay E ) I tried calling them, it is an international call and I have to wait very long until a human voice actually answers, but they cant answer my questions anyway and nobody follows up to get my problems solved.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NH)

This complaint was already file by my husband, an authorized user on this card ( complaint # XXXX ) but it was rejected because he was not the primary cardholder. I am therefore filing it again as the primary holder of this card. 

The payment app/process does NOT allow paying an amount exceeding the balance due ; this results in the consumer paying excessive interest charges. For example in XXXX a consumer has a bill for {$5000.00} and pays only {$3000.00}, in XXXX the consumer has a bill for new charges of XXXX plus the remaining/unpaid XXXX plus interest charges. The interest charges accrue until the balance is XXXX. The consumer is only allowed to enter the current balance by the credit card payment app so before the payment is processed by the credit card company any new charges will be subject to interest charges ( as the balance will remain above XXXX ) ; the processing of payments is controlled by the credit card company resulting in the consumer continuing to pay interest charges.
Consumer complaint received 2022-06-07
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: BARCLAYS BANK DELAWARE (FL)

Received notification on XX/XX/2022 from my credit report monitoring servicing advising that Barclays Bank Delaware had done a Hard Inquiry on my credit. This inquiry was done on XX/XX/2022. I reached out to XXXX to dispute... They instructed me to complete an Identity Theft Report and also placed a Fraud Alert on my three credit files.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OR)

To Whom it May Concern : I have a PayPal account and a PayPal credit card through Synchrony Bank. On XX/XX/22 I made a purchase for {$6100.00} for my daughters braces to XXXX XXXXXXXX XXXX. The payment went through and my credit card was changed that amount. I have never had a balance that high so I wanted to immediately pay it off as I always do anyway. I have never been late for one payment and I usually pay my bill multiple times a month to keep my balance down. I submitted a payment late Thursday night XX/XX/22 on the webside and there was a message that the transaction failed and to try again later. So I immediately tried again to submit the payment but it failed again so I decided I would try the next day. The next morning on XX/XX/22 I had an email from paypal that the payment went through but there was 2 emails and the payment went through 2 times. I called the credit card that day and said they had made a mistake and processed my payment 2 times. They said there was nothing they could do to stop the payment from being processed through my bank account. They recommended if I didn't want over XXXX being taken from my bank account I could call my bank and do a stop payment to avoid the withdrawl. The other option was to have it processed then have the credit company issue a check in 15 business days for the mistake. Since they recommended the option of doing a stop payment I chose that because I did not want my bank account drained. I called my bank, XXXX and they stopped the payment, they could not stop just one they had to stop both payments. After that Paypal cancelled my bank account as a payment option because the payment did not go through. I called paypal and explained the situation and added my bank account again and made the payment on XX/XX/22. This was after trying to go online and pay and the payment and it was rejected because I didn't realize they took my bank account off the payment option. I also tried to by gas and my card was rejected. I called back and found out that Synchrony closed my account and didn't even tell me. I feel I did nothing wrong. I paid all my bills on time and just followed the advice of the customer service rep that day to put a stop hold on the payment so my bank account did not get drained 2x the amount I actually owed. I did call and complain and asked them to review my records and reopen my account but they still denied me and closed my account. This is an injustice to me. Please help me resolve this issue. I am hoping this does not damage my credit score. I applied for another credit card with XXXX XXXX and I was denied on XX/XX/22. This is very upsetting. Thank you for your time. 
XXXX
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (CA)

The company self inc is reporting different payment history to all three credit bureaus which is negatively affecting my credit score. On XXXX theyre reporting that I was late for XXXX and XXXX of 2022 but yet for XXXX they reported that I was late for XXXX of 2022 but on time for XXXX of 2022. As for XXXX they did not report any payments for XXXX or XXXX. This has greatly affected my score and prevented me from residences to apply for.
Consumer complaint received 2022-09-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

I have a loan with Fay Servicing, XXXX XXXX. XXXX XXXX XXXX, XXXX TX is one of the properties on that loan. Fay Servicing is supposed to pay the insurance policies for the property out of escrow. 

Earlier this year, they paid for the insurance policy on XXXX XXXX out of escrow. The following month on XX/XX/2022 they claimed that there was no insurance policy on the property and the purchased a second policy for the property, paying XXXX out the escrow account for a second policy. I contacted them several times and emailed copies of the insurance policy in effect and uploaded copies of the insurance policy to their website. I asked that they cancel the second policy and refund the money. 

I called them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I uploaded documents XX/XX/XXXX and emailed them on XX/XX/XXXX as well.
Consumer complaint received 2022-06-25
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. (FL)

In accordance with The Fair Credit Reporting Act ( FCRA ), the following has violated my rights : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name ; XXXX  Account Number : XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-02-16
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: SYNCHRONY FINANCIAL (IN)

I was alerted on XX/XX/XXXX of a hard credit inquiry on the same date with XXXX  for a Synchrony XXXX card. I have applied for no credit in any form so far in 2019. I had a similar unauthorized credit inquiry on my XXXX  report from XXXX and they were able to identify the app, shut it down, and remove the credit inquiry immediately. 

Synchrony on the other hand is unable to find anything on their end, or any reason to justify why they pulled my credit. Multiple call attempts and transfers to different departments have resulted in no resolution.