davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: State Home Mortgage (GA)

I have a good solid contract and the buyer has already been pre-approved for the loan. The bank will not consider the short sale. Also, when I phoned the bank regarding foreclosure alternatives, it was relayed to me that my only recourse was to do a short sale. No one ever informed me about being able to apply for a loan modification. 
I had to go to an outside source to learn about this particular foreclosure alternative. I am trying my hardest to get this done. At this point I am desperate for assistance and I am reaching out to you as a consumer for help. I feel as if the lender and/or their representative did not do what the government says, which is provide alternatives to me as a homeowner.
Consumer complaint received 2020-04-17
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS TWO LATE PAYMENTS ON MY XXXX XXXX AUTO LOAN ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2023-03-28
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)

The following accounts are INVALID and must be REMOVED from my credit report immediately : 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 XXXXXXXX ; These accounts are showing invalid information on my credit report. If you review the type of account, the date of last reporting, the legend of showing its CO on experian but NOT reporting on XXXX or equifax, and is outdated. The account has different addresses in which I have NEVER lived. According to 15 USC 1681 s-2 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 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 The credit bureaus have NO respect for the law Someone needs to hold them accountable for this The credit bureaus keep them disrespecting laws. I showed them multiple times of how they are violating laws are violating the fair credit reporting act. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete the accounts that are NOT reporting correctly According to 15 USC 1681b ( 1 ) the credit bureaus dont have NO written permission 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 regarding the information relating to a 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 about this Someone needs to hold them accountable for this.
Consumer complaint received 2022-11-18
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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
Consumer complaint received 2016-12-12
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Rushmore Financial has continued to contact me on my cell and my employer releasing personal information. Not verifying employment. They have threatened to garnish wages as well as serve me documents to my job. I 've already contacted the company and just hung up on or told this is legal. I know it 's not and they have shared information with my HR department. I 'm not sure what else to do.
Consumer complaint received 2022-11-18
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. (CT)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

XXXXXXXX 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
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: AppFolio, Inc. (MS)

The company denied me an apartment rental. XXXX score from XXXX XXXX was used to decide on approval. I have no evictions in my credit history and have never been denied an apartment or home ; informed by creditors in the past that XXXX XXXX credit scores are not considered as being a legitimate credit scores due to incorrect credit score reporting. I have always had my approval based on XXXX credit scores.
Consumer complaint received 2020-08-18
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: WELLS FARGO & COMPANY (NY)

I have recently obtained a copy of my XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609,  physical signature. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2022-08-17
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (IN)

Our furnace went out and XXXX company approved us over the telephone for a Wells Fargo credit card. They fixed furnace and the we paid more than the minimum each month and when the balance was down to about {$1300.00} they charged us {$1000.00} in interest. They claim it was a " deal '' they offered of XXXX no interest if paid in full. Even though the balance was {$1300.00} at end of 12 mos they charged over 28 % interest on the highest daily balance. We were never told this by Wells Fargo or the XXXX XXXX. We asked Wells Fargo to remove the interest charge and we 'd pay off the balance. They said no and so sorry. This is predatory lending at it minimum and outright fraud.
Consumer complaint received 2016-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

I was doing closing to buy our new house and then we could not close the deal since my sister debts showing under my credit and according to debt to income I lost my deposit for this new house and I could not buy the house, I tried to call Equifax more than 4 times, first time they gave me a fax number and told to wait 48 hours I called them after they said that was not the right number and that means my personal information went somewhere else God knows. Than I faxed twice with complete status of sent and then called them again they said never received any fax or documents. So I`m about to sue them and bring to court, First of all they mess up my credit score and history and not trying to fix it. the other credit card bureau are correct so I complaining about huge mistake and they have to pay for it AND THE DAMEGES I HAD BECAUSE OF THEM.
Consumer complaint received 2022-11-18
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. (DE)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complainant XXXX XXXX XXXX XXXX XXXX. ( XXXX ) hereby files the following Dispute objecting to the inclusion in his personal consumer credit reports the following information that is inaccurate as described below. Despite an investigation by Equifax, XXXX XXXX Bank ( XXXX XXXX ), purportedly " verified '' the disputed information. Some changes were made to XXXX  's personal credit report as a result of the Equifax Dispute, however, XXXX XXXX, despite being advised by XXXX of the inaccurate information continues to report false and inaccurate information. 

XXXX XXXX Bank 's own Online Statement of Account ( SOA ) unequivocally proves that XXXX XXXX did not accurately report to Equifax, or the other CRAs, the information contained in XXXX XXXX 's online SOA. 

This is the disputed information that XXXX XXXX reported to Equifax yesterday, XX/XX/2022. 

1. XXXX  XXXX Bank reports that as of XX/XX/2022, XXXX  has an outstanding balance of {$94.00} when the SOA proves that XXXX  has a balance of ( - {$1.00} ). According to XXXX XXXX 's own information, XXXX XXXX owes money to XXXX, and XXXX XXXX Bank knew this when it reported to the CRAs that XXXX  owed {$94.00} to XXXX XXXX. 

2. From information provided to the CRAs in prior updates, XXXX XXXX never reported that XXXX  was past due. XXXX  makes it a pattern and practice to pay off accounts within 60 days. However, XXXX XXXX falsely reports that XXXX was past due for 30 days in the amount of {$46.00}. 

First, XXXX  never owed XXXX XXXX a debt of {$46.00}, as evidenced by information reported by XXXX Bank to the three national CRAs. Additionally, XXXX XXXX Bank 's Statement of Account proves that XXXX XXXX Bank failed to report that XXXX  made a payment of {$29.00} to XXXX XXXX Bank on XX/XX/2022. In addition, XXXX XXXX Bank never credited XXXX  's account for the payment of {$29.00}. XXXX XXXX also did not report this payment to the three CRAs, including Equifax. 

XXXX XXXX continues to report that this is an open account. However, because of XXXX  XXXX 's pattern and practices, such as those represented herein, when XXXX  made the payment of {$29.00} to XXXX XXXX, he told XXXX XXXX  that he wished to close his account. This telephone conversation was recorded by XXXX XXXX. XXXX  wished to record his conversation with XXXX XXXX, however, XXXX XXXX refused to authorize being recorded -- even though XXXX XXXX acknowledged that it was recording the conversation.
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Vehicle Solutions Corp (NY)

I purchased a vehicle via a dealership called XXXX in XXXX XXXX Florida. After four months of non registration of the vehicle, a time when payments and insurance was paid for, I filed a complaint with the XXXX in Florida. Multiple violations were found including the lack of payoff of a previous loan on said car. After a year of paying payments, repairs and insurance on this car, I returned it to the dealer as it was not able to legally sell it to me. Let alone carry a lien on it. this was almost three years ago. The finance company vehicle finance solutions out of XXXX XXXX Florida is not only grossly inaccurately reporting on my credit report which is affecting my life in horrific ways, both the balance is incredibly incorrect as well as the fact that they show the loan open which I can almost guarantee that is not true. This is effectively ruining my life and after multiple attempts to dispute via credit complaints that are still unresolved I dont know what my other options are anymore.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2022, I got a new job as a XXXX with a XXXX  XXXX  in XXXX XXXX, California. I had to relocate. On XX/XX/2022 I found a house I liked in a post of the XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After several messages I connected with XXXX XXXX on XXXX after reviewing his profile and noticing endorsements and work connections to verify his identity. Convinced I was renting a home, XXXX had me fill out a rental application. And then instructed me to make the direct deposits for first months rent and the rental deposit of {$6700.00}. On XX/XX/XXXX, XXXX and XXXX 2022, I transfered a total amount of {$6700.00} through my XXXX XXXX bank and XXXX XXXX  with Zelle and XXXX XXXX. I receiced a receipt for my payment. 

On XX/XX/2022, I flew to XXXX XXXX, California to relocate to my new rental home and start my new job. When I called the rental agent for the home I paid first months rent and deposit of {$6700.00}. XXXX XXXX ignored my calls and disappeared. After numerous attempts at calling the realtor, I came to and realized that I was tricked into committing a financial error by making a direct deposit to someone who tricked me under false and fraudulent pretenses. My family and I experienced additional financial challenges after having our money stolen as we had to pay for a hotel unexpectedly, as we traveled with our XXXX baby.
Consumer complaint received 2022-11-05
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: Affirm Holdings, Inc (DC)

I got multiple emails from Affirm saying thanks for applying for credit or things along those lines. They improperly inquired upon my credit report without a legal cause or my authorization and should be investigated for such.
Consumer complaint received 2022-01-24
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)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Grain Technology, Inc. (CA)

I have been having issues accessing my Grain account since XX/XX/XXXX through the app. The app sent me a payment link to access which just loads to a blank page. I contacted Grain since this issue made me miss the payment due on XX/XX/XXXX. I didnt panic since this was the first time I would miss it and I would think that they would also waive any late fee considering it was an issue with their system and I wouldnt have any issues after contacting them. Contacted them on XX/XX/XXXX, didnt receive a response until XX/XX/XXXX and they still didnt resolve the issue. The representative sent me a new payment link on XX/XX/XXXX and wanted a screenshot of the issue Im having with the previous payment link, but because he issued a new payment link, the previous link now shows as expired. Throughout this whole process, I was also receiving conflicting emails from Grain. One email showed my account was past due more than 60 days and another showing I was only past due for XXXX weeks. It should only be XXXX weeks since it stated my payment due was {$52.00} and it was due on XX/XX/XXXX. The representative told me they couldnt waive any late fees until I can access my account. Weird since they shouldnt have any issues accessing my account and its an issue with their system so they should waive it automatically. Made a payment of {$60.00} thinking I was making a payment more than the minimum due. The representative then sent me an updated statement on XX/XX/XXXX and it showed a completely different information compared to the emails I was receiving from Grain. Then I get an alert on my credit report that they had reported my payment late. I asked the representative if there is any way this can be waived since this whole process has been confusing and difficult and he just replies that the late payment mark is valid. How can it be valid when it took a long time for customer service to respond and I was not given the correct statement until AFTER the next payment due date?
Consumer complaint received 2022-11-18
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. (TX)

Accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX