davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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: HYUNDAI CAPITAL AMERICA (GA)

XX/XX/22 I visited the XXXX car lot to lease a car, my mom was my co-signer. My mom and I ask the consumers not run our credit more than 3 times, ( We would goes elsewhere to lease an car ) if not approved. I wasnt approved with XXXX, a salesman referred me to another car lot by the name of XXXX. I applied with XXXX with my co-signer, my mom asked them not to run our credit more than 3 times. XXXX ran my credit XXXX times. Ive spoken to company, I was told I would have to dispute/take matters in my own hands. XXXX ran my credit XXXX times
Consumer complaint received 2022-10-21
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc (IL)

Today I applied for a reapproval for Affirm and was denied due to them telling me that they can't identify my identity with XXXX. That's strange, because every time I try to apply for an account with them I get this same message. I think this bank discriminate against applicants that have a credit freeze on their credit and keep in mind that's in place to protect them. I was a victim of identity theft is the reason for the freeze. 

Mind you prior to applying I removed the freeze off of my credit report. Screenshots are attached. Normally if a freeze is on an applicant 's bureau the creditor would reach out to request it to be remove in order to process the application, but not affirm this is a bias bank and I want them to run the credit as the credit bureau is unfroze. 

Any questions I can be reached at XXXX
Consumer complaint received 2022-04-06
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. (DC)

I am submitting this complaint against Equifax, there is no third party involved. 
Equifax is reporting multiple inaccuracies on my consumer report. My personal information My name is spelled incorrectly. ( Exhibits provided ) My address is inaccurate. ( Exhibits provided ) The employment section is inaccurate. 
The name on my ID and social security card are how my name should be spelled. The address on my ID is my ONLY address. Pursuant 15 usc 1681b I have contacted Equifax multiple times with written instructions to delete accounts XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX ( exhibit provided ) they have ignored and refused to comply At this time, I DEMAND EQUIFAX TO CORRECT THE INACCURATE PERSON INFORMATION AND DELETE THE REQUESTED ACCOUNTS WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME SIGNIFICANT DAMAGES INCLUDING OBTAINING HOUSING, GOODS, TRANSPORTATION AND MORE. EQUIFAX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply with my written instructions Pursuant 15 usc 1681b Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Consumer complaint received 2022-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Dividend Finance Inc. (GA)

This company as the financial arm in partnerships with both XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, sold us a product using a deceptive contract and false promises. They ( together ) approved a significantly large loan in relationship to our debt-to-income ratio. Dividend Financial is an affiliate of XXXX XXXX XXXX XXXX XXXX. 

After the sale, the product ( solar panels ) does not meet the expectations as agreed upon during the sales meeting. The solar company 's person facilitated the loan with XXXX. 

They used electronic paperwork so finding the small details related to the loan was impossible. 

For example, I can not stop payments from being withdrawn from my account. 

They said they finance the equipment, not the solar power, the system is the collateral. 

Offered XXXX deferment but with interest accruing. They didn't mention that when they say they are trying to " help '' Taking advantage of middle-income XXXX veteran and retired XXXX veteran.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TN)

Apartment complex falsified a debt, claiming broken down unit that they never fixed for the XXXX XXXX  l lived in that unit. 
XXXX XXXX XXXX the office collected my deposit on the XXXX day, refused to show me the unit l will be renting, instead they took me to a model unit that was in perfect condition. They claimed that the unit l will be renting is still be cleaned. When they finally gave me the key to the unit l will be getting, it was no where close to the model unit they took me to. When l complained to the XXXX she said l will not get my deposit back if l don't take the unit they are giving me. Been that l was almost XXXX XXXX XXXX with a then XXXX XXXX XXXX daughter, and the thought of losing my hard earned deposit, l took what l was provided with. The management never changed anything in the unit for the XXXX XXXX that we lived there. 
Now l broke my lease because the living condition has become unbearable with mold and roaches in the unit ; and they withheld my deposit of {$1100.00}, reported me to collection agency, that l owe them {$2000.00}, even after keeping my deposit of {$1100.00}.
Consumer complaint received 2016-05-11
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

Ebay incorrectly thought there was " unauthorized use of " my '' account '' They wanted me to change all private information. They said they were going to remove all listing ( attached ) .some items were already sold and paid for. I called and told them there was not a problem. do not delist items. The next day I relisted items. They delisted those new items as well. The end result was that Ebay asked payPa for Money Matching the items sold. Paypal Gave them the money. They said they had to and neither company wants to refund money.l
Consumer complaint received 2022-10-21
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: JPMORGAN CHASE & CO. (IA)

Chase is telling XXXX the account was closed on XX/XX/XXXX but telling XXXX it was closed on XX/XX/XXXX. Chase is reporting to XXXX that I made payment in XXXX, XXXX, and XXXX of XXXX and then says I was 60 days late in XXXX. How did Chase close my account on 2 separate days? How can I make payment 3 straight months and then the following month be 60 days late?
Consumer complaint received 2022-10-21
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: Marlette Funding, LLC (GA)

XX/XX/22 I filed a complaint to XXXX XXXX on some hard inquiries that were not authorized by me nor did I apply for any loan thru Marlette Funding LLC. XXXX XXXX XXXX that Marlette Funding LLc was removed from my consumer report dated XX/XX/22. 
I have enclosed the document stating this fact. 

I filed a complaint on XXXX to investigate on XX/XX/22 about these hard inquiries only to be sent a report on XX/XX/22 stating that their investigation was complete and they updated the information on my credit file and not deleting them. The XXXX report disputing the inquiries was not investigated properly and they also received the document from XXXX XXXX about the removal of the company. 
I have enclosed a copy of the current credit report from XXXX showing the update and not removal. 

I am also seeing this company on my XXXX credit report. 

This Credit reports are mixed up with WHO XXXX XXXX and XXXX XXXX XXXX which they are not showing consistent accuracy. 


I am now filing a complaint on XXXX XXXX filing a complaint about these UNAUTHORIZED credit inquiries. As you can see from the documentation I have provided it is clear that my personal information has been frequently used by this company just by looking at all the dates on my XXXX report, there are XXXX repeatedly for 2 years. THIS IS EXTORTION AND ABUSE TO ME AS A CONSUMER. I want these credit inquiries removed immediately. This is unbecoming of a business and customer service. I would like verification from XXXX showing my signature to validate these credit inquiries, Especially seeing how many were on the XXXX report and the fact that XXXX XXXX REMOVED inquiry off my consumer report and XXXX continues to show inconsistency with other reports.
Consumer complaint received 2022-10-21
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)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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 2021-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY ()

My complaint is with Wells Fargo with whom I have maintained a checking account since XXXX. I opened my account in XXXX, NV. In XXXX, I moved to XXXX for further studies and informed the bank prior to my relocation -- to avoid them thinking someone else was using my ATM card. My bank card has since expired on two occasions. On the first one it was replaced without problems. The most recent expiration occurred in XXXX XXXX in the middle of the pandemic -- when international mail/travel slowed or ceased. WF mailed a replacement card which I received. I waited for the follow up mail which would have included pin, but never received it. I contacted the bank in XX/XX/XXXX, XXXX, XXXX and the last contact was on XX/XX/XXXX to try and have the bank help me obtain a pin for my new card or a replacement card, because I never received a pin that came with XXXX XXXX replacement card. The bank verified who I was over the phone by asking me my address, my username, my transactions etc. Because of my cellphone is XXXX, the verification code they send fails. But all the other forms of verifications they request I have completed and complied with. I can't access my funds to pay bills using a wells fargo card. And the bank 's only answer is " well, wait till you come back to the US and physically come to a branch '' a really unreasonable ask -- given the travel bans or even the unreasonableness of what I have to do just to get a pin sent to the address I have on file.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (NC)

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 comenitycapitalbank/acad {$480.00}
Consumer complaint received 2022-10-21
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. (MA)

contacted said company several times to resolve this matter but they are refusing to assist me & are being extremely rude and callous to my needs. I currently have an open dialogue with the loan manager at the bank & they're still refusing to correct the information being reported to the credit bureaus.
Consumer complaint received 2022-10-21
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. (IL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. 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 2017-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

I pay all of my taxes and insurance through my US Bank Mortgage. I received notification from XXXX Country that my supplemental tax bill was delinquent. I called US Bank Mortgage to inquire about why it was delinquent. They said their tax team would investigate and they would pay for the delinquency charges. 

Two weeks later they sent me a letter saying I had to pay those supplemental taxes myself and that they had no way to know about those supplemental taxes. This is not true. They could done their due diligence and gone on the county website to find the taxes due on my home before dispersing any payment. They chose not to do this. 

When I received the letter ( XX/XX/2017 ) I called them again to reiterate my previous conversation with a Rep, XXXX, who said they would pay for the delinquency. I also called to ensure they would pay the amount due, minus the delinquency, from my escrow account. They said they would review my conversation with XXXX and get back to me with a resolution within 24-48 hours. They also stated that I needed to write a letter to have the supplemental taxes paid from my escrow account. I then wrote this letter while I waited for my account to be reviewed. In the letter, I very specifically stated that I do only authorized the payment of the base amount to come from my escrow account and not the delinquency amount. They completely disregarded my instruction and paid the delinquency from my escrow account along with the base amount. 

They also said they sent a letter when they first bought my mortgage in XX/XX/XXXX that stated I was responsible for supplemental taxes. I NEVER RECEIVED THIS LETTER! 

A week later ( XX/XX/2017 ) I still had not heard back about the call review. I called to inquire. They said they reviewed the call and that they still will not pay the delinquency and refused to give me access to the recorded call without an affidavit from a lawyer. 

Every rep at US Bank has been very difficult to deal with and no information is consistent from rep to rep. US Bank Mortgage is responsible for paying the taxes on my property as I make monthly payments into my escrow account for this purpose. Yet, they will not take responsibility for my property taxes and making sure they are paid on time. They also will not honor the words of their representatives nor do they look out for the best interest of the mortgage. They do everything they can to reduce their responsibility and put responsibility back on the customer. I am very dissatisfied with their business practices and believe them to be unlawful.
Consumer complaint received 2022-10-21
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. (GA)

This is the second complaint submitted towards XXXX XXXX XXXX. 
The creditor continues to report erroneous information on my credit file, reflecting late payments after the loan has been paid off and the account is closed. My account was paid off in XX/XX/XXXX. My credit file reflects late payments in XXXX and XXXX. 
After several attempts to verify and update the information correctly, this creditor continues to confirm the incorrect information as being valid and violating my Consumer Rights under the FCRA to have accurate information reporting to my credit file.
Consumer complaint received 2020-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

XX/XX/XXXX I was contacted by a collections agency regarding a delinquent debt with XXXX XXXX around {$110.00}. I told them I did not have any outstanding debts with XXXX and they had the wrong person. I followed up directly with XXXX XXXX, my cellphone provider, and XXXX XXXX validated that my account " has always been in good standing. '' Monday XX/XX/XXXX, at XXXX EST, I was contacted by " Jefferson Capital Systems '' headquartered in XXXX XXXX, Minnesota again on my personal cellphone number. The representatives name was XXXX and he was in calling from XXXX, XXXX. 
XXXX was collecting an outstanding debt as a result of a delinquent account held by XXXX XXXX in the amount around {$110.00}. 
I insisted that this was not my debt, stated I already told them the last representative this in XX/XX/XXXX, I had previously called XXXX to make certain my account was in good standing, and " Jefferson Capital Systems must stop calling me concerning an outstanding this debt with XXXX. '' XXXX pressed me to validate my date of birth and last four of my Social Security Numbers. I refused three times because I am not legally required tto do this, he is a stranger, and this debt collection is illegitimate & not mine. 
XXXX said he would read the last four Social Security numbers of the person responsible for the debt. 
I said that is illegal for him to do. I do not want to know their social security numbers, and I want nothing to do with this. I told him stop calling me. 
XXXX then said the only way the calling can stop is for him to read the last four social security numbers aloud to me and I had to say whether they were mine or not. If not mine, then and only then, I would stop receiving debt collection calls from " Jefferson Capital Systems concerning outstanding this debt with XXXX. '' I reluctantly agreed. XXXX  read out loud the last four Social Security Numbers. 
I stated : " No. Those are NOT my last four Social Security numbers and you must stop calling me. '' He agreed to stop calling me. I said I was reporting this to the CFPB and he said " XXXX you're taking this too far. '' Call ended. 
Phone number from : XXXX Phone callback number ( per XXXX ) : XXXX
Consumer complaint received 2022-10-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.