davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I submitted a notarized affidavit to Experian stating that the 15 accounts they had listed under my profile that were showing a 90-day late payment were invalid and I wanted to have the accounts updated. They wrote back stating the accounts were verified. I sent them my credit report from their direct site showing how my account payment status shows the accounts were on time and then one month they just show a 90-day late payment. This is against the FCRA and they are reporting inaccurate information to my credit profile. These accounts were never late and it's impossible for an account to have a positive status for one month and the next month be 90-days late. I told Experian in my dispute that I wanted a live person to review this case and that I did not consent to e-Oscar or any automated verification processes. They ignored my request and they still utilized automated verification processes. I asked them to send me the verified information they had showing the accounts were reporting accurately. They ignored this request as well. I'm filing this complaint as the company has violated FCRA 611 Subsection 7 : Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They violated FCRA 611 Subsection 5 ( A ) : In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Experian can not verify information that is clearly inaccurate. A person can not have a full payment history of on-time payments and then the very next month have 90-days late. Experian 's automated system is missing important facts about this dispute and it's causing me damages. If this matter is not resolved I will be filing a small claims suit for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (DC)

On XX/XX/ XXXX a collection was added to my credit report in the amt of {$330.00} with a collection agency EOS CA, which dropped my score 100 points. On XXXX XXXX, XXXX, I reached out to the company to see if I owe a debt and what company is saying that I do. Both representatives could not verify an account with me providing my full name and social security number. The last representative XXXX XXXX. ( she could only provide me with the last name initial ) is the individual who stated there was no account in their office.
Consumer complaint received 2020-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

XXXX XXXX and XX/XX/2019 Fed Loan marked me down as 30 days late. 
-I disputed this because I was on a deferment. Instead of fixing it, they marked me 90 days and 120 days late -I have tried disputing this since then and they DO NOT fix it. 
-I have documents on my loans that show I was on a deferment and should not have EVER been marked late. 
-This is ruining my credit and am trying to buy a house and they have dragged this on forever.
Consumer complaint received 2021-11-11
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (TX)

On the morning of XX/XX/XXXX, of XXXX I had a bicycle accident that required me visiting XXXX XXXX and XXXX XXXX in XXXX, TX. As expected there was extensive medical bills associated with my injuries. I took out a Loan at my Bank and also arranged for payment plans for the Bills that were too large to manage directly and paid the others that were smaller. I made my final payment to XXXX XX/XX/XXXX and all accounts were settled. 


However, XXXX of XXXX I noticed a massive decrease on my credit score and after doing some research I found that Capio Partners address XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX phone XXXX fax XXXX had listed a negative item on my credit. I managed to get in contact with Capio who insisted I has a balance due in relation to XXXX XXXX in XXXX, TX. Although I suspect I was paying this debt twice I paid the amount of {$320.00} on XXXX XXXX just to get the negative item removed. 

Fast forward to XX/XX/XXXX I received a letter from AssetCareLLC also in XXXX, TX stating I owe a balance to XXXXXXXX XXXX  in XXXX, TX. This time I disputed via email on Tue, XX/XX/XXXX at XXXX XXXX providing proof that I have paid the account by showing my credit card receipt with CapioPartners as the payee. 

XXXX XXXX I managed to get back in touch with Capio Partners and have retained further written proof stating " Your account identified above has been settled in full. '' in relation to XXXX XXXX. However, AssetCare LLC insists that I still owe on this account and I'm certain there is something very unethical going on between Capio Partners, AssetCareLLC and XXXX XXXX as they seems to be charging tactics to coherse people into paying off a balance multiple times. 

As of XX/XX/XXXX I signed up to XXXX XXXX XXXX to hopefully shield myself from AssetCareLLC making false claims against my credit. While I don't need or want the added expense I'm hoping they will be able to get the item removed quickly if it comes to that.
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (CA)

There is a debt that keeps being re sold and transferred to various Collection agencies from XXXX XXXX in North Carolina in the amount of {$280.00}. I Do Not owe this debt and have had it removed from my Credit report on several occasions only to be re-added by another Collection company and the time it is Bullcity Financial. 

They are claiming that I owe money from a 2018 power bill which is false because I sold my home in XXXX, NC in XX/XX/2018 and my final power bill was paid directly from the deposit of {$300.00} that the power company held since I opened that account. I had spoken to a XXXX XXXX representative about this before I sold my property and moved and it was confirmed that I owed nothing to them. 

Bullcity Financial is nearly impossible to reach as were the other companies and they are the third or fourth company whom this debt was transferred to and I need it completely removed from my credit report. I requested that they transfer it back to XXXX XXXX so I can XXXX it out with them directly since these third party collectors just buy accounts and stalk us consumers endlessly and illegally in many cases where they simply move the erroneous debt under another Collection Agency name and have it added back to my Report so we are perpetually fighting the same debt over and over until we cave in and pay them just to get rid of them. 

Please help me remove this I have been writing letters and removing myself for over 2.5 years now with no resolution. If I owed {$280.00} I would gladly pay it as I am not one to skip out on my bills or obligations but this is utter nonsense and ridiculous to keep stalking me when it has been removed from my Credit reports on several occasions. I feel what these Collection agencies do to us consumers is criminal in many cases and we need to be protected as consumers. 

I am so grateful for all of your help and thankful to have an agency like Consumer Finance around to help us in times like these.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc. (CA)

I had XXXX different hospital bills from XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX. One of them was exorbitant and did not reflect the medical service I received. I called the hospital financial services, which promised to review it. Then, I had an international summer vacation trip with my family from XX/XX/XXXX to XX/XX/XXXX. When I came back, rather than receive consolidated bills from the hospital, I found a mail from a collection agent ( CMRE Financial Services ). I made the payment on XX/XX/XXXX for the amount of {$96.00} ( Evidence : attachment 1 : payment confirmation XX/XX/XXXX. 

I was not aware of the fact that the second bill, which the hospital reviewed down to {$230.00} was already in collection without me being notified. Basically I was just targeted as delinquent, and that bill ( only {$230.00} just a penny on my finances ) already hit my credit score since XX/XX/XXXX and I never realized. So rather than send the reviewed bill amount to me, it was just sent to collection and on my credit, which had a XXXX devastating effect. I did not realize it until last week, and made the payment for the {$230.00} on XX/XX/XXXX ( Evidence : attachment 2 : payment confirmation XX/XX/XXXX ). 

I am requesting that : 1 ) Every sign of that derogatory mark got permanently removed by all credit bureaus from my credit history as if it never existed. 
2 ) Every negative impact it ever had on my credit score be corrected by all credit bureaus all the way back.
Consumer complaint received 2022-06-22
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. (CA)

I had 2 different hospital bills from XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX. One of them was exorbitant and did not reflect the medical service I received. I called the hospital financial services, which promised to review it. Then, I had an international summer vacation trip with my family from XX/XX/XXXX to XX/XX/XXXX. When I came back, rather than receive consolidated bills from the hospital, I found a mail from a collection agent ( XXXX XXXX XXXX ). I made the payment on XX/XX/XXXX for the amount of {$96.00} ( Evidence : attachment 1 : payment confirmation XX/XX/XXXX. 

I was not aware of the fact that the second bill, which the hospital reviewed down to {$230.00} was already in collection without me being notified. Basically I was just targeted as delinquent, and that bill ( only {$230.00} just a penny on my finances ) already hit my credit score since XX/XX/XXXX and I never realized. So rather than send the reviewed bill amount to me, it was just sent to collection and on my credit, which had a XXXX devastating effect. I did not realize it until last week, and made the payment for the {$230.00} on XX/XX/XXXX ( Evidence : attachment 2 : payment confirmation XX/XX/XXXX ). 

I am requesting that : 1 ) Every sign of that derogatory mark got permanently removed by all credit bureaus from my credit history as if it never existed.

2 ) Every negative impact it ever had on my credit score be corrected by all credit bureaus all the way back.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I have been in Covid forbearance for about 18 months. During this time, I was taking care of my elderly mother. She died in XXXX and I just had the funeral in XXXX. Due to all of this, I have not been working and unable to resume monthly mortgage payments. I asked Shellpoint Mortage for a modifcation ; specifically, for the lowest amount possible. Shellpoint said that I qualify for a Covid modifcation. They give me payments of about {$700.00} per month. I tell them that this is unaffordable at this point in time. I am in the process of getting re-stabilized financially and only bring in about {$800.00} per month. They said there is nothing more they can do. 

I only owe about {$37000.00} on the mortgage. The regular payments are about {$1000.00} per month. Surely they can lower the monthly payment amounts to less than {$700.00} ... at least temporarily. I have been in my home since 1998 and will be homeless if I can not work out an agreement with Shellpoint Mortgage. 

Any assistance would be greatly appreciated.
Consumer complaint received 2020-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (MD)

Hello, in XX/XX/XXXX, i purchased a used car, while sitting at the desk of the dealer was discussing details with a finance company, i notice he was kind of secretive, but could not hear what he was saying, seemed he was hiding something from me, anyway, after he got off the phone he told me he was able to get a finance company who agreed on financing me. The dealer knew Santander Consumer USA, INC was under investigation since XXXX, but i did not know, otherwise i would not have accepted the loan. In XX/XX/XXXX, i was on my computer getting ready to make a payment to Santander, the first page on their site, was shocking to me, a report from the AG of NY, had a report about fraudulent auto loans from Santander against hundreds of consumers from twelve different states, had a lawsuit of {$550.00}, XXXX, in fraud from Santander, so far they have paid out {$65.00}, millions to consumers, signed over titles of vehicles, and forgiving their loans, but Santander is still under investigation to pay out {$490.00}, XXXX, from the {$550.00}, XXXX. When i got the loan in XX/XX/XXXX, i was part of that fraud, but Santander is denying me any resolution. I had three conversations with them. What Santander has been doing is : targeting people with a fixed income, somewhat imperfect credit scores, with the idea that they would not be able to afford payments, default on the loan, and then repossess the vehicles. I would appreciate any available assistant, i am a victim of this fraud by Santander, all i was trying to do was trade my older model car, for a more reliable one. I look forward to your response. Thanks
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AZ)

I have a Comenity Capital account via XXXX & XXXX and my monthly payments are made automatically, but I occasionally make an extra payment. I have been trying to log in to make one of those extra payments for about a week, but can not access the site. I get an error message saying there is a glitch on their site, but it has been that way for at least a week. 

Occasionally I can get to a second screen, but that message is even worse because it says that my personal bank account is not linked to the Comenity account. Either that message is wrong or Comenity has severed the link themselves because I have been making automatic payments from that account for months. 

I am concerned because I can't make extra payments when I want to, because my regular payments may not be made in the future, and because this could all impact my credit score for reasons beyond my control.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CT)

I deposited a Wells Fargo check at XXXX XXXX XXXX XXXX into my checking account. It was a reimbursement for XXXX XXXX  because I paid off my car early. The check was returned to Wells Fargo. XXXX XXXX XXXX XXXX  confirmed that it was sent back. Wells Fargo claims the check was processed and not returned. I showed them proof with my XXXX XXXX XXXX bank statement. I put in a complaint with Wells. They stand by their claim that the check was processed. They stole money from me.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Technologies, Inc. (TX)

Several Items reporting inaccurately. XXXX XXXX  account paid as agreedXXXX XXXX paid as agreedSBA paid as agreedXXXX XXXX XXXX exceed the 7 year reportingXXXX  exceed 7 year reportingXXXX XXXX  exceed 7 yearsXXXX XXXX exceed 7 XXXX XXXX exceed 7XXXX account exceed 7 XXXX XXXX exceed 7
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2022 my account was charged without my authorization. A company ( that doesn't appear to exist ) XXXX states I purchased maternity clothing for {$540.00}. This is fraud for both my credit card and the fact they have my address. They used XXXX different IP addresses within XXXX minutes of each other in my general area. These are not my ip addresses and there is no way to be in XXXX and then XXXX minutes later XXXX. Bank of America did not research in the company and took basic answers back to decline my fraud. 

I never received these items, didn't authorize these items, and this company does not exist. They keep telling me to deal with the merchant and prove a negative which is impossible. 

I reported the fraud right away. 

I want these charges- charged back to the 'merchant '. 

I also can't pay these charges and off my credit card as it will passively appear i agree to the charges. In paying the minimum balance or everything except this i will get interest charges and my credit will be impacted. 

There is a no win situation that is beyond frustrating. 

I have also filed an FTC ID theft claim to help support this claim and resolve the matter
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

I wanted to send {$300.00} to a person that needed the funds for food via Cash.app. I was having trouble linking my account to the transfer of those funds. I tried multiple times without success. When putting in the " hash tag '' for the person to receive the funds there was an automatic dropdown menu of that persons name and all seemed fine. Finally found a credit card and the money was to be transferred. I put in the correct name but when the money was sent it went to a different party with a similar hashtag. I later realized that they money was sent to the wrong person and contacted Cash.app as well as the party that got the money incorrectly. Cash.app said they can not do anything, though it was their fault with a faulty drop down name and the person has not sent me back those funds.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NH)

My Comenity Lane Bryant credit card payment was due XX/XX/XXXX and I attempted to log onto their system at least once every couple of day since XX/XX/XXXX unsuccessfully. The system/company is indicating system updates and to try again, which I did - both online and by calling. 
I called the retail branch XX/XX/XXXX and they can't take a payment t and refer me to Comenity.

I am worried about late fees and penalties, but also the affect on my credit score.
Consumer complaint received 2022-06-13
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing twice has violated my rights. XXXX should be removed from credit reports during the time the collection was paid in full and creditor agreed to remove from all 3 reporting agencies.

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 2021-11-11
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: Experian Information Solutions Inc. (IN)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2021-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Freedom Mortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX was my previous lender. I refinanced in XX/XX/2021 with XXXX XXXX XXXX. Both lenders paid my XXXX XXXX Property Taxes. I have been trying to get the {$2400.00} refund from Freedom Mortgage for over 6 months. This was money taken from my escrow. 

I called XXXX XXXX Assessors office and spoke with XXXX, she said they did not receive the money from Freedom Mortgage. Bottom line I am asking for your help to get the money owed from Freedom Mortgage.
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I represent myself. I sent a cease and desist and validation of debt, Capital One received it on XX/XX/2021. They did not answer any of the questions on my audit request. Soon after they closed my account within the 30 days of Cease and Desist. Also they report fraudulent delinquent activity on my credit report. It has cause so much anxiety and stress because I exercised my rights as a consumer. Under Title 15, Capital One has committed misleading, deceptive acts. XXXX XXXX I sent them my billing error notice because they were not truthful as to how to make payments for my alleged debt. I demand an answer, full documentary evidence and for opening new accounts with the correct methods of payments issued on my account pursuant to 12 CFR 1023.13. Thank you