davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to XXXX XXXX XXXX However, XXXX  XXXX XXXX is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the XXXX XXXX XXXX XXXX  was XXXX. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXXXXXX XXXX From that date until XX/XX/XXXX, after heavy research, {$XXXX was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {$XXXX} which included escrow. This is a gross overestimate of added fees and this is unlawful. 

XXXX XXXX XXXX  ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$XXXX} for late fees and interest according to these documents. In XXXX of XXXX, {$XXXX} was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$XXXX}. Now, XXXX years later with no cash out refinancing ever done, its totaling {$XXXX  - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, XXXX XXXX XXXX  again began servicing this loan, after I was removed and their records shows a principal adjustment of only {$XXXX, and a balance of {$XXXX which would be a total balance of XXXX, not the XXXX. I have attempted to write XXXX XXXX XXXX, email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by XXXX  XXXX XXXX and why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX years. This is fraud on so many levels.
Consumer complaint received 2020-11-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

first i enter my information stuff like my first name, middle name, last name, address, zip code, and my email address and i then i put some of the pay number that i want for my self and i went to get my code from capital one to XXXX XXXX to put it on home phone number but i didn't got the code on my home phone and i want to see what is my code from capital one to XXXX XXXX.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

As I was checking my Report I noticed an account I do not recognize from XXXX XXXX for {$1300.00} I have fully investigated my rights in this matter. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX, I received a notification from all three credit bureaus that Capital One had reported that my credit card payment for XXXX was considered 30 days late. However, this was not the case. I never missed a payment. I contacted Capital One on several occasions and was sent to several departments, all of which could not see the delinquency ( late payment ) on my account. They all confirmed that my account has been current in its whole existence. They said I could just dispute it to the credit bureaus and it would be fine. 

However, I have disputed it to all three and all three bureaus have said that the information sent to them by their data furnisher is accurate. Now my only option is for Capital One to figure out what's going on on their end. My credit score has dropped a considerable number, this is my ONLY missed payment across MANY accounts.
Consumer complaint received 2020-11-22
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. (OH)

XXXX XXXX XXXX listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions between XX/XX/XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.
Consumer complaint received 2022-07-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called in today XX/XX/2022 to check on my personal information on my account. After I had entered in my loan number and last our I received a recording that the Creditor had reported a late on my XX/XX/XXXX payment that was not actually late.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX BANK # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX & XXXX 2011 XXXX XXXX, XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This complaint involves XXXX XXXX XXXX, XXXX, a debt buyer, fraudulently reporting itself as a Factoring Company in the Account Type section of my Experian credit report between XX/XX/XXXX and XX/XX/XXXX, relating to a collection ( Account # XXXX ). XXXX XXXX XXXX, XXXX is in violation of the FCRA and FDCPA by ever describing itself as a Factoring Company on my credit reports. XXXX XXXX XXXX, XXXX is junk debt buyer it purchases security interests in old, defaulted receivables. Factoring companies only purchase new receivables. On XX/XX/XXXX, I initiated a dispute with the XXXX XXXX XXXX of XXXX, Virginia, arguing that XXXX XXXX XXXX had since XX/XX/XXXX, been erroneously reporting itself as a Factoring Company on my Experian credit report. I included an attachment of my XX/XX/XXXX Experian credit report verifying my claims. On XX/XX/XXXX, XXXX XXXX, Regulatory Compliance Analyst with XXXX XXXX XXXX, responded to my complaint. XXXX claimed, XXXX has confirmed that it is properly identifying itself as a Debt Buyer to the consumer reporting agencies ... She goes on to write, XXXX does not control the way consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. This is a lie. On XX/XX/XXXX, I spoke with several Experian representatives who confirmed that Experian DOES NOT modify, change, amend, or alter any information furnished by a creditor. The same day, I submitted a rebuttal to XXXX  fabricated XXXX XXXX XXXX  statements, providing additional evidence that my XX/XX/XXXX Experian credit report still showed XXXX XXXX XXXX reporting itself as a Factoring Company. Tellingly, on XX/XX/XXXX, XXXX XXXX XXXX began reporting as a Debt Buyer under the Account Type of my Experian credit report. I confirmed with Experian on XX/XX/XXXX that this change in reporting was instituted by XXXX XXXX XXXX, not Experian. It is clearly evident that both XXXX and XXXX XXXX XXXX are lying, are/were in violation of FCRA and FDCPA reporting regulations, and need to be held accountable. I have attached the XXXX XXXX XXXX correspondence referenced above, in addition to attachments proving XXXX XXXX XXXX was reporting as a Factoring Company to Experian in XX/XX/XXXX and on XX/XX/XXXX. Ive also provided an attachment which shows how XXXX XXXX XXXX began reporting as a Debt Buyer on XX/XX/XXXX.
Consumer complaint received 2020-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions betweenXX/XX/XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.
Consumer complaint received 2020-11-22
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: JPMORGAN CHASE & CO. (CA)

Payments marked LATE in XXXX, XXXX and XX/XX/2019. I was traveling and thought Auto Pay for monthly lease payment was enabled via the bank website. I was informed in early XX/XX/2019 that two payments had been missed and resolved the issue immediately. 
Not a single representative at CHASE was helpful, in the slightest, and my credit has been significantly affected by this error. I have explained that the error was a website issue and there should be some sort of FAIR resolution but they wont even respond to my request. I only recently received a form letter in the mail.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am filing this Complaint on behalf of my client, not myself. My client was denied a Trial Loan Modification on XX/XX/XXXX by his Mortgage Servicer, SPS. The reason given for the denial by the Servicer was that " in performing our underwriting of a potential Modification, we could not reduce the principal and interest payment or the payment reduction achieved did not meet the payment reduction required for the account. '' On XX/XX/XXXX, I submitted a timely Appeal of the Denial of the Trial Loan Modification. In this Appeal, I suggested that a payment reduction could in fact be achieved by extending the term to 40 years since there had been no term extension at the time of the prior Modification in XXXX. 

On XX/XX/XXXX, I received a response from SPS to my Appeal that reiterated what was stated in the XX/XX/XXXX letter that is quoted above in the first paragraph. There was no reference to my suggestion of extending the term to 40 years to achieve a payment reduction. 

On XX/XX/XXXX, I sent a Notice of Error or Qualified Written Request to SPS stating that there was an error by SPS in refusing to extend the term of the loan to 40 years because that would achieve a payment reduction. In addition, I suggested adding the current arrearages to the back of the loan but keeping the arrearages in a forbearance balance that was non-interest bearing which would also result in a payment reduction. I specifically requested that SPS respond to these suggestions in the Notice of Error/QWR because I believe that they had committed an error in denying my client a Mortgage Loan Modification with a term extension to 40 years and putting the arrearages in a non interest bearing balance on the back of the loan. These would have resulted in a payment reduction which SPS said could not be achieved. 

On XX/XX/XXXX, I received a response from SPS that did not acknowledge or address the Notice of Error/QWR and which did not contain any reference to my suggestions that the term could be extended to 40 years and the arrearages could be put in a non interest bearing balance on the back of the loan. Their response was that they had received similar disputes from me and that they had responded previously to these disputes. 

That is patently false. SPS has NEVER responded to any of my inquiries asking them specifically why the term of the loan could not be extended to 40 years and the arrearages put in a non-interest bearing balance on the back of the loan which would result in a reduction in the payment.

This Complaint is alleging a violation of Section 6 ( e ) ( 2 ) ( B ) of RESPA regarding the failure of SPS to respond to a Qualified Written Request and a violation of Regulation X Section 1024.35 regarding failure to respond to a Notice of Error.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank (CA)

My First Progress card was stolen. I reported it to the company and asked them to prevent reverse the fraudulent charges on the account and prevent further fraudulent charges. From what I can tell, they issued a second credit card and allowed fraudulent charges on that and kept two accounts running then failed to post payments to either account. Because of this, I was assessed a late fee and now have a balance of {$520.00}. 

I would like the company to cooperate in an identity theft investigation by closing the account and providing copies of all charges on the account with the transaction type and identity verification used. This request has been made to the company pursuant to California XXXX XXXX which requires parties to cooperate or be subject to a fine of {$100.00} per day paid directly to the injured party ( California XXXX XXXX XXXX XXXX ( XXXX ) " ( XXXX ) In addition to any other civil remedy available, the victim may bring a civil action against the entity for damages, injunctive relief or other equitable relief, and a penalty of XXXX XXXX dollars ( {$100.00} ) per day of noncompliance, plus reasonable attorneys ' fees. '' )
Consumer complaint received 2021-12-16
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. (MD)

I have been trying to fix my own credit I have contacted each bureau multiple times Experian XXXX XXXX and I have sent my own dispute letters and I have never received a letter back as to why this was on my report its been longer then thirty days I just dont understand I was told that if its been longer then thirty days the item has to be removed it has not been verified
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
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 2020-11-22
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: Experian Information Solutions Inc. (PA)

The first inquiry in question was apparently made by XXXX XXXX XXXX XXXX  on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX XXXX XXXX. 

The second inquiry was made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. 

The third inquiry was made by XXXX XXXX  XXXX on XX/XX/2020 and I have no accounts with XXXX XXXX XXXX. 

XXXX inquiries were made by XXXX on XX/XX/2020 and XXXX XXXX. I have no accounts with XXXX. 

Another two inquiries were made by XXXX XXXX on XX/XX/2020 and XX/XX/2020. I have no primary accounts with XXXX XXXX.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. ()

I am an American citizen and have lived outside the United States sine 2008 and have become aware my identity and personal information may have become compromised in the US. 

I have attempted to place a security freeze on my account and request a copy of my credit report by mailing Experian at XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX. I submitted my US Passport, proof of my address, a pay stub and a utility bill. I have attempted to phone them. 

They have sent back a letter saying they need more information ( which they already have ) and have asked me to submit these documents by mail or online. When I upload it online is blocks the request repeatedly due to my IP address being outside the United States. 

I feel that because I live abroad I'm unable to take proper care of my credit profile and history.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The late payments are innaccurate. I have talk to several representatives and no one could do anything. I reported fraud for charges on XX/XX/XXXX XXXX, XX/XX/XXXX. Capital One charged me for late payments for XX/XX/XXXX. I told the representative that Im not paying for charges I didnt make. They never removed the charges from my account. Also I have a new account Capital one QuickSilver Rewards credit card for the past 2 months. The late charges are on my new account too. My old account is Capital One platinum is were CapitalOne put the original late charges.
Consumer complaint received 2023-05-27
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. (NY)

Its bout one late payment happened last year the company never sent me a notice to my email or even at my mailing address, one morning I wake up and see my credit score dropped XXXX  points I immediately called them to resolve it and made the payment and then I thought I will get back the XXXX  points I lost, I never did, I called the company multiple times to resolve this issues, all they give me is running around its been months since Ive been dealing this problem Im losing money cant sleep Im stress out. Cant rent apartment cant get a loan its been nightmare.. any thing you guys can do to help Ill greatly appreciate it. 
Thank you!
Consumer complaint received 2022-10-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Wilber and Associates, P.C. (TN)

Back last year in XX/XX/2021 i had a minor accident were i hit another car with minor damage.So after about a month i was contacted about the damages.And then a month after i got a call from WILBER GROUP. stating that i owed XXXX dont know the exact amount. and then w.g contacted me and stated that they would take my licenses away and upon that they said they needed 50 % upfront so i let them know i couldnt afford to pay them the amount. So i started off paying XXXX per month to them. And then couple months later my license was suspended. Which then for about 3months i had no licenses. Then i agreed to give them {$200.00} a month until my financial situation changed i called too change my payment amount & they told me i couldnt that they have already waived some things. They was calling my phone late night XXXX XXXX sometimes later! Very rude & demanding people they talk over you while youre talking.