davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2021-10-27
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)

My husband and I had an auto financed through Capital One. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The Capital One installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call Capital One the representatives tell us that I am going to receive a XXXX because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since Capital One is saying I am not able to pay on it as there isn't a balance due by me.
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

A collections account is showing on my credit report from choice recovery for XXXX XXXX XXXX XXXXXXXX. I have never been a patient with this medical company/doctor since I have been XXXX. If this was for me I would of been a minor and not signed for treatment or responsibility of the bill. I have received no bills from this company or had knowledge of the bill. Shows an amount of XXXX and date opened XX/XX/2014
Consumer complaint received 2022-01-05
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. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2020. The bureau reporting is Experian. Thank you!
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NV)

over the last 7-10 years I have requested that if my bank account reaches a zero balance to not let any funds come out of my accounts and to return to issuer from both my Personal and Business accounts. and have not changed and have told me it was not and option on to find out later that this was all a lie and it was an easy task to make it to where I would not be charged an overdraft fee on either of my accounts... i have made over 7 cases with Wells Fargo ECMO team and Wells Fargo has canceled all accounts without providing any of the notes from my amount as requested to verify how many times I have called in concerning overdraft charges and why they still keep coming out... they sent me an amount of XXXX and offered me 50 % of that as a partial refund but never reviewed my person account ending XXXX or XXXX  I did not accept the 50 % partial refund on the one account and stated to them that any and all checks have been destroyed as not to enter into any contract or insinuation of acceptance of the partial refund.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I received a letter from the Department of Education ( SEE ATTACHMENT ) stating I'm discharged from my student loans. It also stated that they contacted the credit bureaus to remove the discharged student loans off of my credit report, which still hasn't been removed.
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: Experian Information Solutions Inc. (TX)

Inaccurate reporting has caused stress an anxiety the last 2 years fighting the Credit Bureaus of violations that they choose to ignore. Late, missed payments, each bureau reporting different payment history information has caused damaged to my life along with XXXX. I've received mail stating these accounts been verified and still today I have yet received my wet ink signature on none of these accounts. I inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. This is Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowningly transferred, possessed, or used, without lawful authority, means identification of me which is a felony. 
It so sad that you send documents in to the Bureau and they don't their job.
Consumer complaint received 2024-10-09
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (GA)

I am writing to request your immediate assistance regarding a matter with my retirement payment through Direct Express. As an XXXX woman on a fixed income, this payment is crucial for my monthly expenses and well-being. 
My retirement payment has not been released by Direct Express, and despite my efforts to resolve this issue directly with them, I have yet to receive the funds. I rely entirely on this payment to cover my essential living costs, including housing, utilities, and groceries. 
As a XXXX citizen with limited resources, I am experiencing significant hardship due to this delay. I kindly request that the Treasury Department intervene on my behalf to ensure the prompt release of my retirement payment. 
Please let me know if there are any documents or additional information you need from me to expedite this process. I can be reached at the contact information provided above. 
Thank you for your prompt attention to this matter. I am hopeful for a swift resolution.
Consumer complaint received 2022-01-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Select Portfolio Servicing, Inc. IS NOT the the entity entitled to enforce the promissory note originated on XX/XX/XXXX between XXXX XXXX, XXXX XXXX lender and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has ceased operations in the U.S. as of XXXX, XXXX. This is a case of foreclosure fraud. The alleged owner of the debt is XXXX XXXX XXXX as identified on a complaint filed by attorneys XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX XXXX is a fiduciary trust incorporated under the laws of Delaware and registered to do business as a non-profit or religious trust and not a mortgagee. XXXX XXXX XXXX was submitted in the complaint without a named trustee and under state of Illinois laws a trust can neither sue or be sued. XXXX XXXX XXXX IS NOT the entity of record entitled to enforce the aforementioned note executed on XX/XX/XXXX between XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX borrower. The originating mortgagee, XXXX XXXX, XXXX was purchased by XXXX XXXX XXXX XXXX in a purchase/sale transaction, the note and mortgage were not. The aforementioned promissory note originated on XX/XX/XXXX between XXXX XXXX, XXXX, lender, and XXXX XXXX, borrower was never endorsed to any other mortgagee or investor and remains as of this writing as the lender of record. XXXX XXXX XXXX, a subsidiary of XXXX XXXX XXXX XXXX was the alleged mortgagee per complaint filed on XX/XX/XXXX, XXXX JUDICIAL CIRCUIT, XXXX XXXX, as case no. XXXX. No mortgage assignment and no promissory note endorsement from the originating mortgagee, XXXX XXXX, XXXX was submitted in the complaint filed on XX/XX/XXXX and none exists. The complaint submitted by the Law Office of XXXX  XXXX XXXX alleges that XXXX XXXX XXXX. was the owner of the debt through a merger between XXXX XXXX XXXX. and XXXX XXXX, XXXX which is fraud, XXXX XXXX XXXX XXXX was the purchaser of XXXX XXXX, XXXX in XXXX and not XXXX  XXXX XXXX. as fraudulently alleged in the complaint per a fraudulent allonge to the original " UN-ENDORSED '' promissory note filed with the complaint. XXXX XXXX XXXX XXXX purchased XXXX XXXX, XXXX, but never received or had ownership of the aforementioned mortgage debt and fraudulently confirmed that it was the owner of the debt and illegally collected seven years of mortgage payments from XXXX XXXX which XXXX XXXX XXXX XXXX was not due. Attached are copies of the original complaint as filed and all supporting documentation clearly clearly supporting the fraudulent conduct of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SELECT PORTFOLIO SERVICING, XXXX, LAW OFFICE OF XXXX  XXXX XXXX, attorneys XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. Signed, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX ( mailing address ), XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, residence address.
Consumer complaint received 2024-10-10
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. (FL)

Im honestly stunned by what I saw this morningincorrect accounts on my credit report! I have no idea why theyre there. I check my credit regularly, and everything was fine until now. I tried refreshing my browser thinking it was some kind of mistake, but no, the inaccurate information stayed put. Its really unsettling, and I urgently need you to go over the documents I provided to resolve this, so I dont have to keep stressing over it.
Consumer complaint received 2024-10-10
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MA)

A loan balance transfer was sent to FirstMark from XXXX XXXX, effective XX/XX/XXXX. XXXX covered the total balance due amongst four accounts under FirstMark for a total sum of {$21000.00}. FirstMark called to collect a payment on XX/XX/XXXX and on XX/XX/XXXX saying there was a past balance due. After the XX/XX/XXXX call, I called them back and reported to them that I had sent over a loan transfer and that the balance should be paid in full. I then made a payment on XX/XX/XXXX for {$620.00}. On Monday XXXX I checked my FirstMark account and saw that the amount owed was {$0.00} and that all accounts were paid off. At this time, I was now owed {$620.00} because the initial {$21000.00} included upcoming payments for the month of XXXX. 

At XXXX I called FirstMark customer service and was told that the balance transfer went into effect on XX/XX/XXXX when XXXX initiated the payment. I asked the representative to credit me back the {$620.00} that I am owed. The rep did inform me that it takes 3-5 days to reflect back into the account I paid with. However, I received a notification from my credit monitoring service saying that I was delinquent on the four accounts with FirstMark.

I would like to see it that these four derogatory marks be removed from all credit reporting bureaus. The XX/XX/XXXX payment is noted in their system per the representative indicating to me on the call from XXXX. This is the true payment date and I would like to see FirstMark rectify this as soon as possible.
Consumer complaint received 2021-04-16
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: CITIBANK, N.A. (OK)

Early morning XX/XX/XXXX I received a call from the fraud department of my credit card company, Citi, that there was unusual activity on my credit card. The agent informed me that there were three charges at an AT & T store in Georgia for nearly {$1000.00} each. I let the fraud agent know that none of the charges were mine and I was told that all three charges would be removed, my account closed, and new cards shipped with a new account number. However, only one of the charges was removed from my account and the other two remained. It wasnt until a week later when I received my new card and went in to activate them that I noticed the charges had not been removed. I called the fraud department and was told that the original agent didn't notate that I disputed all three so the other two would be left on my account. After explaining the issue repeatedly, the agent finally agreed to remove the charges. Guess what ... same story, charges were not removed.. so I called again and spoke to another agent and same result. I also disputed the charges online and nothing. I dont know how I can be charged for something I didnt buy and I clearly told the original fraud department agent that I disputed all three charges ... I am a 20+ year cardholder and can not believe that I am being treated this way. I want the charges removed from my account.
Consumer complaint received 2023-12-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (PA)

1024.36 Requests for information. violated ive contact this company NUMERous times to get information ( ignored ) explanations or assistance to navigate the website for intimation on their page ( ignored ) 1024.39 Early intervention requirements for certain borrowers. ( violated ) I try to call and its like im on hold for hours to get to a person I don't know what the heck is going on and its been like that for MONTHS!!!!

1024.38 General servicing policies, procedures, and requirements ( violated ) first my modification was denied cause I made the mistake of adding extra income and they wanted the long form of thief information and denied it cause it was supplied but I shown with my income alone I was able to stay in my house so the second modification I do the exact same thing only without the secondary income and they STILL DENIED IT now im in foreclosure and they know PAHAF will pay this loan I gave them the letter showing im in the program and they are back logged yet mr Cooper just continues violating my civil rights Ive emailed XXXX 2023 XXXX XX/XX/XXXX XXXX no replies no answers to why my information isn't unacceptable nothing just the continuances of predatory actions
Consumer complaint received 2018-10-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

I took out a payday loan from XXXX XXXX in XXXX Ca. on XXXX XXXX in the amount of {$5000.00} based on my bank account activity which I was OK with but, I was under duress and was not properly informed of what I was signing. I was told that my payment would be a total of {$260.00} monthly and to my shock and surprise it was two monthly payments of {$260.00} with a grand total of {$520.00} a month! which I think and know this is robbery and I rather not pay this loan any longer because if I do I will become homeless!
Consumer complaint received 2022-04-06
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. (CT)

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act these accounts violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-14
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. (GA)

Equifax declines to forward me an updated credit report ... I still behold countless errors on my report ... I have received mail stating that some of it has been removed ... this is hindering me and its a great injustice ... I resolve to pursue litigation very soon
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CA)

Sent lawful tender of payment to this company since XX/XX/XXXX and they have denied it multiple times along with the 1099A that they have denied they received. Due to multiple violations of the TILA now I have rescinded the contract on XX/XX/XXXX they have now unlawfully repoed the vehicle on XXXX.Pursuant to 12 USC 1431 banks can not loan you money. I have attached my payment remittance coupon that was received by Westlake XX/XX/XXXX, please see " act of XX/XX/XXXX '' my tender of payment is lawful.
Consumer complaint received 2022-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2022, I paid off 2 student loans to XXXX totaling {$25000.00}. During that same time period, I also paid off a mortgage to XXXX XXXX XXXX  in the amount of {$120000.00}. After paying off these balances, my Experian credit score dropped by XXXX points. My XXXX mortgage balance was reduced by {$960.00} during this same time. I am seeking an explanation on why -- after paying down close to {$150000.00} in debt, that my credit score would drop rather than increasing. Use of an algorithm that decreases my credit score after paying off debt seems to run counter to and defy logic. The way my scores are being calculated at Experian, it is as though my score is higher when I am carrying more debt. This seems extremely unfair to consumers. I am asking that the CFPB do an investigation into the use of such practices and algorithms. Thank you.
Consumer complaint received 2022-01-05
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: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX I noticed a pending charge from XXXX for XXXX that was not mine on my credit card. I immediately called customer service. I was told that since the charge was pending, he would be able to stop it from being processed completely. I was then told to shred my card and that a new card, and a credit for the invalid charge would be issued. I was immediately locked out of my online account and mobile app. When the new card finally arrived XX/XX/XXXX and I was able to activate it and access my account again, I could see no credit had been issued. I called customer service again, again they wanted to shred my card and issue a new 1, after explaining that had already been done XX/XX/XXXX it was determined that no one had ever done anything about investigating/crediting the invalid charge. I was again assured it would be handled and that a credit would appear on my account within 24hrs. 
On XX/XX/XXXX I called again when no credit was showing, again they wanted to shred my card and issue a new 1, I again explained that had already been done. I was again told no one had opened an investigation or issued a credit. For the 3rd time an investigation was supposed to be opened. I was then told by the fraud dept that they could already see it wasn't my charge, didn't have the correct authenticators, and shouldn't have been processed. ( same thing they said XX/XX/XXXX ). I was told I would definitely see the credit Monday XXXX. I was apologized to for having to call so many times and spend so much time on the phone ( this isn't a 5 minute call - usually atleast 45 min minimum per call ), I was told complaints would be issued for the previous service reps not initiating or completing the inquiry. 
On XXXX I called again when no credit was showing. This time I was told, the inquiry was just opened and they have no information. 
This is ridiculous - usually and even with this company in the past - a credit is issued within 24hrs. I know it may be a temporary credit if the investigation determines it, actually is your charge.

This is NOT the case in this situation. I have been told repeatedly that they can see this isn't my charge and did not possess the correct information to process to my account. I also never use this card for XXXX and don't have any transactions on my XXXX account with this dollar value. This is NOT my charge, NEVER was, and this fact has already been determined by numerous service agents, they just haven't followed thru to correct it.
Consumer complaint received 2022-01-05
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: Experian Information Solutions Inc. (NV)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.