davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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: Consumer Portfolio Services, Inc. (IL)

You are in Direct Violation Of The fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} ) ( Consumer Portfolio XX/XX/XXXX {$10000.00} ) 15 U.S.C 1681 SECTION 602 A. CLEARLY STATES THAT I HAVE A RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AND OPEN END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE. REMOVE THESE LATE PAYMENTS AND INACCURATE ACCOUNTS AND INQUIRIES AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT REPORT ACT
Consumer complaint received 2023-08-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC (TX)

XXXX of this year I made an agreement with Alltran financial regarding one of my accounts. I made a one time lump sum payment to close the account and I have been continuing to make monthly payments on the other account. I just received a collection letter from XXXX XXXX solutions trying to collect on the account that I settled with Alltran in XXXX of this year. Not only did they lie to me on this account being closed but they sold it to another collection company.

I'm a little confused. If a person honestly tries to make right debts they owe, is their no responsibility on the collectors side to be honest?
Consumer complaint received 2023-05-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One-Business Card- XXXX XXXX XXXX XXXX On or about XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XXXX XXXX listed on my credit report. 
I notified Capital One in XXXX XXXX XXXX XXXX all through XXXX of XXXX them to verify these alleged late payments and that they are inaccurate-they sent me notification back as verified. I looked at my credit report once more, and still these late payments are listed and reporting on my experian credit report. 
Please see below what is on my credit report CAPITAL ONE ( Capital One Spark Cash Select for Business ) 5 LATE PAYMENTS Credit usage 60 % Balance {$600.00} Balance updated XX/XX/XXXX Credit limit {$1000.00} It's normal for the credit card balance you see on your credit report to be different than the XXXX on your credit card statement. Since credit card companies typically only report your balance to credit bureaus once a month, recent payments and purchases may not show up until your credit report refreshes. 

I have spoken to supervisors, at Capital One sent notarized letters to CapOne still no results, they have infringed on my rights for far to long, Cap One has a new card for me, ,because my old one expired yet refuse to send it as retaliation for me speaking up for my right. - This is against the law for them to report inaccurate information on my report.
Consumer complaint received 2023-08-07
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. (FL)

According to the FCRA : 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 : 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.

Experian also will not allow me to reinvestigate this. They have not provided me any details on their previous investigations, as requested. 

Item disputed XXXX XXXX  XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX  XXXX XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX  XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX  : This account needs to removed or have the late payments corrected. 
XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX  XXXX XXXX XXXX : This account has been charged off and needs to be removed. 

XXXX XXXX XXXX  Issue I didn't give this company authorization to access my credit report for this reason. 
Confirmation # XXXX I have requested experian to verify and show me the investigations process but they have not done so. I need these accounts removed immediately as they are violating my consumer rights.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX XXXX, NY XXXXEnclosed are the pictures of the basement when or where it was flooded when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the XXXX XXXX tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$1500.00} and the non-co-borrower contribution is {$690.00}. The total monthly income is $ XXXXCombine the rental income with what I received every month is : {$6100.00} + {$2200.00} ___________The total monthly income is : $ XXXXA loan modification would be beneficial to XXXX us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$950.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance Owed : {$190.00} ; XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2017-02-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

I first applied for a loan modification over 4 years ago. I went over my financial situation on the phone and was told I was eligible but would have to go through the formal process. My nightmare began. We had fallen into financial hardship as I had been layed off and my husband was battling XXXX. I sent in all of the documents requested but was denied for lack of documentation. I applied again. This has gone on for over four years making it now almost impossible for me to qualify for a modification. I do n't believe they ever had any intention of giving me a modification ; just dragging it out until they could foreclose on my home. Every time I applied, I sent in all of the necessary documents. They would just try to come up with other documents that were needed. At XXXX point, we got hung up on my proving I was now on XXXX. Per their instructions, I took copies of front and back of my check, sent them my payment history from SS and my benefit verification letter. They told me they wanted a copy of the cancelled check. This would come from the US Treasury and I was told by them that it was impossible to send to me. I told SPS and they kept stating they needed proof I cashed the checks. I asked them " what do you think I do with them??? '' to which they had no response. They denied me, again, due to missing documentation. I 've researched this company immensely and they have so many similar complaints against them, I ca n't believe they 've been allowed to get away with it. I should also add that SPS refused to accept any mortgage payments from me once I began applying for a modification. I offered them {$50000.00} and to keep the mortgage payments where they were and I would start paying again monthly in XXXX, 2016. They refused.
Consumer complaint received 2023-08-07
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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. (VA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXXBalance Owed : {$19000.00}.
Consumer complaint received 2023-08-07
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)

Consumer law 15usc b ( 1 ) and ( 2 ) stats and under equal opportunity and fair credit act that my credit score should be a XXXX do to false credit and illegal reports, which is holding me and my family and business back to be successful and skill further in life, ,.equal opportunity act and fair credit act means and stats that my credit score should rapid rescore up by XXXX points, ,as well as my losing money to pay for credit repair to XXXX and equifax,, , I request and demand my score to be XXXX or more.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

I paid of my credit card in full on XX/XX/2022. I paid {$2900.00}. The due date was XX/XX/2022. My balance was brought to {$0.00}. My credit report also indicated that my balance was at {$0.00}. On my XXXX statement Comenity stated that I still owed money which was not true. Comenity misquoted the amount I paid. Comenity used my XXXX 's ( the previous month 's ) payment as my XXXX 's payment which was {$130.00}. They completely ignored my final payment on my bill. This amount was carried into my XXXX statement as a balance and attracted interest rates which should not have happened. Comenity issues its statements on the XXXX of each month online and creates a due date of the XXXX of that month. Therefore my XX/XX/XXXX payment should have been reflected on my XXXX statement but it skipped an entire month creating an additional interest fee to be paid in error. 

I was unaware of this additional fee as I got confirmation from my bank, Comenity and my credit report that my debt was fully paid. In XXXX I still owed Comenity {$10.00} in interest for a balance that was cleared two months prior. Comenity then wrongfully reported me as one month delinquent. By this time I owed {$43.00}. I disputed this with both Comenity and XXXX. During their investigations I still paid the bad faith fee so as to avoid any more issues with my credit report. The matter was resolved. My credit report was restored. 

When I paid the bad faith fee of {$43.00} Comenity returned the payment but then charged me a fee to return the money. When I called Comenity they said I had insufficient funds. I explained this couldn't be as I got a confirmation number that the payment went through and my balance was updated to {$0.00} everywhere. I was unaware of this return as the issue was still being investigated. The return fee then went into late payment and I then paid even more interest on that fee. The total amount came up to {$80.00}. Comenity then charged my credit card with the {$80.00} owed racking up even more fees and interest as this was now considered a purchase on the credit card. 
I disputed the mistake again and Comenity has not removed the error from my credit report. All three of my credit reports have different information. My Experian credit report says I was never late and my debt to Comenity is {$0.00} but XXXX and XXXX have reported that I am 2 months late and that I still owe Comenity money. Comenity has caused my credit score to drop from XXXX to XXXX alleging I was late on fees when in reality I had no fees to pay. I have also lost out on an opportunity to be approved for a mortgage since my credit score has dropped so significantly. I was pre approved for a student loan for school but my affected credit score will impact the amount I'll be eligible to receive.

Comenity has been ignoring all my efforts to have this rectified. It is a simple correction.
Consumer complaint received 2023-05-14
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: DISCOVER BANK (NY)

Im in direct violation of th fair credit report act. XXXX XXXX XXXX XXXX XXXX XXXX, Discover bank, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights.

15 U.S-C 1631 section 602A.clearly states that I have the right to privacy.

15 U.S.C 1631 section 604 A. section 2 ; it also state a consumer reporting agency can not furnish an account. without my written instructions.

15 U.S.C 1666/A creditor may not treat a payments on a credit card account under a open ; end consumer credit plan as late for any purpose.

Please the late payment and update this account remove immediately as they are in a direct violation of several laws under the fair credit report act/
Consumer complaint received 2023-08-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I've read on more than one occasion that while the pause is in effect, all payments would be applied to the principal balance, so I kept making payments believing those payments would decrease my loan balance only to find out that my balance wasn't shrinking as MOHELA applied those payments to the interest of the highest loans, and not to the principal as I was led to believe or interpret! I sent MOHELA a letter in XX/XX/2022, which I have attached as well as their response, and a copy of the statement on their website about how any money is applied to the various loans held. 

I am totally confused as to how MOHELA is able to not apply my payments to the principal balance if I'm reading online that if borrowers continued to pay through the pause, all payments would go towards the principal??? I'm totally confused about if my payments should be going to the principal balance or not? 

I stopped paying my loans because the interest will start again, and I'd be right back where I started with paying an amount, and it's not going towards the balance but only the interest. I'm sure others have complained about the interest, but I'm only interested in understanding paying while the pause in in effect, and those payments not going towards the principal? Thank you!
Consumer complaint received 2023-08-07
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ONE REVERSE MORTGAGE, LLC (GA)

On XX/XX/XXXX, One Reverse Mortgage LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX gave my sister a reverse mortgage of {$30000.00} on the family home that I owned. I had given my sister a life estate in XXXX and allowed her to occupy the property until her death because she had no place to live. The life estate provision was spelled out in the 1st paragraph of the Deed. Upon my sister 's death in XX/XX/XXXX, I discovered that she had obtained the reverse mortgage without my consent. As per HUD 's LIFE ESTATE PROVISIONS rule from HUD XXXX related to XXXX, if an eligible mortgagor holds only a life estate when the mortgage is executed, all holders of any future interest in the property ( remainder or reversion ) will also be required to execute the mortgage to ensure that the mortgage is secured by a fee simple interest. My understanding of the HUD requirement is that she SHOULD NOT have been permitted to obtain a loan without my signature or consent and that I should have participated in the counseling process, neither of which occurred. Therefore, this loan was made illegally. The loan was transferred to XXXX XXXXXXXX XXXX XXXX, and I had to pay them over {$20000.00} to reclaim my property as my sister had become ill before she passed and had not paid the homeowners insurance which caused the house to head to foreclosure which I discovered when I attempted to transfer the house back into my name. Per XXXX, the original lender is no longer in business and was acquired by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I was unable to discuss the loan with anyone at XXXX XXXX XXXX  because my niece ( my sister 's daughter ) was the administrator of her estate. However, the company did accept the funds I sent to get the house back and released the lien. It's my belief, that I should not have been liable for paying back a loan that was illegally made. I had to get a personal loan to pay the balance due and recently did a quick sale on the house to get money to pay back the personal loan. I contacted FHA about this issue to clarify my understanding of HUD XXXX but kept getting bounced around.