davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting 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. (FL)

Subject : Complaint Against EXPERIAN for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

Our Mortgage loan started with Country wide, and got sold to XXXX XXXX XXXX, then resurgent which then got sold to Shellpoint Mortgage Servicing. My husband got laid off for 7 months, and we were falling behind. This was a year ago mind you. Every time we sent the documents they claimed they did not have enough information and documents, which was a straight out lie! We would re-submit the files, and by the time they processed the information it was already expired! this is a clever way to collect illegal fees, and make you fall behind even more so they can foreclosure on your home. We were only three monthe behind when this started, and were ready to pay at that point a year ago, but our Account Manager advised us not to pay because it was in review anyways. Any time we tried to make payments online, it would not allow us to pay. To this date we are still playing this game, and have no idea what to do? We do not want to lose our home, and are willing to work with them arranging some type of loan modification, but they keep saying that they ca n't help us because we did not send the information they needed, which is a flat out lie! We have proof from emails sent back and forth with their company. countless phone calls to get a voicemail, and no answer..they claim they do n't have to leave a message. Now our fees they have added has grown to a rediculous amount that we ca n't pay..of course. They want us to lose our house! Please help us keep our home, and get us on the right track with a proper loan modification.
Consumer complaint received 2015-05-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Dream Center Education Holdings (CA)

My name is XXXX XXXX and I 'm contacting you because I like many millions of other college graduates that are suffering in Student loan debt -especially from a For-Profit College that defrauded all of its students- wish to complain about XXXX and EDMC. 

Recently there was a Federal lawsuit against the Parent company ( EDMC ) of the college I attended ( XXXX XXXX of XXXX ) from XXXX graduated with XXXX and over {$80000.00} in debt. Its Parent company EDMC was sued for fraudulent practices/recruiting/using federal aid for CEOs/Shareholders/recruiters bonuses instead of helping students, predatory lending practices, stealing GI Bill money from students, etc ... and they won {$11.00} XXXX dollars from EDMC. 

I was lied to about their job placement numbers as well as the true total cost of my so-called quality education. Also they were predatory in recruiting and they pressured me into keep signing for more student loans, federal and private. The education I received there was sub par at best and I feel was n't anywhere near worth what it cost to get my soon to be worthless degree. The lawsuit money that was won should go to the students who are the real victims not to the government for more wasteful spending. It should go to the people, this country was built upon a government for the people by the people, not for the wealthy or for the money by the money. I have almost all my records while I attended XXXX XXXX of XXXX. 

We want the settlement money to erase all our student loans as well as have all money refunded that has been paid on the grounds of the fraud the schools committed based on the judgement in the US Government lawsuit. Below are links to the site for the petition about the lawsuit and the debts former students are drowning in along with many other source sites. Many of us have begun to contact elected officials, State Attorney Generals, and looking into going after them. 

Now EDMC is closing most of its schools throughout the country and just as the XXXX XXXX closures opened everyone 's eyes to the thousands of people drowning in debt from attending this fraudulent school that should receive refunds as well as all student debt erased based on everything that has happened. 

Read the comments listed on the site with the petition and you will see what I 'm talking about. This money should go to all of us who are still stuck with this debt from a school that played us all for fools. 

Thank you for your time. 
XXXX XXXX Below are links for almost everything regarding EDMC/XXXX. 
XXXX
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In a nutshell, I had a XXXX bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. *SEE ATTACHED LETTER dated XXXX/XXXX/2013 XXXX. I paid them, per their terms, and received confirmation of acct. 
was settled. Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms, but are reporting : " charge off '', no mention of any settlement, and " settled for les than full balance ''. THIS IS NOT THE SAME THINGAS THE XXXX WORDS I WAS PROMISED- " SETTLE IN FULL ''. I did nonot agree to " settled in full, for less than full amount '', or any similar term. 
I called XXXX about this last week, and was told they have nothing to do with how the XXXX CRA 's report on this. This was a bold lie, as XXXXwould be the one to give the information out to TransunionXXXX. 
to release the information concerning payments.
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The below company was not authorized to run a XXXX credit check. XXXX & XXXX, PA XXXX ( XXXX ) XXXXMy report also has a " XXXX '' behind My name and I have already asked that be removed.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (CO)

We mortgaged our home with XXXX on XXXX/XXXX/XXXX. XXXX assigned the loan to XXXX Bank. XXXX transferred the loan to XXXX on XXXX/XXXX/XXXX. XXXX escrowed {$26000.00} from XXXX XXXX to replace our XXXX. XXXX released {$8900.00} on XXXX/XXXX/XXXX. The XXXX replacement was completed by XXXX XXXX on XXXX/XXXX/XXXX. XXXX transferred the loan servicing, including the insurance escrow funds, to Green Tree Servicing on XXXX/XXXX/XXXX. Green Tree did not advise us that they had the XXXX escrow funds and has refused to release the escrow funds to pay XXXX Roofing.
Consumer complaint received 2015-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

I had a XXXX account in XXXX, XXXX and 3 months of XXXX. It included XXXX XXXX XXXX home phone XXXX XXXX XXXX XXXX High Speed Internet and XXXX XXXX XXXX XXXX XXXX on XXXX bill. My bill was about {$150.00} on average per month. My wife took care of the bills. In XXXX of XXXX I looked at my XXXX XXXX XXXX monthly billing statement that was on the coffee table. I about blew a gasket, the bill was over {$400.00} for the month of XX/XX/XXXX. Under Billing Summary there was a new service included, XXXX XXXX XXXX Wireless. My daughter and her boyfriend XXXX XXXX ordered XXXX XXXX XXXX wireless and somehow added it to my XXXX XXXX XXXX account without my knowledge or permission. I called XXXX XXXX XXXX and asked who authorized the wireless service on my XXXX XXXX XXXX account? They said XXXX XXXX did. I said no I did n't, besides that 's not my name. I 've never used XXXX XXXX for anything I 've ever subscribed to or signed up for. I cancelled my complete account. XXXX XXXX XXXX home phone, XXXX XXXX XXXX high speed internet, XXXX XXXX XXXX XXXX and of course XXXX XXXX XXXX wireless. It was shut off on XXXX XXXX, XXXX. I have a Final Bill that shows under Billing Summary everything was shut off except XXXX XXXX XXXX XXXX, that they charged me an extra month for {$40.00} even though I cancelled it with the other services. I paid my final bill and that was that. WRONG! I did n't receive anymore bills, but the wireless service continued without my permission or knowledge. The service statements changed to XXXX XXXX XXXX Mobility, different color bill statements, billing address was different, account number was n't my account number from the XXXX XXXX XXXX service I had. XXXX XXXX was the name they used on this new account even though I freaked out at them for it being on my previous XXXX XXXX XXXX account that I paid and closed. So this new wireless account used XXXX XXXX ( I 've never used ) had a different billing address and a different billing company and a different account number. XXXX last thing, on the final bill for this unauthorized collection account there after me for they changed the billing address back to my address on the XXXX XXXX XXXX account I had previously closed. So they changed the billing address on the very last bill statement to my address. Is n't that illegal? I think so, I know it 's not right.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

So I received a notice from CFPB that the XXXX agencies were working on my issue still and would not get an answer for up to 60 days from the XXXX agencies who would be checking into the my concerns with a collection company called XXXX Bank. Since my response and uploading documents proving I did dispute with the XXXX credit agencies of which the say they had no record of, I have recently received these additional XXXX response letters XXXX of which I think is somewhat of a retaliation to my original complaints regarding their incorrect reporting. You will see that in the body of the letters to the upper right hand side ( circled, arrow & stars XXXX, they are still unwilling to change the balance of debt to read " {$0.00} '' and keep reporting that I owe them all this money. There should be not indication of any balance due them or XXXX Bank anymore on any correspondence or public records since all the accounts I previously had with World Finance had already been discharged between XXXX & XXXX before XXXX XXXX sold their business accounts out to XXXX Bank. Comenity who is now working with XXXX are to still trying to collect on these funds from me and reporting this on all XXXX credit reports as of XXXX/XXXX/2015. I need for all the accounts under both XXXX and XXXX Bank to be totally erased from all XXXX credit reporting agencies ( XXXX Experian XXXX. I have attached below these letters I am referring to. I am sure there will be another letter on its way because there was a total of XXXX accounts with XXXX XXXX to include XXXX Jewelers not included.
Consumer complaint received 2015-04-07
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Dream Center Education Holdings (AL)

I ATTENDED BROWN MACKIE COLLEGE IN XXXX ALABAMA FROM XXXX, FOR XXXX MONTHS, I WITHDREW IN XXXX OF XX/XX/XXXX I AM TRYING TO ENROLL IN ANOTHER INSTITUTION TO CONTINUE MY EDUCATION, BROWN MACKIE COLLEGE STILL HAS PENDING DISBURSEMENTS FOR ME WITHIN THE COD SYSTEM.I HAVE SPOKEN TO THE XXXX SEVERAL TIMES, AND SENT XXXX EMAILS, SHE RESPONDS TO ME THAT THERE IS NOTHING THAT SHE CAN DO ABOUT IT.
Consumer complaint received 2015-10-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (NC)

I have been receiving over XXXX calls a day from a Car Finance company that goes by the name XXXX located in XXXX NC. This company has been leaving very detailed information about customers loan status as well as personal information on my business voicemail. I have given the company a verbal and documented Cest and Desist letter. But I 'm still receiving the calls and even text from this company. The reps have stated they were given my business number as a number for personal contact. I know this to be untrue because my number is associated with my small business and the only reason to call it is for questions concerning my business. The numerous calls over and over and at anytime of the day and night is harassing and my next steps involve me contacting my local police department to file a complaint for harassing phone calls. I do not have any financial ties with this company and I would like them to be investigated about why there leaving other customers loan info on my business voicemail.
Consumer complaint received 2015-06-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

This is in regards to Portfolio Recovery Associates. They started calling me XXXX years ago about a debt I had never heard of before, claiming it was from XX/XX/XXXX or XX/XX/XXXX, or somewhere around there. I told them I never had a credit card with the company they said was the original creditor ... so they said, it used to be another bank ... and I had still never had a card with that company. I asked them to send me something showing what this was actually for and they refused, said they could n't. When the next person called I said the same thing ... send me some paperwork because I do n't owe anything to this company. This person said I would have to submit in writing and they would send me a form, which I never received. Months later another woman calls and again refuses to send me anything, saying they have nothing they can show me, but is demanding my bank account number over the phone to pay them off. I asked her if she would give her bank account number to some random person that called and claimed she owed them money. She was yelling at me and I finally hung up on her. This same woman continued calling me for months being very rude and arguing with me. I stopped answering the phone eventually. Then I did n't hear from anyone for a couple of years. Then I started getting calls again from all different numbers, which I now never answer. They call a few times every couple of months and this is frustrating ... I do n't want to receive these calls forever.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-10-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I spoke with XXXX XXXX regarding a debt that Midland was attempting to collect that was beyond 7 years old. He advised me the account was open in XXXX & charged off in XXXX. I advised him that it is now XXXX and that under state law the debt is no longer valid. Additionally I received no notice from them regarding it and it is also not showing on my credit report. When I ask for proof of the debt he danced around the question several times attempting to talk me out of it before he finally consented. He also danced around disputing the debt. 
They have also not attempted to reached me at my registered phone number and have instead been harassing my parents at both their home and work numbers.
Consumer complaint received 2024-08-08
Product: Credit reporting 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. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2015-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

After being hospitalized and losing income I was evicted from XXXX XXXX in XX/XX/XXXX. I paid a settled amount in XXXX XXXX that was agreed on via a money order. I was told the item would be removed from collections and I would receive a letter from them showing a paid in full. Neither happened. 5 years later this continues to show up on my credit report and I ca n't rent an apartment because of it.
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (DE)

My loan was recently purchased by Nationstar mortgage. My XXXX statement includes late fees of {$1200.00}. I am trying to dispute this amount. Nationstar claims that the fees transferred from the previous lender, however, I have disputed this as I have my payment history and had no late payments from XXXX mortgage either. XXXX claims the fees transferred from a previous lender. I am trying to refinance this mortgage and need to have these fees removed.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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 XXXX 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 2015-09-09
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

During my year long job search I was contacted by what seemed to be a legitimate company to fulfill a Shipping Supervisor role. I was to fulfill purchase and shipments to set up new offices here in the states. I was a bit skeptical but did some research and could n't find anything online that would give me a red flag. They were to pay off my cc so I could begin making purchases on my card for which they would reimburse me. They gave me a XXXX XXXX Account # to use to pay off my card. Decided to call XXXX XXXX to make sure it was a legitimate account. They were no help and guided me to get in touch with the Fraud Dept at Capital One. On XXXX XXXX I had a 20 minute conversation with the Fraud Department at Capital One ( my cc account ) to discuss the venture and make sure I was n't doing anything wrong or fraudulent. They assured me the account was a Corporate Account from XXXX XXXX and that everything appeared legitimate. Ok, I thought, The Fraud Dept gave me the go ahead and I proceeded to pay off my account with the XXXX XXXX Account information. A couple days later it went through and I had a XXXX $ balance. Great, just as expected. I made XXXX purchases over the next couple weeks and paid off my account each time waiting until Capital One showed a XXXX $ balance before I proceeded. Until XXXX day the funds were taken back out of my account. I thought ..How could that be? No one has access to MY account to take money out? I called up the bank again XXXX XXXX XXXX ) and they explained the funds were taken back out from the XXXX XXXX Account. They told me I did not have access to that account. I assured them I did. I have it in writing in an email as I explained the first time I spoke with the Fraud Department. How is that possible? They then told me that they do n't actually have the funds in my account like they show me and let me believe the funds are in my account. In essence, all XXXX purchases I made, in addition to the original paying off of my account from this XXXX XXXX Account were taken back out. On XXXX XXXX I had another 27 minute conversation with the Capital One Fraud Department letting them know that they screwed me over on this after I spoke to them 8 weeks earlier to make sure I would not be defrauded. They never told me that I could not stop money coming back out of the account if my NAME was n't on the account. They never told me that just because they showed money in my account and it has cleared that they do n't actually have the money. XXXX very deceptive ). I did my due dilligence in calling the Fraud Department in the first place. They are the professionals. They should 've alerted me to watch out for X because your name is not on the account and money can be taken back or let me know that just because they show that the account has cleared, it actually has not.