davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2024-10-09
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. (GA)

Unauthorized inquiries unexpectedly showed up on my credit report today, and I have no clue why. I did my regular check, but this time there were discrepancies that I couldnt explain. I refreshed my browser hoping it was a glitch, but the inquiries didnt disappear. I urgently want this issue resolved as Im incredibly frustrated. Please review the documents Ive sent thoroughly so I can stop worrying about this once and for all.
Consumer complaint received 2018-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (GA)

Re : Erroneously Classified Defaulted Perkin Student Loans I would like to report suspicious activity and/or an alleged scam on behalf of XXXX   College at XXXX XXXX located in XXXX XXXX Massachusetts. I am applying to graduate school and to my surprise I discovered through a FAFSA email on XX/XX/XXXX that I am ineligible for federal student aid because I have student loans in default. According to the XXXX XXXX, I have two Perkins Loans in default, as last reported on XX/XX/XXXX. Loan 1 is for the amount of {$2000.00}, disbursed on XX/XX/XXXX Loan 2 is for the amount of {$1500.00}, disbursed on XX/XX/XXXX. These loans were acquired while I attended XXXX College at XXXX XXXX at the age of XXXX.

I am questioning the practices that were employed on my behalf, when I was an underage non-traditional XXXX XXXX. I am unaware that these loans were not included in the forbearance/deferment programs my federal loans are under. To date, Ive never received any repayment communications from XXXX  College at XXXX XXXX and/or their associated loan servicers. XXXX College at XXXX XXXX Financial Aid department has had consistent staff turnover, and the Financial Aid Director has changed each school year. I have never seen or signed my financial aid paperwork in-person at the schools office or been given any copies of digitally signed documents. In addition, my financial aid package fluctuated each semester, covering a different portion of my tuition and fees, with unclear processes to continue my enrollment.

I am unable to locate these loans in order to petition the default status and make subsequent appropriate repayment arrangements. These loans servicer, according to Federal Student Aid, is XXXX College at XXXX XXXX and the listed phone number to contact is XXXX   Therefore, I contacted the XXXX College at XXXX XXXX  Financial Aid office onXX/XX/XXXX. I was referred to XXXX XXXX to resolve my problem. I followed up with the number I was provided with. I then discovered, XXXX XXXX is no longer a company and these loans were transferred to XXXX XXXX. Next, XXXX XXXX informed me that my account has been transferred to Transworld Systems Inc. According to Transworld Systems Inc, my account is inactive. I am now in jeopardy of a wrongful lawsuit or wage garnishment from a debt collector/ loan servicer to no fault of my own.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

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 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc. (CA)

I obtained an auto loan back in XXXX in the amount of XXXX for a XXXX XXXX XXXX XXXX XXXX. I was able to pay on the car until XX/XX/XXXX. I spoke to CPS on several occasions and told them I am no longer able to pay the XXXX because the car requires too much maintenance. They told me to ask family, friends, etc or try to obtain credit just to repay them back. I explained I have exhausted all of my resources to try and repay the loan. CPS refused to hear me. They call me non stop, thousands of times a day, 7 days a week harassing me for the outstanding balance. They made threats of coming to repossess the vehicle. I told them to come and get it. They lied and still won't come and get it. I asked them to come and get their vehicle. They won't come and get it. I asked them to grant permission for me to have it taken to a cash for car place and they said no they want the money. They don't care just as long as they get the money. They just want to harass me daily. They have also harassed my daughter and had their employees call pretending to be attorney 's threatening to file court petition complaint. I am tired of being harassed by CPS.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Omni Financial Corp. (FL)

I had an auto loan with my then husband with World Omni Financial Corp. My husband was delinquent on the loan and on XX/XX/XXXX gave verbal consent for World Omni Financial Corp to take the vehicle. When the company called me, I told them I would trade the vehicle in and have the auto loan paid off. I was able to do that, World Omni Financial Corp received their check. I requested the " notes '' of the phone call on XX/XX/XXXX done by both myself and my husband. They refuse. I have been literally begging them to provide me with the transcripts of the phone call. I'm due in court and I desperately need those notes taken to clear my name. please help
Consumer complaint received 2024-10-09
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. (NY)

Please DELETE the XXXX the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 

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. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-09
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)

This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-10-09
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. (MO)

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : Account : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

The company XXXX also has violated my rights. 

I've also looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

From phone # XXXX Supposedly Wakefield & Associates Unknown debt This phone number continues to harass my phone number even though I have the number blocked. I have not received written notification of this debt/collection to date. 

XX/XX/XXXX- 13 calls XX/XX/XXXX- 4 calls in less than an hour XX/XX/XXXX, my phone received 12 calls I have blocked the phone number due to the amount of spam/scam reports. My phone keeps a log of the blocked calls.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My credit report has an address on there that does not belong to me. I've spoken to an agent three times and also sent a fax requesting the correction to be rectified three time on XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/2018 along with document of my driver license and social security card and yet the information has yet to be corrected. In fact, the correct address was deleted and the incorrect addressed remained after the first fax request which prompt me to send out additional request for the correction. After speaking to 3 different agents along with sending 3 fax request you would think the information would be rectified promptly!!!
Consumer complaint received 2018-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX is reporting this account to Transunion Ive already reached out to Transunion explaining to do a thorough investigation. Im going to attach these documents with this signature that is not mine from a contract that was sent to me. I want this investigated again. The amount keeps going up on my credit report I dont understand how they keep jacking the price up on this zombie debt thats not mine.
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

On XX/XX/2017 I paid my XX/XX/XXXX property tax payment directly and faxed my receipt that day to Amerihome. On XX/XX/XXXX I called and they confirmed they had received the receipt and that within 2-3 weeks the escrow account would be reviewed and any excess amount would be returned to me. It's been over 3 1/2 months and I not received a check. They claim on XX/XX/XXXX ( why so long?? ) they sent me a check for {$2900.00}. I called on XX/XX/XXXX and said it did not arrive and they claimed to have issued and sent another check but it has not arrived and they want me to wait another week and a half per customer service today. I asked for an overnight check and she said they can't do that, I asked for a supervisor and was hung up on. Altogether I have called 6-7 or more times since XX/XX/XXXX.

They have not treated me with basic decency and I believe they are purposefully keeping my money.
Consumer complaint received 2018-04-17
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: LendUp Loans LLC (CA)

This states a loan was opened in my name on XX/XX/2014. I have no knowledge of this loan or company. 

Company Name Flurish INC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I obtained a credit report for my first time in many years and am reviewing it. It says I owe {$520.00} dollars which is wrong. I need to get this resolved with your help.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The XXXX law offices of XXXX, in XXXX sent a " judgement letter '' to my home saying I owe " Bank of America '' XXXX dollars. This was opened ( checked credit report ) in XXXX XXXX?? I never got or my parents, since they get the mail here, and I would have known about this card for Bank of America. and why now the dispute or this case, which I have no knowledge of. They now put this report into my credit report?? as of yesterday, after I wrote the back and told them this account is NOT mine. and it was NOT in my credit report?? This account was opened in XXXX XXXX, Texas?? I lived in PA at that time. According to the report they added, this was taken out in XXXX of XXXX I did go to XXXX XXXX that year of XXXX and returned to PA in XXXX?? I have no idea who would open a card in my name. I lost my card there twice! ( in XXXX ) and my phone was stolen as well, and had to retrieve my social security card after I got back to PA. There is no way I could have opened up a Bank of America Card?? Something I have no idea of. I need the law firm to investigate this since I do not own this card or ever have. I have also a credit card which was never used at a " XXXX XXXX XXXX  '' opened as well?? ... which is not mine, and I never applied for this either. I believe I have been the victim of some stupid identity scam. I reported this dispute with the Credit report companies as a dispute? I know what and who I owe, but not this card or the other
Consumer complaint received 2018-04-18
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. (NE)

I have contacted this company twice and they refuse to correct the errors on my report. They are indicating the information is accurate. The 2 other credit reporting agencies have corrected my report. I have asked them to remove incorrect names on my report.

XXXX XXXX XXXX - This is incorrect I have no knowledge of who XXXX XXXX XXXX is nor have I ever been related to or associated with any with this name.

XXXX XXXX XXXX - This is an incorrect spelling of my last name.
Consumer complaint received 2018-04-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Thaxton Investment Corporation (TX)

I received a payoff balance from the store directly. I then proceeded to pay it off using the online service. With o communication from them after the fact I have noticed that there is still a balance reporting to my credit report and they now call me asking for money on an account I paid off and say the balance they told me was not correct and it's different if paid on line and they don't know why it's not showing paid off and the last specialist I spoke to seemed confused about what was even showing on my account.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

1st Issue : Our mortgage was bought by another company during our time working overseas. As such we received notification late as result missed a payment on mortgage that we have had for 10 years and never missed a payment on. Due to our payment history on the mortgage and result of the mortgage changing ownership, don't think its fair to report the missed payment to credit bureau. Would like cfpb to look into removing this from our credit record. 

2nd Issue : We have had the mortgage for 10 years on 30 year mortgage and mortgage company is still reporting 30 years to maturity. We filled several letters to correct this still haven't.
Consumer complaint received 2018-04-17
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/XXXX, a dispute was initiated with Experian Credit reporting agency and XXXX CRA regarding a collection that appeared on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I explained to the representative that I have been a victim of identity theft. This company excessively reports to the agency over 4 times within the past 15 days. The information reported has not been accuarately verified by Experian. On XXXX XXXX XXXX, I spoke with Representative XXXX from Experian, she is unable to provide the details of who from XXXX XXXX XXXX XXXX verified the account represented. I was not provided with the full name or spelling, address on the account. She states " we '' Experian send the information that is on the credit report electronically, and the company responds back regarding accuracy, electronically. I asked to speak with a manager, XXXX said " that is not going to happen. ". I believe the account is being reported inaccurately and unverifiable.