davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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. (TX)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2017-07-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NC)

I had a vehicle financed through TD Auto Finance ( formerly Chrysler ). I tried to get them to refinance the loan due to the high payments and me being unemployed at the time. They refused, I took the vehicle to the location that I purchased it from and let them know that they could pick it up form there. The vehicle was auctioned off and the remaining balance was charged off to the tune of {$10000.00} in 2011. Every other month they list the account as Open and add {$20.00} or so dollars to the balance. I have had XXXX XXXX to try to get this corrected and even filed disputes with the credit bureaus. They still add charges to the account. This is the original creditor, they have not sold the debt to a collector and they have made no attempts to contact me. I offered them {$500.00} as a settlement and they would not accept it. They did let me know that the balance is around {$1000.00} when I called them. I just do not understand how they can keep adding to the balance and the account was charged off 6 years ago and they have not attempted to contact me. They have invested no resources into trying to remain in contact with me.
Consumer complaint received 2016-08-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION (SC)

I do n't see my exact issue listed but I have yet to be contacted regarding a " medical debt ' that this company is supposedly trying to collect. The only way I know about this 'debt at all is through a credit alert I recvd on XXXX via XXXX XXXX. Upon checking into it I discovered XXXX for XXXX XXXX XXXX XXXX had just been turned over for collections and this agency had reported that to both XXXX and XXXX. Thing is- the date of service was XXXX/XXXX/2011!! And despite no communication for over 5 years - they now try to collect a debt that may not even be mine! Its been so long that not even the hospital can tell me what the charge represents nor can Central Finance- but they wasted no time reporting to credit bureaus. I 've lodged disputes with credit bureaus but nothing is going on. Can you help??
Consumer complaint received 2017-01-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Well my bank still has not resolved my current complaint with your organization and now I have ANOTHER different issue with them. My dad made a XXXX deposit CASH into what was my savings account but it got switched to a secondary checking account because of too many transfers. This cash deposit was made on XX/XX/XXXX before XXXX. I transferred over XXXX of the funds to my actual regular checking account on XX/XX/XXXX, to cover a small debit purchase and a check for XXXX that my new landlord was holding for our security deposit. No checks were pending or presented on XX/XX/XXXX. Mid morning XX/XX/XXXX, XXXX the transfer from our one checking account to our other checking account of CASH was shown pending and tbe check was pending. Later that afternoon the check was returned even though the cash was in there and available because. I was even able to make my debit card purchase with the transferred funds on the XXXX. There was NO REASON TO RETURN THE CHECK and charge us XXXX fee. Also, dad told the bank teller he wanted the funds to go directly into our regular checking account but she placed it in wrong account. Further more we had to waste time and gas getting funds out by ATM to give a money order to new landlord. we now owe him a fee that his bank charged him. Additionally, we had to pay another XXXX stop payment fee, so we did not have more mess if his bank tried to redeposit it. The customer service lady claims that the stop pay is not guaranteed but took the money. It better be gauranteed and the check should have never been returned in the first place. Our bank notorious for this kind of stuff. Thank you.
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (IL)

I cancelled an online bill payment to XXXX XXXX online on XXXX/XXXX/16 ( just the occurrence on XXXX/XXXX/16 ; not the entire series ). This payment was still taken from my account through US Bank 's online bill pay system on XXXX/XXXX/16.
Consumer complaint received 2016-11-12
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: WELLS FARGO & COMPANY (MA)

Got behind on my credit card, got put into a program with XXXX to pay off my credit cards. Wells Fargo has received written communication about that and I have updated all the info to use them online. I get between XXXX-XXXX calls a day from this number ( Wells Fargo ). This has been going on for a month and it is abuse. Do not contact me anymore.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc. (TX)

I was deceived into credit card charges of {$26.00} ea. month when I thought it was for {$1.00} for a credit report from experian. I 've tried, for well over a year, to get experian to stop charging my credit card. I 've called, more times than I can count, reported this to my credit card company and even cancelled the card ( twice ) and requested a newly assigned account number. Somehow, experian still charges the card ... every month. When I call them, they tell me different stories. They hang up after long hold times, say they 're going to cancel the charges and do n't do it or they might say they ca n't find the account and it goes round and round ... wasting my valuable time and money. They will not stop charging the card! I do n't know what to do and then I wondered how many others have had this same problem. So, I searched and found many others! I 'm thinking I need an attorney but this is ridiculous ... right? I found there are class action suits and experien needs to be listed. I left a message with XXXX. I 'm going to try to find one or create a suit to get money for all my wasted time or months I could n't call and they charged me. It takes time ( I do n't have ) on the months, when I call my credit card company, for me to continually request they take the charges off. But they keep telling me to call and stop the charges through experian. I 've spent hours and hours on the phone. XXXX XXXX does n't seem to be able to block them from charging each month. It 's like I 'm caught in some twisted twilight zone  episode of the ruthless, greedy and relentless stalking company ... '' experian! '' I 'm so tired or taking to representatives, supervisors etc ... who do nothing to stop these charges. Please help me. Something needs to be done to stop this.
Consumer complaint received 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Brennan & Clark, Ltd., LLC (CO)

XXXX XXXX, of Brennan & Clark Ltd., told my receptionist that they are going to take over my bank account, and that was going to drastically affect " her '' paycheck. He also asked her if we ( my company ) were closing up the business or taking out bankruptcy. 
I thought this was illegal? He has no business telling anyone about " my '' business. 
Not only are they harassing me and my employees, but the amount of the debt was in dispute with the person I owe this money to. We have resolved the issue and they have worked out a payment plan with me.
Consumer complaint received 2016-11-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (NH)

I applied for a refinance of my home mortgage with Freedom Mortgage on XXXX/XXXX/2016. Finally closed on XXXX/XXXX/2016. I received numerous requests for the same information. Delay after delay. Incorrect information on documents sent to me numerous times. A request for a letter of explanation from my employer for an error caused by Freedom Mortgage. I sensed a delay in wanting me to get frustrated and walk away from the refi due to the slightly lower interest rate and my adding cash at close in order to increase my equity and eliminate the need to pay for mortgage insurance.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-06-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monarch Recovery Holdings, Inc. (MI)

A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for XXXX. 

They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to. 

The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I 've had contact with Capital One Bank regarding charges being charged to my account that I disputed for day one. Capital One contacted me and informed me that a request to XXXX XXXX disputing the charges were submitted but XXXX advised them that the charge was correct. I disputed the fact that the charge was being paid in bankruptcy not that I was not aware of the charge. Capital One is now saying they can not request the funds back to be credit to my account. This dispute has been going on for two year with no results or support for Capital One. My credit card had a credit limit of XXXX how could a charge for XXXX be approved and when dispute the fact that the charges are being paid in bankruptcy, Capital One refuse to handle the dispute even when they agreed on receiving proof that the charge from XXXX is being paid in Chapter XXXX Bankruptcy. Capital One continues to allow a charge that is over my credit limit remain on my account although they agreed they have proof that the charge is being paid in Bankruptcy. Capital One is reporting false information on my credit report and approving a charge over my credit limit that I dispute.
Consumer complaint received 2016-07-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Receivables Performance Management, LLC (CA)

HI. Last year about this time you helped me to solve this problem with XXXX collecting agency, I have case number with you which is XXXX now I got letter from different collecting agency named.RPM.LLC.www.rpmpayments.com.phone XXXX for same case, and I have till XXXX/XXXX/2017 to respond.XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am reaching out to file a complaint on Experian, XXXX and XXXX about an item on my consumer report that, by law, should not be reported. These institutions are currently reporting an item, and I would like to address it. On XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report.

This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that XXXX, XXXX and Experian cite the specific law that requires them to report a transaction as a late payment. 

The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( 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 to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. 

I am requesting that Experian, XXXX and XXXX provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. 

Furthermore, I have attached documentation from XXXX XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. 

I am formally requesting the deletion of all transactions marked as late on my consumer reports.
Consumer complaint received 2024-10-14
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. (MI)

I received a garnishment disclosure dated XX/XX/year> in re : transactions that were not made by me. The fraudulent amount totals {$360000.00}, plus fees, I never gave written consent to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, nor XXXX XXXX XXXX ( XXXX ), to report or furnish my information on my consumer report or any other entity.
Consumer complaint received 2024-10-14
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. (CA)

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 XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, has violated my rights . 

I looked at my Experian credit report on XX/XX/year> 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 suppose 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.
Consumer complaint received 2024-10-14
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. (MS)

I am writing because I want to formally request the removal of specific accounts from my credit reports that are reported by all three credit bureaus ( Experian, XXXX, and XXXX ), because these accounts were included without my express written permission. According to 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report under certain conditions, including having the consumer 's explicit authorization or consent. I did not provide such authorization or consent for the inclusion of these accounts listed on my credit report. 

The following accounts should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I respectfully ask that these accounts be removed promptly to comply with federal law. Please provide confirmation that these accounts have been deleted from my credit reports.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened up XXXX mortgages with HSBC. Part of the agreement for getting a preferred rate was to open also a XXXX XXXX and deposit {$100000.00} which would get an interest of 0.01 % because they were giving me such a great mortgage rate. They also said if the account dropped below $ XXXX that I would be penalized {$50.00}. Since the loan and the account were connected it was assumed that when I refinanced with another bank that the stipulations would end with the mortgage loan from HSBC. But, it turned out that they continued to deduct $ XXXX/month for 2 months after I ended our mortgage relationship. Point2 : It was an exchange of interest points between lower mortgage rates and a LOW interest rate on my money to wash the cost of the money against $ XXXX sitting idle in the account. Point2 : The account and the mortgage were linked and should have been separated when I move my banking. Point3 : I spoke with XXXX XXXX XXXX who basically said it did not matter that I moved my mortgage that the account has a mandatory limit regardless of the mortgage position. This makes no sense to me, I 'm not a banker.
Consumer complaint received 2024-10-14
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. (TX)

Please be aware that some false information that has been mistakenly validated as accurate appears on my credit record. No changes have been done, even though I've given proof that shows the information is false. 

This is against the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which requires credit reporting companies to look into and fix mistakes. I want this situation looked into again right away, and I want the false information removed.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IL)

Before my loan was acquired by Freedom Mortgage, XXXX was collecting escrow from me without paying the state. At the end of the year, I was sent a check from XXXX with the entire amount I was paying them, from which I used to pay my outstanding taxes ( which XXXX mistakenly did not pay ). I never paid escrow again to XXXX mortgage. 

While I was fixing the problem, my mortgage just happened to be sold to Freedom Mortgage. Freedom Mortgage paid my property taxes, without any money in my escrow account. They paid the state a much larger and very incorrect amount which they are now basing my escrow analysis on. 

I 've recently received an updated Escrow Analysis which incorrectly states the total {$1800.00} as a COUNTY TAX. If your team had read my previous e-mails above or listened to any of the previous recorded calls, you would know that the Tax Correction form states a total of {$740.00} as a county tax. Your incorrect escrow analysis states that my monthly payments due will increase from {$470.00} to {$1100.00} starting in XX/XX/XXXX. This is a monthly payment that will be extremely difficult for me to afford. 

This is entirely a problem created by both XXXX and Freedom Mortgage. XXXX failed in setting up my escrow account after I closed on my home and then sold my mortgage to you while I was in the middle of fixing the problem. Freedom Mortgage has repeated failed in fixing the problem and you have continually dragged your feet in getting the job down quickly, to the point where now you are stating that my mortgage payments will increase by 135 % This has been an ongoing issue since XX/XX/XXXX. FM 's customer service department appears to be clueless to the situation when I call, missing e-mails, attachments, and facts from previous calls. Every call I have to re-explain the situation and am given no solution but to either call back another time or re-send a previous e-mail. I am simply trying to pay the CORRECT escrow amount without going bankrupt.