davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo is allowing someone named XXXX XXXX, whom I do not know and to whom I have not given permission, to use my telephone number for some type of Wells Fargo service. Wells Fargo has called my telephone number on multiple occasions, despite my repeated demands that they cease and desist from doing so. 

I have no business relationship whatsoever with Wells Fargo, and I owe Wells Fargo nothing.
Consumer complaint received 2016-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (MA)

I changed my bank account in XXXX 2016 and alerted Sallie Mae and changed my bank account number in their system and deleted the old account. I updated all auto-debit setups. First, in XXXX 2016 XXXX student loans went to the old account ( auto-debit ) and were declined. Now in XXXX 2016 the XXXX student loan ( also auto-debit ) went to the old account and was declined. I received notification on XXXX/XXXX/2016 that the charge did not go through and started receiving collections calls the same day ( even though I immediately paid all that I owed and the next month ahead as soon as I was notified ). I called customer service the same day ( call was recorded ) and the customer service rep admitted she could see no record of this other account and could n't understand why this other account had been charged. She helped enroll me in auto debit again and yet still my account does reflect the accurate information. There is no record of my pending payment, nothing ( even though the customer service rep could see I had a pending payment ). Sallie Mae 's systems are woefully out of date and the customers should not be punished for their shortcomings.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I made two payments to Capital One and those payments were debited from someone else 's checking account. I called to ask when this account was added to my account. They could not tell me. This checking account did not belong to me. There has never been a record of my account being paid from this account. Yet they could not provide me with an answer of why my payment had been taken from this account. This in my opinion is some type of fraudulent transactions on my account, yet they could tell me nothing. Their only solution was to credit the account the money had been taken from by " mistake '' and then debit from my original checking account that has always been used to make payments from. They suggested that I change my login information. I only hope the person whose account was mistakenly withdrawn from did not suffer any hardships.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate and incomplete. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
1. Account opened in XXXX/XXXX/XXXX however no payment history from XXXX. 
2. Account sates no last payment. Account states first delinquency in XXXX. However, payment shows payment received in XXXX. No account history from XXXX XXXX current.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TN)

I attempted to purchase a mobile text gift card through XXXX with my paypal account. The payment did not authorize but it still came out of my Paypal account as a pending transaction. I called XXXX and XXXX told me to contact PayPal. Paypal then told me to call XXXX and tell them to void the transaction because it 's not authorized. PayPal stated they wo n't give me my money back for 30 days. I 've filed several complaints about purchases I have not received or that was not authorized and they wo n't give me my money back. For once I would like my money back after I complain about not receiving an item. The invoice number is XXXX.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

Experian refuses to discuss this issue with me. 
I have been unable to access or correct my credit report with Experian for more than two years. I recently received a notice of credit denied due to Experian, and I would like to correct errors on my report.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved immediately
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: STONEGATE MORTGAGE CORPORATION (OH)

I was attempting to apply for a " partial release of real property '' with Stonegate Mortgage. I began by contacting them onXX/XX/2016.I was told by XXXX that I needed to do several things such as 1. get a new survey 2. appraisal 3. history of my mortgage payments 4. sales contract 5. tax information. I began to do these things. XXXX/XXXX/16 I talked to XXXX XXXX XXXX at Stonegate and was told I needed Form XXXX. He emailed me a copy of form XXXX that day. I continued to work on the application. On XX/XX/XXXX I talked to XXXX XXXX XXXX. He sent me a copy of the survey in their records of my property. I was also told for the first time that nothing would happen unless I sent a letter to Stonegate requesting the partial release. I sent a letter out that day. I also received an email from XXXX XXXX XXXX with a account of my payments to Stonegate Mortgage. On XXXX/XXXX/16 I had my package prepared except for the new survey which was completed on XXXX/XXXX/16. Now on XXXX/XXXX/16 Stonegate sent me an email that my loan was stating transferred on XXXX/XXXX/16. They could not do the partial release. The email also said I would receive a letter before XXXX/XXXX/16 advising me of my new servicer. I did not receive the letter by XXXX XXXX. I called XX/XX/XXXX and was told it would arrive within the week. I did not receive the letter today XXXX/XXXX/16. I called Stonegate and was told my loan would n't be transferred until XX/XX/XXXX. But they also could n't do the partial release either.I am waiting for a call back from a supervisor. I have this all documented. My loan number is XXXX. My phone number is XXXX. My buyer is getting very anxious as I am. It has been 5 monthe of runaround on this. Please help! Thank-you.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Sent Experian valid police report and they verified the account under a fraudulent address. They then deleted the fraudulent address : XXXX XXXX XXXX XXXX, XXXX FL XXXX. 
I requested the account be re-disputed as fraud now that my credit report is correct, and they stated they will never dispute the account again even with that change. To contact the source. 

I am requesting that they start a new investigation.
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. (FL)

XXXX XXXX XXXX Account number XXXX PLEASE BE ADVISED THAT EXPERIAN IS IN VIOLATION OF FEDERALY LEGAL RIGHTS In accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : You are legally required under 15 U.S.C. 1692 ( b ) and 15 U.S.C. 1681 to conduct a real, thorough investigation not a superficial, automated process through XXXX forms and XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

Hi there I had an issue getting my free annual credit report this evening I believe my report is being blocked, held due to discrimination and not only that I never put a credit block in the system on my behalf understand for so long I couldn't understand why I was not able to apply for things without any problems it's because this Credit bureau is purposely going an extra mile to block my report also they're sharing and providing my personal information in a identifying manner to have other citizens impose as if they are me apparently someone tried to stop me from getting an apartment, loans, and openings new things by blocking my credit report I had an issue years ago with this same problem when I lived in another state to where someone / these credit bureau had a credit block in the system I never put in for then I had to write a lot of certified letters to get it unblocked also the online system https : //www.annualcreditreport.com is not accurate with their tactics to retrieve an online free credit report as it states I never had a problem with getting my report many many years ago until they started targeting certain people I can't move into an XXXX XXXX a block on my reports I also lose money from companies trying to run my information after I paid a application fee not knowing they are working against me to set me up to pay fee after fee lastly the company is forcing me to send in a request by mail for my hand writing to be mastered used to forge my identity to other claiming to be me it's very inconvenient to be sending in request by mail you have to under am XXXX and it's hard for me to do regular hand writing motions then I have to wait weeks for my report thankyou
Consumer complaint received 2024-10-13
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. (KS)

I am writing to file a formal complaint against the credit reporting agencies, including Experian, XXXX, and XXXX, for their failure to adequately handle disputes regarding incorrect information on my credit report. As a XXXX  veteran, I am particularly frustrated by their failure to properly investigate and remove medical debt that should not be reported. 

Over the past several months, I have attempted to dispute multiple inaccuracies on my credit report, including medical debt, which I believe should be removed due to its improper reporting. Unfortunately, the credit reporting agencies have failed to provide adequate information about the results of my disputes. In some cases, they have not conducted the required investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Furthermore, there are times when these agencies have not allowed me to file disputes online, restricting my ability to correct the inaccuracies in a timely and convenient manner. 

Despite my good-faith efforts to resolve these issues, the credit reporting agencies have not fulfilled their legal obligations, and the inaccuracies remain on my credit report, causing me unnecessary harm and stress. As a XXXX  veteran living with the challenges of medical debt, this situation is particularly distressing, and I believe the credit reporting agencies are not adequately addressing my concerns. Specifically, some collection debts have not been verified by certain agencies but remain on the credit reports of others. Despite this inconsistency, these debts are not being properly investigated or removed across all reporting agencies, as required by law. 

I am requesting that the CFPB investigate these matters and hold the credit reporting agencies accountable for their failure to comply with the FCRA. Specifically, I demand that they be required to conduct proper investigations into my disputes, provide clear and comprehensive results, and remove inaccurate medical debt from my credit report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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 seven 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 2024-08-14
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)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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. XXXX USC XXXX 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! 


XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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


This is XXXX XXXX XXXX and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-05-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Portfolio Recovery Associates , LLC ( PRA ) is a junk debt buyer claiming I owe them {$480.00} for a charged off XXXX Bank XXXX credit card. On their collection letters PRA claims to be the creditor for this account, as evidenced in the upper right side of their collection letter to me, dated XXXX XXXX, 2014. PRA has never extended credit to me. 

On XXXX XXXX, 2014 I requested proof of validity of the original debt, itemization of the account establishing an accurate accounting and proof they had a legal right to collect the debt. I received a letter from PRA, dated XXXX XXXX, 2014, again stating they purchased the account, the balance was {$480.00} and that the seller, XXXX, provided them an electronic file of their business records concerning this account. PRA neglected to provide me with any copies of said file or proof of any of the items I asked for. I also disputed this account with the credit reporting agencies, PRA updated the account as accurate. 

On XXXX XXXX, 2014 I sent PRA a Notice Of Arbitration Election via XXXX as described in the XXXX Cardholder Agreement, a legally binding contract, that was in force at the time this account was opened. The Agreement states this is my right, that XXXX or anyone they transfer or sell the account to is REQUIRED to participate. I felt at this point it was the only way to settle our differences. They refused to respond. 

After reading The Consent Order between you, CFPB, and PRA I realized there was a discrepancy between XXXX charge off amount and the amount PRA claims I owe them. The charge off amount that XXXX reported on my personal credit reports is {$230.00}, {$240.00} less then PRA is trying to collect. XXXX has stated they do not provide any warranty as to the validity or accuracy to the accounts contained in electronic files that they sell. 

Portfolio Recovery Associates , LLC is violating the terms of the Consent Order, the FDCPA and Minnesota law. They have complete and total disregard for the law and the consumer. 

PRA can no longer collect this debt in court, in accordance with Minnesota Statutes Of Limitation. However PRA 's entry on my credit reports is n't scheduled to be removed until next year, unnecessarily causing me financial harm. I do not believe they have a legal right to collect this debt. 

There are XXXX other accounts PRA is trying to collect from me with the same circumstances. I will file separate complaints for them.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I the company Experian have not reported my three accounts with the company XXXX  for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. I have requested to Experian to correct problem and they have not tried to fix and I was told it was done.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-11-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

In XXXX, my XXXX Credit card was stolen or lost. I attempted to report this. I continued to receive bills for the full amount. I was willing to pay the portion I was responsible for, but not the amount charged after my card turned up missing. 

After several attempts to resolve the issue with no resolution, I stopped making payments on the account. 

In XXXX, I started receiving harassing phone calls regarding this debt. I explained the situation and told the company I am contesting the amount of the debt. I would pay the amount I owed, but not the amount charged after the card was stolen or lost. 
The company ( Portfolio Recovery ) continued to harass me throughout XXXX. I sent a letter contesting the amount owed. 
They continued to harass me by attempting to call using at least a dozen different numbers. I eventually ignored the calls and refused to to speak with them because they refused to acknowledge my contested amount due. 

Now, in XXXX ( XXXX XXXX ), I received a letter from MY XXXX XXXX XXXX SON 'S bank stating that HIS funds were put on hold. My son has a XXXX. He is XXXX. He does XXXX XXXX. However, he did manage to graduate high school in XXXX of XXXX. There had been only XXXX deposit in this account, his graduation gift money. 
I am ONLY on his account for information purposes since it 's XXXX ( in person or on the phone ) with people he does not know, and since he does XXXX XXXX, I am ONLY supposed to be on this account to speak on his behalf when he is unable. 

I called the debt company this morning asking how we can resolve this issue and they were very rude and condescending. I was told that they would NOT take the hold off of my son 's account. I am in the process of providing proof that the deposit in his account is 100 % his money, none of it being mine. They still could n't guarantee that they would remove the hold or even " take '' all his money from the account. 

I then offered to send them the amount of the hold : {$590.00} ( even though this is a little more than what MY original charges were ) just to have them leave my son 's account alone. Again, they refused to remove the hold and will " take '' HIS money. 

I have two other bank accounts in MY name alone, and yet they go after my XXXX son 's account to remove ALL his money. This is simply not fair. I tried to resolve this with the company and they would not offer me any tangible solution for this issue. 
I 've done my research on this company and I found they have a pretty bad reputation as to their means of " attempting to collect a debt ''. 

Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

There are several discrepancies with my personal information. The following does not apply to me : I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : XXXX XXXX XXXX