davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-31
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is fraudulent though your company claims to have verified this Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery is aggressively attempting to collect a debt I discharged in bankruptcy. They are reporting this debt on my credit report as an active collection. I notified them of this 2 months ago yet they refuse to remove this from my credit report.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NC)

I found fraudulent activity on my credit report in XXXX, 2015. 
I disputed the information with the XXXX credit bureaus and filed a fraud alert. 
I also called the XXXX creditors to report the fraud. ( Chase, XXXX, and XXXX XXXX. ) The companies said the accounts were being closed due to fraudulent activity. I have never heard anything else back from them. I have tried to call back and am unable to reach anyone with a record of my dispute. 
The fraudulent activity is still being reported to all XXXX credit bureaus and I have tried to dispute this information again. The companies ( XXXX, XXXX, and XXXX ) do not investigate the fraudulent activity. They call the creditors to verify it is my account and then close my dispute. They are not investigating the fraudulent charges on my account. I have not made any purchases on these accounts. ( Chase, XXXX, XXXX XXXX ) nor any payments. My credit file shows payments being made on these accounts as well, and I have checked my banks statements for the last two years and have not made any payments on any of these accounts. 

I received XXXX transaction history report from chase which was about XXXX pages long and I did not make any of the purchases on the report. 

I have not heard anything else from any company.
Consumer complaint received 2015-05-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a Home modification in XX/XX/XXXX with Bank of America ( BOA ) ; the mortgage at that time was {$1000.00}. I was placed on a trial period ( XX/XX/XXXX to XX/XX/XXXX ) with a reduced payment of {$620.00} while it was being determined if I qualified for the modification. I have never made a late payment at any time of paying for my home. 
In XX/XX/XXXX I was notified that I did not qualify for the modification. 
In XX/XX/XXXX I started receiving foreclosure letters from BOA for the amount of the difference of the original mortgage payment and the reduced trial payment. 
In XX/XX/XXXX I wrote a letter to XXXX XXXX, CEO of BOA. In the letter I voiced my concern for the threat of foreclosing on my home and for the erroneous reporting to the credit bureau. I could not believe what BOA was doing, especially when I was given permission to make reduced payments. Not only did they threaten to put me in foreclosure ; they reported to the credit bureau late payments, for the months of XXXX through XX/XX/XXXX ; I was outrage. 
I received a response to my letter from BOA dated XX/XX/XXXX. In the letter I was told that my application would be reevaluated. 
I received a response letter from BOA dated XX/XX/XXXX. This letter stated I was approved for the loan modification. 
Later the next year my loan was sold to another mortgage company.
Consumer complaint received 2015-05-20
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CA)

I purchased XXXX prepaid Visa Gift cards from XXXX on XXXX/XXXX/2015 issued by US Bank. I found out a week later the funds were liquidated fraudulently. I informed US Bank on the number of the back of the Visa Gift card. Weeks later they request additional information but gave me very little time to send it. I then faxed the information in XXXX. Today they said they never got the information and closed the case on XXXX of the cards because of insufficient information and closed the case. I have the fax receipt showing that I did send it in. The other card I still have not heard any information.
Consumer complaint received 2015-05-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (IL)

In XXXX 2014 I entered into a settlement agreement with GM Financial. The terms included making XXXX of the past due balance and the account will be settled. Terms also included removing past negative marks and tradelines on my credit report. GM Financial has completely removed the prior payment history on XXXX however they have not honored the agreement to remove the tradeline from XXXX, XXXX and XXXX. It 's been a year and I would like the credit reports updated immediately per the settlement. last XXXX SS : XXXX
Consumer complaint received 2015-05-20
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Patient Account Services, LLC (MS)

i was admitted into the hospital XXXX XXXX XXXX XXXX XXXX through the emergency room on or about XXXX XXXX, 2014 I receive Medicare/Medicaid and gave the hospital my Medicare/caid card I was in the hospital for 4 days Medicare/caid paid for my emergency room visit and hospital stay and they notified me of that fact, another company contacted me name Patient Account Services ( PAS ) address XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX phone XXXX stating I owe for emergency room services in the amount of {$1100.00} to XXXX XXXX XXXX XXXX. XXXX XXXX date XXXX/XXXX/2014 and that they was reporting this account to the credit reporting agencies XXXX, XXXX and XXXX I did in fact inform these people that Medicare/Medicaid had in fact paid XXXX for my emergency room visit and hospital stay for XX/XX/2014-XX/XX/2014 and mailed them proof. I also informed them that they were committing Medicare fraud and that they were trying double/bill me to steal XXXX from me and i told them to cease and desist their fraud, they informed me that I could go to jail for non-payment of this debt ASAP and they did in fact report this fraudulent debt to the aforementioned credit reporting agencies and destroyed my credit, this is a fraud and this company is engaging in Medicare fraudulent activity against a vulnerable adult who is XXXX
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have a Bank of America credit card which I have had for XXXX20 years. I have a credit score of XXXX and a credit limit of {$12000.00} just for your information. I have never owed them money as they allow me to pay in advance so I always have a small overpayment. On XXXX XXXX, they decided to refund my credit overpayment of {$200.00} and charged my account for that amount. The check which they mailed to me took so long to come I called to complain and the customer service department told me they could stop payment on the check and issue the refund to my personal bank account. They issued a refund and then debited my Bank of America Credit card and refunded my card and debited it so many times like bouncing balls but I know I am still out {$200.00}. I 've spoken with XXXX people at BOA who ALL told me it is their fault and a refund will be coming. But today XXXX XXXX at the Escalation Dept. told me I wo n't be getting the money. I will not let this rest I am also going to contact XXXX XXXX the CEO of BOA. Imagine how they treat people with less stellar credit. It 's a disgrace.
Consumer complaint received 2015-05-20
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Amcap Investments, LLC (TX)

I applied for a VA loan and the underwriter from AmCap Mortgage set a condition of my loan to provide medical documentation as proof of documentation as an extenuating circumstance of credit difficulties. Additionally, as a condition of the loan I was asked to provide documentation of upgrades done to my home that has been over 9 years past. Additionally, we have been asked to provide evidence of property listed as for sale or rented to support my military XXXX move in 2006, which is over 9 years ago. I beleive the underwriter is asking for obsolete and unatainable information as set conditions for a loan.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

I had a doctor 's bill from XXXX that I was supposedly served a judgment on in XXXX but it was n't until XXXX until the judgment actually went through at the court ( I 'm probably using the wrong terminology but I hope you understand what I 'm trying to say ). The problem is, the address they supposedly served me at in XXXX I was no longer living at. I was in the middle of moving and I ca n't remember the exact date I moved from XXXX address to the other but I 'm 99.9 % sure I never received notice of this. 

Last year I pulled a copy of my credit report and noticed this and reached out to the collection agency and asked what I could do to clear this up. I was told the balance was around {$700.00} but if I paid {$500.00} they would have it removed. I paid it and a few weeks later I found out this was incorrect. I was then told by the President of the collection agency ( XXXX XXXX ) that if I paid the remaining balance it would be removed. At this time I paid {$360.00}. Once again it did n't come off but I did get a refund check from them a few weeks after this for {$150.00}. Supposedly the amount in their own system was inaccurate and they billed me the wrong amount right up until this point. 

The amount entered into the judgment is incorrect. The original balance was {$1000.00} but after making over {$400.00} in payments & two years later ( well, 4 years until it was entered at the court ) the balance was STILL {$1000.00}. The same amount to the cent. 

XXXX XXXX ( the president of Amerifinancial Sollutions ), XXXX XXXX ( the Director of Finance at XXXX XXXX XXXX ) and XXXX XXXX ( the attorney for XXXX XXXX XXXX XXXX are all in agreement that the amount ( s ) for the bill have been inconsistent and wrong since the beginning and this should be removed. XXXX XXXX has written a letter I have sent to Equifax and XXXX XXXX has written XXXX ( & I also sent this to Equifax ) and to date they have refused to remove this. I 've written to them probably XXXX times over the past year and every time they refuse to do anything about this ... even when given information from the collection agency that what they are reporting is inaccurate. 

Every single person and company associated with this bill has been trying for close to a year to have this removed and every single request has been denied by Equifax. The debt was wrong, the original creditor and collection agency are in agreement on this & here it is over a year later and Equifax is continuing to report inaccurate information and continuing to damage my credit.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (FL)

Received a call from XXXX about suspect acct inquiry. They cancelled card, and issued a new XXXX. On XXXX/XXXX/2015, I made a " freecreditreport '' request with Experian. Provided identifiers, they said that I had already requested a recent credit report ( had n't for well over a year ), that I would be charged {$1.00}. Because XXXX call, I agreed for the {$1.00} charge, even though I know I had not requested a free report recently. I got the report the same day/time. While reconciling our XXXX XXXX account on XXXX/XXXX/2015, I noticed a charge on XXXX/XXXX/2015 for {$21.00} from Experian Creditreport. I contacted a live person with Experian, with the assistance of a XXXX XXXX representative. She said that I signed up for credit monitoring, and I did n't cancel before the end of the " grace period ''. I informed her that I only wanted the free credit report, and reluctantly agreed to the {$1.00} charge even though I had not requested a free credit report recently. She again told me that I had not " cancelled '' within the grace period, but she would " cancel '' my account. She refused to provide a refund of the {$21.00}. First, I have not requested a free credit report in well over a year, I should have been entitled to a free report. Second, I did not knowingly sign up for " credit monitoring ''. I am generally pretty conscientious of " reading the fine print ''. If that was somehow buried in the web page that is very deceptive to the average consumer. {$21.00} is not going to break me. How many times has Experian conned consumers out of {$21.00}, or worse if consumers do n't reconcile their credit card accounts every month. Require Experian and other credit bureaus to accurately represent prior free credit report requests, and if they are equally abusive to the public to clearly state what services they provide and the fees to be charged for those services.
Consumer complaint received 2015-05-20
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Monday morning at XXXX, I received a unknown number leaving a voicemail in a aggressive manner that if I do n't call back they will have someone pick me up where I live. It 's a payday loan from cash central. My bank account I had was closed at the time because they kept trying to take money out causing it to closed. Now they saying by XXXX XXXX, I can pay {$680.00} or {$100.00}. I never even received no email or letter. So I think they are lying and I do n't appreciate them calling my XXXX house threatening me and rushing to make a payment. Their are tons of people who owe {$4000.00} payday loans and getting away with it.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

As part of a divorce settlement, I signed a Special Warranty Deed, drawn up by my attorney. According to the State of Texas, I am no longer an owner of this property and not responsible for making payments. My ex-husband does not show enough income to re-finance the home in his name only, so my name is still on the mortgage documents with Wells Fargo. In XX/XX/XXXX and XX/XX/XXXX, the payments were made more than 30 days late. This is now reflected on my XXXX credit score. My score dropped for the high XXXX 's to XXXX due to the late payments and will remain so for seven years or longer. Due to the low credit score, I am unable to get a loan for anything, have been turned down when applying for an apartment lease, would not come close to qualifying for a loan for a home for myself and my XXXX children, and could be harmed when seeking new employment. I have, in essence, been held responsible for a debt I no longer owe according the the laws in Texas. I contacted the XXXX credit bureaus to dispute the derogatory comments on my reports.While they did not remove the items, it is listed as " disputed '' on each negative item. On XX/XX/XXXX I contacted Wells Fargo bank to explain the situation. While I am not expecting them to remove my name from the mortgage, I do expect them to report to the credit bureaus that I have made a formal complaint and remove the derogatory comments. Their reply was that they could not do anything help me. Their advice was to contact my attorney and force the sale of the home. I do not have the {$7500.00} deposit required to hire yet another attorney to force the sale of the home. The mortgage still has 15 years remaining until paid in full. This means that for the next 22 years my credit could reflect a negative comment every time the mortgage payment is not made on time. I am being punished for the bad acts of another with no chance of relief without spending thousands of dollars I do not have.
Consumer complaint received 2015-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CO)

I submitted a request in writing to Green Tree Lending on XXXX XXXX for a home appraisal to be done to drop the monthly PMI insurance payments from my loan. The loan to value ratio of my home is below 80 % which per my mortgage contract affords me the right with an appraisal to drop the payment. Green Tree Lending scheduled an appraiser and they performed the appraisal on XXXX XXXX. It is now well over a month past when the appraisal was done and they can not provide me any information on the status of the appraisal and they are continuing to charge PMI despite me having the appraisal done.
Consumer complaint received 2015-05-20
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. Auto Credit Corporation (AL)

Reporting incorrect information on XXXX credit reports.This is not my account and I have sent XXXX letters as well as telling them to removethis account from my report. Auto Credit has been reporting this false information for over 7 years.
Consumer complaint received 2015-05-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (CA)

In XX/XX/XXXX my ex spouse and I were purchasing a car, where GM financial required me to co-sign on the loan. In XX/XX/XXXX we split and I called GM to take my name off of the car loan as I was not a primary borrower. For a while account was not reporting on my credit but my ex let the loan go and the car was sold out at the auction. GM tried to go after me for a balance as they claim and up to this date they are harassing me with calls and letters trying to collect on the account which is NOT mine. I requested a validation of debt and they fax me a copy of XXXX stating that debt was a charge off and they filed a XXXX in my exs name. However, they are trying to collect on this charged off, cancelled debt from me in the amount of {$12000.00}. I disputed this account with all XXXX credit bureaus, however GM is still reporting this account with outstanding balance, which is hurting my credit report in a major way. They are refusing to report the balance to be {$0.00} even though it is a charged off, and cancelled debt with XXXX filed to IRS, and they are refusing to remove this account from my credit report, which it should not be reporting in first place since I was NOT a primary borrower on this car loan. I have written XXXX letters to GM by now and have called several times and all my cries and requests for deletion of this unfairly and un accurately reporting account went ignored.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-31
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. (NY)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-31
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. (IL)

I noticed a vehicle from XXXX XXXX  that I do not own and says that I owe XXXX. I am a victim of identity theft and I also noticed other credit cards and loans that are on my credit report that I'm not responsible for.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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.