davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Incorrect information is still showing on my credit report that I received today when I went to buy a car. 1 ) I had a car loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX. The car payment were made and paid in full as was agreed to under the terms and condition. After car full payment which was in XX/XX/XXXX, The loan lender ( XXXX XXXX XXXX XXXX ) released the car title to me acknowledging all payment made in full. This car was never repossesed or taken to creditors. I paid the car as was agreed to with interest as was agreed under the terms and conditions. Experian is incorrectly reporting / in my credit report that this was sent to creditors and states that payment was never made in full. How did the bank give me the title for the car in XX/XX/XXXX if the car was never paid in full? I logged complaint back in XX/XX/XXXX with Experian, XXXX and XXXX yet the incorrect information is still being reported. <P/>2 ) Experian is reporting an address that I have never lived in on my credit report : an address that i do n't even know who lives in, an address that I have never been in, do n't even know the location and yet that address being stated on my credit report, never lived there, do n't know anybody that lives in that address, never been on that address not once. i am willing to testify on this in court and under oath
Consumer complaint received 2024-08-09
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (TN)

Suntrust Bank has continuously reorganized transactions that are on my account to ensure that they are able to get multiple ovedraft fees for transactions. They have even left CASH DEPOSITS pending and not posting to my accounts causing fees to happen. They will take transactions that have been pending for days ( with smaller balances ) and reorder them and process a newer larger pending transactions so that all the funds that are allocated and supposedly already being held for current pending transactions are used. So now there is an OD fee so when the funds that are held on pending transactions are freed, they are eaten up by the OD fee causing the ALREADY pending transactions that are ( Previously authorized for payment with funds taken from available balance ) to not be able to be paid and Overdraft. I was charged a {$36.00} OD fee for a {$94.00} charge because I only had {$94.00} available at the time. I was charged {$36.00} for a {$0.00} differential. This has happened before on my account. There was a {$20.00} cash deposit pending when this happened as well. So why was my deposit of CASH not processed? If my {$20.00} CASH deposit was processed I would have been able to cover the {$.00} as well as the subsequent {$15.00} Gas charge that I also received a {$36.00} OD fee for because it was not money there. Well I apologize the {$20.00} CASH deposit was and is still pending. So now my account is overdrawn {$69.00} which is {$72.00} ( XXXX OD fees ) +XXXX+XXXX+XXXX= XXXX - ( {$20.00} Cash Pending ). I have checked and honestly due to Overdraft fees for reorganizing drafts and transactions and holding deposits ( CASH DEPOSITS ) I have paid in excess of {$1000.00} in Overdraft fees to date. I have already paid these fees to keep from having to pay the extended fee but I truly feel like paying {$36.00} for {$0.00} makes me feel like I have been XXXX by the bank and no one cares. Why could this not be a courtesy reversal. I called and had absolutely no complaint about the {$15.00} charge and Overdraft fee. I know how unethical and unconcerned this bank is for it 's customer 's welfare. They are more concerned with the dollar amount. I would like to be refunded my {$36.00} for that {$0.00} differential as that is extremely excessive abuse of the OD fee penalty. This has happened previously with a OD fee for a charge less than {$.00} and they gave a credit so I am no longer eligible for any future credit according to XXXX the Rep and the branch. This is a horrible horrible bank and they are sharks at prey. If I make mistakes I NEVER complain but this is horrible.
Consumer complaint received 2024-08-09
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-07-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

FedLoan should have all Notes with the dates and the Reps I spoke to. In the beginning of the year I was going back and forth filling out different applications to get a low monthly payment plan. Apparently I accidentally applied to have no interest on my payments for 1 whole year. I said " Wow so I do n't even have to make a payment for a year '' THE REP SAID NO!! I specifically said to every single rep I spoke to I do n't want this to hurt my credit they assured me it would n't. The beginning of the year my credit score was XXXX now it is XXXX because of them!!! If they would have told me your credit is going to be affected, I would n't still been making payments. Now I ca n't purchase my own house like I was planning to XXXX XXXX when my lease is up at the apartment. Please please help me I need to purchase my own home immediately.
Consumer complaint received 2016-07-01
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Tidalwave Finance Corporation (FL)

I received over five phone calls yesterday from Tidalwave Finance. I am 11 days late. I have given dates for payment which was accepted by one loan officer and then I get a call today. They called all my references and my hr department and are continuing to call me today.
Consumer complaint received 2017-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: STATE EMPLOYEES CREDIT UNION (FL)

I sent bank statement to this app to try and get money in advance .... it 's been since XX/XX/XXXX or XXXX 2017 and I have not received any money. I just wanted to know what 's taking so long??
Consumer complaint received 2017-08-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (GA)

XXXX XXXX XXXX XXXX attempted to foreclose om my property when my first mortgage is current, i dispute owing XXXX XXXX XXXX XXXX any amount and the assignment that they are using to foreclose, i feel is fraudulent and clearly robo signed. XXXX XXXX XXXX XXXX has yet to respond to my notice or qualified written request.
Consumer complaint received 2016-07-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (KS)

I want to get information on the credit union I had a car loan with .My payments on my mail did not reflect the payments towards my vehicle at the time of my lease. The amount own on the vehicle still reflected the buyer amount from 3 years prior.I fully did not understand the conditions of the loan if it was only a 60 month loan to pay the car off.My car was also taken back from the credit union and returned to me but still stated on my credit report repo.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through XXXX, transunion and XXXX XXXX i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.
Consumer complaint received 2017-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

XXXX XXXX mortgage was transferred to Shellpoint Mortgage Servicing. Received a letter dated XXXX XXXX XXXX from Shellpoint stating the flood insurance was NOT required for my property though it was mandated by the previous mortgage company. <P/>Shellpoint 's letter indicated that if I wished to have flood insurance removed from my escrow account, I needed to notify them in writing. The flood insurance policy was canceled by the original mortgage company at the transfer of the mortgage account. <P/>On XXXX I sent an email to the Shellpoint account indicated to have the flood insurance removed from my escrow account. I received no response from Shellpoint. On X/X/17 I sent a second email informing them of the same. Again, no response. On X/XX/17 I made a third attempt at notification with no response. <P/>I recently received an Annual Escrow Disclosure Statement from Shellpoint dated X/XX/17 which still listed monthly payments from the escrow account for flood insurance.
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of
information, other than records of convictions of crimes which antedates the report by more than 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-09
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. (NY)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (PA)

I applied for a XXXX dollar loan and with interest I paid total XXXX. The apr was XXXX. The finance charge was XXXX. From researching I found out that this company might not be licensed in the state of Pennsylvania to be conducting loans like this. The loan started XX/XX/XXXX-XX/XX/XXXX. My checking account was debited every two weeks for XXXX  up until XX/XX/XXXX which that last payment was XXXX.
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

Good Afternoon, I recently filed a complaint about our mortgage, Ocwen and how they wo n't re-evaluate our mortgage and the monthly payment. We are on the HAMP program, which is supposed to lower our payment but because of a miscalculation of of escrow last year, we are now paying way more! I have enclosed a copy of an accrued amount which is applied to our principal. They did n't include our hazard insurance and we had a surplus to our escrow and now they realized it and now we are paying more. Also the wo n't help is because the investors ca n't. We are also paying more for what our home is worth. I also made an appointment with the relationship manager, XXXX XXXX, for today to discuss some payments options, but no call. They are also constantly sending us paperwork to do a short sale and or foreclose. We are making our payments with the late fees, because we are late, but they are still sending us paperwork. Also they have a person taking pictures of our home. It 's not like we are not making our payments. My previous complaint number is XXXX. Ocwen promises that they will keep you in your home but does n't come through as it says on there website, statements etc. Thank you.
Consumer complaint received 2016-07-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Resolution Corporation (MD)

I have asked Account Resolution Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-07-01
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: CSO Financial (OR)

Yesterday, on XXXX/XXXX/16, I called CSO Financial, INC/ Credit Services of Oregon with a question regarding the itemization of a bill with their company. During my initial contact, CSO financial released Personal Identification Information on the phone, before verifying who they were speaking with, including birth date, address, and name. I explicitly requested them not to disclose such information, that I would provide verification of those details myself. In response, the collector laughed at my request and continued to provide Personal Identification Information. I asked to speak to a manager regarding this situation. He then transferred my call to another collector 's voicemail. I returned the cal a minute later, and my call was immediately transferred to voicemail, without being picked up or acknowledged. 
I called back a third time through a different phone routing option and asked immediately to be transferred to a supervisor/manager, and was transferred to a voicemail box. I left a detailed message. I have yet to receive a return call. 

I feel that CSO financial may be inadequately securing consumer personal information, and I am concerned that there is no recourse within the business to escalate
Consumer complaint received 2016-10-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NV)

I am a victim of the bank restructuring debits to maximize overdraft fees. 

I had an ACH transaction process on XXXX/XXXX/16 for {$1000.00} it was initiated on XXXX/XXXX/16 at the company 's website. I made a debit purchase on XXXX/XXXX/16 at XXXX for {$27.00}. When I got home I checked balances at XXXX XXXX/XXXX/16 I saw both ACH and debit I had an available balance of {$26.00}. I took pictures of screen with date and time stamp. 

On XXXX/XXXX/16 I was charged a {$35.00} overdraft fee for ACH debit and {$27.00} for debit total - {$65.00}. 

I opted out from overdraft fees. The balance should have shown a negative balance so I could have corrected it at XXXX or if it was the ACH debit which overdrew the account the {$27.00} debit should have been declined at the store. I was led to believe everything was fine with the {$26.00} available balance being shown with both debits. 

They are ripping consumers off.
Consumer complaint received 2016-07-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (AL)

This is the third action I have pursued regarding Equifax reporting of Hard inquiries. After XXXX complaints to them, they reported on XXXX XXXX 2016 that XXXX is reporting no inquiries, see attached, but NO corrective action was taken on their part to remove this bogus entry from my report. What 's more, they claim that they can report my credit status ( hard inquiry ) under virtually any conditions. " If you apply to have certain services, such as utilities ( gas, electricity, water, etc. ) phone service, XXXX, your application, whether verbal or in writing, generally allows the company to make credit inquiry ; and '' So if someone claiming to be me for some anonymous company requests my credit information they can get it!!! This is unacceptable, with today 's public records all you need is a name a birthdate to obtain all info including but not limited to my SS #. 

THERE MUST BE LAWS WHICH REQUIRE CONFIRMABLE CONSENT for such information. 

I have no idea who XXXX is nor do they have a record of an inquiry, however, my credit record is damaged and obviously, Equifax has no intention of correcting the records without written proof from me or XXXX saying remove the entry. 

This is an example of how difficult, no virtually impossible it is to have erroneous entries removed from a consumer credit record. As indicated in the attached document XXXX they accept no responsibility for correcting their error. 


I DEMAND THAT THIS AND OTHER ENTRIES WHICH I DO NOT ACKNOWLEDGE BE REMOVED FROM MY REPORT!!! 

What 's more, I will pursue congressional action to place strict access limitations on this information.
Consumer complaint received 2016-07-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (OR)

In a recent review of my credit report, I noticed that SW CREDIT SYSTEMS L.P has placed an erroneous and derogatory entry, claiming that I owe them {$230.00} I have no account with them, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since SW CREDIT SYSTEMS L.P saw fit to place this item on my credit report, they obviously have all the information they need in order to investigate and correct there error. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please also be aware that a sworn affidavit from there compliance officer does not constitute a valid validation of this debt. 

Please also be advised that this letter is not only a formal dispute, but a request that they cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 

I also hereby reserve my right to take private civil action against you to recover damages.