davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
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. (MD)

I recently reviewed my Experian credit report and noticed an outstanding education loan serviced by XXXX that does not belong to me. The amount of the loan was {$24000.00} as of XX/XX/XXXX and originated on XX/XX/XXXX for {$20000.00}. I disputed the account with Experian, but they told me they verified with XXXX that the information is accurate. I contacted XXXX on XX/XX/XXXX and a representative told me they could find no accounts associated with my social security number. They suggested the loan had been transferred to another servicer and advised me to contact the Department of Education, which I did immediately. The representative at the Dept of Education could find no outstanding student loans connected to me.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am in the process of trying to refinance my two Mortgage Loans that are presently with XXXX XXXX XXXX ; a first mortgage and a HELOC. 

Unfortunately, the 3 Credit Reporting Agencies will only show information provided by XXXX that shows both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

This is playing havoc with my FICO scores and credit history. It is making it extremely difficult to obtain a new Mortgage when the current Mortgage Loans are not being accurately reported. Moreover, any potential new lender doesn't even know what the current payoff amount would be. Should it be {$0.00}, since that is what XXXX is reporting? 

I have a First Mortgage with a balance of {$260000.00} that started XX/XX/XXXX, and a Home Equity Line of Credit with a balance of {$150000.00} that started XX/XX/XXXX with XXXX XXXX XXXX XXXX for a total mortgage debt of {$410000.00}. As noted herein, both accounts were open in XXXX, but not at the same time - and both should reflect a perfect payment record with the 3 Credit Reporting Bureaus. But they do not! 

I filed a Chapter XXXX Bankruptcy in XXXX of XXXX and all debt was discharged and closed in XX/XX/XXXX, including the two XXXX XXXX mortgages. XXXX XXXX  the current lien holder for both mortgages, will not report any financial information to the 3 Credit Reporting Agencies, because a Letter of Affirmation was never executed within the first 60 days after the initial XXXX meeting with the Federal Bankruptcy Court ( Federal Rule Bankruptcy Procedure 4008-A ). 

I spoke with several people at XXXX XXXX, the latter part of XX/XX/XXXX and they could not or would not help. That is their policy and at present there is nothing I can do to have them reconsider their position. The 3 Credit Reporting Agencies will only show information provided by XXXX that indicates both mortgage accounts are Closed, there is {$0.00} balance and there has been No Payment since XXXX of XXXX. 

The information reported is totally inaccurate and does not reflect that I have been making on-time payments for the last 13-14 years, since the loans were originated. I have filed disputes with all 3 Credit Reporting Agencies - that were fruitless. So now I am turning to you.

However, attached, you will find 2 documents provided to me by XXXX that contradicts what they report and does show my excellent payment history for both accounts. I also included the latest monthly Statements provided to me by XXXX.
Consumer complaint received 2018-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ameritech Financial (IN)

Ameritech Financial, and or XXXX XXXX XXXX XXXX ( XXXX  ), lead me to believe they were a loan servicer for the Department of Education. I had no idea they were not a legitimate servicer until I received a noticed from the Federal Trade Commission in XX/XX/XXXX, stating Ameritech Financial/XXXX  is being sued by the FTC for deceptive practices. I immediately tried to login into my FAFSA account, as noticed stated to do, only to find the password I last known it to be, had been changed and non of my verified information was up to date. Upon much needed research, I called Student Loan Support Center on XX/XX/XXXX, when a gentleman named XXXX helped me to gain access and control of my FAFSA account. He also confirmed the lawsuit was legitimate and the following fraudulent activity. I had no idea that on XX/XX/XXXX, Ameritech Financial/XXXX filed an IDR on behalf stating I have XXXX children, XXXX other dependents, and an annual income of {$43000.00}. Which is a complete lie. I have never wanted children nor do not have any children, I was single and living alone, and earning {$45000.00} at the time. Then, on XX/XX/XXXX, they re-certified the XX/XX/XXXX IDR stating I had XXXX children and XXXX other dependents with an annual income of {$49000.00}, and that I worked for a public service company. Again, do not have children, nor dependents, I have never worked for a public service company since I have been out of college, and I do not believe they filed the correct annual income. From XX/XX/XXXX to XX/XX/XXXX, Ameritech Financial/XXXX charged me fees totaling {$3800.00} ( attached ) for services the government apparently offers for free. While Ameritech Financial/XXXX acted as a sponsor, they used the following service agents to process fees : Global Client Solutions and Account Management Plus, in connection with Reliant Account Management. Ameritech Financial/XXXX enrolled me in federal programs that I did not qualify for leaving me no capability of actually paying down my loans, and or the accumulating interest causing me {$3400.00} in capitalized interest ( attached ). These unlawful and defrauding acts of defamation, along with consumer and systematic abuses, has caused me immense pain and suffering, emotional distress damage, and mental anguish. I feel extremely violated, embarrassed, grief, XXXX, and XXXX. Not to mention the hours of research and time this whole process has taken away from my means of making a living. I am an accountant, this is quarter end, and making time to address this unfortunate situation has been an impediment on my career.
Consumer complaint received 2024-10-05
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment history reflects several late payments, including 30, 60, and 90, 120-day delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies. 
Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies. 
Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-12-30
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A. (TX)

On XX/XX/2023 a PNC representative called informing me of fraudulent charges totaling {$1400.00} on my PNC paysource card. He said it had been deactivated and would send a new card. I sent the dispute form with the charges listed. I received a notice stating they found no errors and that I had voluntarily authorized payment. I called to dispute this decision and was told that they had no record of my previous dispute. She said she would send another form to me and I should be timely with returning it. I never received it, but did receive another notice stating that there were no errors. I called back and a representative was able to verify the disputed charges, but couldn't tell me how to proceed. I asked to speak to her supervisor. This employee told me to send in a signed letter with the case number and last four digits of the card. She also gave me names and numbers of the businesses, and suggested that I call to get my money reimbursed by them. I faxed a letter to the number provided by the supervisor emphatically denying authorizing the charges and have a confirmation that it was received. I've heard no response in three weeks.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My wife XXXX XXXX has been dealing with XXXX for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have 2 cards with Capital One and both are Quicksilver cards. One ends in XXXX and the other ends in XXXX. My issue with the card ending in XXXX is that my credit union attempted to pay my bill and it did not go through, causing me to be late by 3 days with my payment and Capital one charged me a " Past due fee '' of {$29.00} which they are refusing to reverse. The other card, ending in XXXX, was recently charged a {$39.00} annual membership fee which I was told a year ago, would be permenantly reversed. When I asked about this, a supervisor asked me for the name, ID and badge number of the associate I spoke to, then acted like there were no notes of my conversation with them. First off, how would I know a person 's ID and badge? Next, they have waived this fee every year since I got it, as I was offered a card without a fee first.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX, Transunion, and XXXX To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX   XXXX  Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-30
Product: Vehicle loan or lease — Loan
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: Carvana Group, LLC (CA)

On XX/XX/23 I RECIEVED A APROVAL from carvana to purchase a vehichle through carvana on XXXX XXXX XXXX  aplication process. After about a month of continued hassles, delays, phone conversations, online chats, and procrastination on carvanas part I was finally able to get the aplication to go through or so I thought. Carvana even made me purchase a insurance policy on the vehichle I was going to purchase but in the end they never sold me the car.1st when I made contact with the carvana team within 48 hours of getting the APROVAL the lady was nice sh instructed me to pick out a car and run my car of choice through the online system, she said that it would take about twenty minutes and then she congratulated me and I was on my way. I picked a car out and started the aplication process but it was paused for ( issues with my terms ) error message! I RECIEVED that error for a week then it changed to ( we are having trouble verifying your identity ) which is the error that I am getting to this 1st : I have spent hours on the phone several different times with XXXX who carvana was trying to blame for the problem that was causing the error. 
A specialist that worked for XXXX made a bold claim that carvana was not being honest about selling me a car that there was nothing preventing carvana from selling me a car that involved XXXX 
2nd carvana never sent me a notice in the mail giving any reason why I was being denied carvana financing! 
3rd : carvana made me purchase an insurance policy on a vehichle they where supossed to sell me but never did!
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2018 my lawyer sent a complain to Experian regarding a collection item listed on my credit report from XXXX XXXX. In the letter, they explained why the item is not valid and that it should be deleted and investigate. Experian then wrote me a letter stating that they have removed the item from my credit report but after a few days, I received an email notification stating that the item has been listed on my credit report and this came without any type of explanation from Experian stating why the item was re-listed on my credit report or a summary of the outcome of the investigation that they conducted with the original creditor XXXX XXXX.
Consumer complaint received 2023-12-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IN)

Received a prepaid Amex gift card from my job. I have tried to use the card at numerous locations in store and online, card keep declining. I check the balance on the card and it says active and the entire balance is on the card. I am unable to use it. I called the Amex phone number XXXX and all it give you a generalized response as to why transactions are declined, but offer no resolution except that we should try with another merchant.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (FL)

NFCU Charged me interest on my card even if I made more than enough payment. I have an outstanding balance transfer which is up to date and purchased something online less than {$15.00}. Before the due date I made a {$350.00} payment and still charged me interest.
Consumer complaint received 2018-09-08
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. (KS)

Experian won't remove an incorrect item off my credit report. I never owed the amount. Online retailer never properly refunded returned clothing, then piled on late fees. I never owed them anything.
Consumer complaint received 2018-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (MD)

I went to XXXX XXXX XXXX XXXX in GA which was not my regular doctor. Prior to seeing the doctor, I asked the in-take person at the front desk to call my insurance to verify that I would be charged the usual {$30.00} co-pay as a normal doctor 's office visit ONLY. I waited while she verified the charges with my insurance. She said she was told that the charges would be the usual {$30.00} co-pay and so I agreed to see the doctor and paid the {$30.00}. About a month later, I started receiving a bill stating that I owed {$160.00}. I call them up and also called my insurance and the insurance said how they coded it was incorrect and I told both the insurance and XXXX XXXX XXXX XXXX that they need to figure it out and that I would not be paying the {$160.00}. XXXX XXXX XXXX XXXX turned it over to collections to a Creditor called XXXX XXXX XXXX ( XXXX ) XXXX and they reported it to the credit bureaus and not this is impacting my credit score and I am buying a house. Please help me. Thank you! ( XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and invasions of individual privacy.

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all adverse remarks for the following accounts : 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 XX/XX/XXXX BAL : {$5900.00} As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have sent Capital one bank several letters asking for proof of this item being mine. They keep sending me letters requesting the same documentation that I have sent to them. I need this Deleted off of my 3 credit reports because they do not have any validation of this account being mine. original signed documentation with this account belonging to me.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Dates : XX/XX/18 and XX/XX/18. Company : Experian. Problem : Completely inadequate phone/web services for lifting a freeze on a credit report.

Trying to execute a temporary lift on the freeze I have on my credit report. Calling customer service provides NO option to talk with a live person, refers you to their website, and abruptly hangs up. Automated phone options only offer two options : to order a credit report or inquire about fraud - neither of which satisfies my needs - ( XXXX ) XXXX. I called the business division since nothing else was working and received a very rude explanation about how Experian is silo'ed and the business division can do nothing to help me. That rep hung up on me - ( XXXX ) XXXX. Going through the Experian website, for the last two days I have selected the option to 'lift or remove ' a freeze on my credit report. The link is dead and takes you to a page that simply says 'loading ' but never loads. Option should be functioning for all browsers. https : //www.experian.comXXXX I went through the website to get a 'one-time PIN ' for my creditor to use to access the credit report. My creditor tried to use that PIN said it was kicked back and did not work. Horrible, frustrating service that renders the consumer unable to lift freeze on credit report. Please see XXXX reviews regarding Experian. More than two dozen reviews, only one review has anything but 1 star for all the same reasons noted above. The horrendous level of customer service reaches beyond inconvenience and is potentially damaging to consumers.