davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX My complaint is in regard to Experian XXXX and XXXX XXXX. Dating back to XX/XX/XXXX I appointed A credit repair company known as XXXX XXXX XXXX to repair my credit, XXXX automatically sent dispute letters. to me My job was to sign my name and then sent these dispute letters to XXXX, XXXX  and Experian.after I have been corresponding these dispute letters to all 3 agencies, However all 3 agencies have not been abiding by the law. In XX/XX/XXXX all 3 agencies responded and exclaimed that they could not identify who I was. This was not true because I enclosed copies of my drivers license, social security number, and a credit card bill. I hope you can contact all 3 companies and make them abide by the rules. if they need more info they should contact me at XXXX XXXX or XXXX instead of disposing of my letters with a redundant excuse. Your sincerely XXXX XXXX
Consumer complaint received 2019-04-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

I have had a current and good standing account with American Honda since 2012 and The loan is almost complete however I attempted a goodwill phone call to them to have my late payments removed from credit report. And was just told " no '' .. I feel this is unfair.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

On XX/XX/XXXX, I made a second mortgage loan with XXXX XXXX XXXX. On XX/XX/XXXX, my loan was sold to XXXX XXXX  XXXX XXXX, and on XX/XX/XXXX, the loan became serviced by Shellpoint Mortgage Services. I was never notified that my loan was being sold to XXXX XXXX and serviced by Shellpoint. Shellpoint has a history of not sending statements timely, which led to my loan becoming late over several months. I spoke with Shellpoint numerous times to rectify the problem but no resolution was reached. Per Shellpoint, they use a third party to prepare and mail mortgage statements. I have done whatever I can to work with Shellpoint to keep my account current. I recently received a Notice of Default and Intent to Accelerate dated XX/XX/XXXX, and postmarked XX/XX/XXXX, stating an amount of {$300.00} was due within 45 days. I also received a monthly billing statement dated XX/XX/XXXX, postmarked on XX/XX/XXXX, stating total payments due was {$470.00}. Another statement dated XX/XX/XXXX, postmarked XX/XX/XXXX, stated {$480.00} was due. In the meantime, I had sent {$100.00} on XX/XX/XXXX and {$280.00} on XX/XX/XXXX. Neither of these payments were processed timely by Shellpoint. The {$100.00} payment was posted to my checking account on XX/XX/XXXX, and the {$280.00} was posted on XX/XX/XXXX. So apparently, payments are sitting at Shellpoint for a long period of time before being processed. From a phone call with Shellpoint on XX/XX/XXXX, I found that the remaining balance of {$100.00} would be coming due on XX/XX/XXXX. I have not received a statement for that amount. I asked to speak to a manager regarding these issues, and I made the {$100.00} payment over the phone, which now brings my account current. My problem is that I received a Notice of Default letter when it clearly looks to me like the problem is with Shellpoint not providing timely statements. To me, this looks like an unfair and deceptive collection practice. Also, Shellpoint is making harassing phone calls to me six times a day, after I have already asked them not to call me because my line of work ( truck driver ) does not allow me to answer the phone without the possibility of losing my job. I have also been charged a late fee of {$7.00} that I feel is unfair since the statement was postmarked AFTER the due date of the invoice. The account manager I spoke with today ( XX/XX/XXXX ) is aware that their account statements are not being sent timely, and told me they are " looking into getting statements sent more timely ''. This conversation with Shellpoint was recorded with recording number XXXX. As of now, my account it paid ahead of schedule, and I want to keep it current, but can only do so if statements are sent timely, allowing to make a payment within a reasonable amount of time before it is due.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (CT)

I contacted Company XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX NY keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX.
Consumer complaint received 2019-02-13
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: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX. I received an alert from XXXX  Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, Experian, and XXXX  and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to Mrs. XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (LA)

Nelnet has fraudulently manipulated its payment system to unjustly enrich themselves by deferring payments to the borrower 's principal. For months, they have been rejecting my online payments. I spoke to them earlier and they claimed that it was my bank cancelling the payment, or perhaps incorrect info. My bank confirmed no transaction attempts were made by nelnet on those dates which i will detail below. I provided my bank account # s correctly to nelnet via their online portal. I confirmed that the numbers are correct and in fact one successful payment was made using the same account # s via my nelnet online portal. I attempted to make payments on : XX/XX/XXXX for {$1700.00} XX/XX/XXXX for {$800.00} XX/XX/XXXX for XXXX All were rejected. 

I spoke to XXXX at nelnet at XXXX today XX/XX/XXXX calling from my phone number. She stated that nelnet would not remit any interest accrued. I believe they intentionally fail to collect payment so that the principal will remain higher.
Consumer complaint received 2023-11-16
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. (NC)

XXXX XXXX XXXX {$580.00} {$610.00} {$690.00} {$1200.00} XXXX XXXX XXXX {$900.00} {$920.00} {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX. 
{$3600.00} I am requesting these items be removed from my account immediately. My legal name is XXXX XXXX. I have asked for a validation/signature for accounts and none was provided and I requesting this items to be removed immediately.
Consumer complaint received 2023-11-16
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. (MS)

Credit Reports for collection of delinquent child support, judgments, fines and liens XXXX no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). XXXX These cases note that certain definitions were added to the FCRA as part of the XXXX amendments ( XXXX XXXX ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the XXXX XXXX. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
If you use TransUnion consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. 
TransUnion will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with TransUnion and this new interpretation of the law. This means that you XXXX obtain TransUnion reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. 
As an example, for XXXX of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
XXXX XXXX XXXX XXXX XXXX Trans Union LLC, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/XXXX ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

XX/XX/XXXX submitted original PSLF documentation - it wasn't approved then was resubmitted in XX/XX/XXXX still not approved and stating it is being reviewed XX/XX/XXXX applied for XXXX XXXX via tlephone was told it was approved then found out it wasnt in XX/XX/XXXX because of system glitch called XX/XX/XXXX stated it was denied because needed supporting XXXX but was never informed what these were sent in what was requested was told it would be XXXX XXXX days called XX/XX/XXXX they told me there was a delay and they put forbearance on my loans until XX/XX/XXXX XX/XX/XXXX it was viewed as pending missing documented despites confirming on XX/XX/XXXX everything was received told to call back called back XXXX was told they had everything give it XXXX XXXX days - spoke w/ XXXX called XX/XX/XXXX was told missing recent paystubs NO ONE at this point told me that was needed was told once it was received my application would be expedited they refused to give an extension on loan payment and told me id have to call back if documents weren't received to avoid the $ XXXX current requested payment on XX/XX/XXXX XXXX informed me she doesn't know how long it will take, couldn't give me an email or phone number of a direct specialist, I was again told to call back and check in XXXX - 7 days I have spent over XXXX hours on the phone trying to work this out they continue to charge me daily interest when they haven't resolved my payment plan issues
Consumer complaint received 2023-11-16
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. (IL)

I am writing to follow up regarding certain accounts on my credit report. I noticed that these accounts are being reported to XXXX, but not to other credit reporting agencies, such as XXXX. This raises concerns about the verification process for these accounts, as it appears that they may not be consistently reported across all credit bureaus. 

-- -- -TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (PA)

Hi we purchased XXXX  for our house. The salesman came to the house. He measured and told us what we needed. We agreed and the salesman offered interest free payments. We signed up and they installed the XXXX. The installers were sloppy and drove in our yard. But the boss sent another team to fix things, clean up, etc. 

So we made our payments. We checked on line to see when we were done making payments. We found our that our balance went from XXXX XXXX to XXXX XXXX. When I called they told me the interest free time period had expired. The new rate is XXXX percent. I asked how that could happen. We didnt pay enough in the first XXXX months to pay off the loan We need help in resolving this. I guess we were too naive and trusted the salesman.
Consumer complaint received 2019-03-28
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: JPMORGAN CHASE & CO. (AZ)

I received a 30-59 day late reporting to my credit for a missed payment on XX/XX/XXXX. I was not given a courtesy phone call nor letter stating I had missed a payment during that month. I was told that the reason I did not receive notification was due to the fact that I was a paperless customer and if I were to look over my statement I would have known I was past due. I sent a certified letter to the executive office advising there were extenuating circumstances that led to the missed payment and that as soon as I realized I rectified my account on XX/XX/19. I have always paid over and above the minimum due and been an outstanding customer. I was contacted on XX/XX/19 by Chase in response to my letter stating they would investigate. I called back on Monday XX/XX/19 and spoke with a representative by the name of XXXX XXXX. I informed Ms. XXXX that I believed I should be given a goodwill adjustment and have the late reporting removed from my credit as it did not reflect my credit worthiness nor my ability to repay my debt. She did not once ask what my extenuating circumstances were and offered a resolution of contacting the bureaus myself. I told her that, that would not do anything and if there were someone else I could speak with. She then appointmented herself as the highest authority due to the fact that I called the executive office and stated that if I were to write another letter she would be sure to respond to it with the same resolution. At this point in the conversation I was completely distraught and actually crying - she shouted over me then stated she would notate my account and have a supervisor contact me. This late payment will potentially hinder me from purchasing my first home and do not believe I have been treated fairly by this institution.
Consumer complaint received 2022-09-06
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. (PA)

I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I keep calling this company XXXX XXXX they are in house finance they keep playing with my credit they discriminate if they do not like you they will mess your credit up I keep paying and they report me diliquunt on my credit everytime if I call and explain they are roof and lie I cant believe them I have 11 creditors this is the only one I have issues with they are a living nightmare I cant get out if they are making me miserable I dont want to be reported as a bad person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i can go on no one does this I even get curtousey of removing a late fee once from them thats other cc but XXXX they are the a devil no warning nothing the day I made s payment was the day it was due no one said they already same day reported to credit bueru but they are in house they dont have to its a choice they will keep doing it if they dont like you then the lady threatened me to go to magistrate court if Im late again and harasses all my contacts I put in application is this legal
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

The lender continually Twix my account as delinquent when it's paid and continually charge me extra payments cuz they do not keep track even though I show them proof that I paid they continue to give me late payment and charge me extra money.
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear Manager/Executive Office ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 
Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 

Sincerely yours ; XXXX XXXX
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a credit card with XXXX XXXX  XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and XXXX XXXX XXXX XXXX  with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late twelve times, and I was never 60 days late.
Consumer complaint received 2019-03-29
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. (DE)

I was in an auto accident that required medical treatment : PA Law e Pennsylvania Motor Vehicle Financial Responsibility Law, 75PA C.S. l797 ( b ) ( 7 ). is to protect the US consumer that these companies refuse to adhere to Pa law so they are breaking the Law and refuse to update, correct or even have the correct amount of debt listen, seems they inflate the amounts and refuse to correct.