davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (NJ)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2023-12-18
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Westlake Services, LLC (GA)

I got a debt cancellation in regards to a vehicle that US Auto Finance has and was paid off. I now have debt cancellation on a IRS tax bill and US AUTO Finance has filed XXXX XXXX XXXX. I have tried to contact this company and they are out of business. Now there is no number to contact anyone in regards to this information. This company is stating that I owe them an excess amount of {$12000.00} and I have no proof. I have no way of seeing how this is owed. This company has been filed and I am confused as to how I owe a company that filed bankruptcy. At this time I seek monetary payments because I have to pay for a debt that isn't verifiable.
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: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint regarding the multiple unsuccessful attempts I have made to correct late open account on my credit reports with Experian. Despite my persistent efforts to rectify this issue, these inaccuracies remain unresolved, and they are significantly impacting my creditworthiness and financial standing. I have identified the account on my credit reports with Experian and XXXX that continue to be inaccurately reported as late opening : 1. XXXX XXXX XXXX XXXX Balance : {$4500.00}. I have previously disputed this inaccuracies through the established dispute resolution process, providing supporting documentation and explanations that clearly demonstrate that these accounts were opened on time and have been in good standing. Despite my efforts, I have not received any meaningful response or resolution from Experian. The late open account remain unchanged on my credit reports, negatively affecting my credit score and my ability to secure new credit. I kindly request that you investigate the continued inaccuracies in reporting the opening dates of this account and take the necessary steps to correct them in both Experian credit report. Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and confirm the corrections made in both Experian credit reports. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. Maintaining accurate credit reports is of paramount importance in determining my financial stability and credibility. I am deeply frustrated by the prolonged and unresolved nature of this issue and urge you to prioritize its resolution.
Consumer complaint received 2023-08-24
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I have filed 2 complaints besides this one. I have asked the same question on both complaints. The documents they sent me did not answer my question at all. They sent me a payoff letter which I didnt ask for, so I hope I wasnt charged for it, and a verification of debt letter. My question was specifically for : How long is the Pennsylvania Statute of Limitations on debt? The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( XXXX XXXX XXXX XXXX XXXX ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc None of the documents they sent me answer under the law above if my mortgage was dismissed in bankruptcy court in XXXX, how can they still be charging a debt that has been discharged since XXXX? That was over 5 years ago. This debt is now uncollectible.
Consumer complaint received 2023-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (CA)

PHH Mortgage is refusing to release a check to my contractor for repairs made due to water damage to my home. My insurance company issued the check after their review of the damages and the costs of the repairs. PHH continually shuffles me around to different people who all tell me they want some form ( adjusters worksheet ) which I have been assured by representatives from both my contractor ( XXXX ) and my insurance company ( XXXX XXXX ). This has gone on for the past few months. I can not understand why they are withholding the check from my contractor nor will they say anything other than they must have this form which I am sure has been sent to them at least XXXX times. There is clearly a practice wherein PHH stalls in that they do not return call nor make promised return calls after they " follow up '' I have to believe that PHH would like to get rid of my loan since I have a very favorable 2.5 % fixed rate XXXX  year loan. I am an XXXX XXXX XXXX veteran and suffer from XXXX and this situation is causing me great stress and sleepless nights. I fear I will have to try and find an attorney an expense that I can not afford since according to my local bar association this is not a case wherein an attorney will take the case on a contingency. Further PHH tries to intimidate me by every call being answered a notification that it is an attempt to collect a debt. Since they are the ones who are holding the money it seems more than disingenuous on their part. I do believe other seniors and veterans should be warned not to become involved with PHH. 
Lastly I have never been late in making a payment to them for as long as they have held my morgage.
Consumer complaint received 2024-07-08
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. (IL)

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment. This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family. I demand that the late payment reported in the specified months be removed. The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law. According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date. The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided. This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. Please remove the late payments from my consumer reports.
Consumer complaint received 2023-08-24
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. (CA)

Experian is intentionally misrepresenting that there is a balance on my XXXX XXXX visa ending in # XXXX and fraudulently " verified '' that the entry is accurate. Background. My XXXX XXXX visa was reported with a balance and I contacted XXXX XXXX to correct it. XXXX XXXX informed and instructed me to contact Experian because they could ( or would not ) take further steps. I filed a request for investigation with Experian accordingly, which resulted in " verification '' if the inaccurate balance and no change to my report. Becuase the information is false, I resubmitted my request and included a letter from XXXX XXXX confirming that I have no balance owed on the card, together with the most recent payment history. XXXX XXXX  informed me that they " don't control '' what Experian reports and I must contact Experian for correction. Notwithstanding the letter confirming that no balance is owed, Experian again fraudulently " verified '' that the reporting balance is correct. It is not correct. Finally, I note that I have had repeated struggles with Experian reporting accurate information. In some previous cases, it took months for me to get accurate information reflected in my report and Experian is never willing to take responsibility, as Experian usually dismisses - without explanation as to why the inaccuracy persisted - that the information changed precisely as I had complained it should.
Consumer complaint received 2023-08-24
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. (MS)

My personal information was stolen from my car and my id has been used to get credit and loans. I filed the correct paperwork per the FCRA and sent them to the credit agencies. The disputes are not being done correctly and the documents I sent in are not being attached to the disputes. And I am not getting the copies of the verification process per the FCRA. 

These are the accounts : XXXX credit XXXX XXXX XXXX of XXXX
Consumer complaint received 2023-05-07
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (DC)

I filed a dispute with Goldman Sachs for a {$960.00} transaction with XXXX XXXX XXXX, aka XXXX XXXX XXXX. The reasons for the dispute were that a ) the salesperson XXXX XXXX misinformed the consumer that the merchandise could be returned for a full refund without issue and b ) on XX/XX/2023, XXXX XXXX did not issue a refund for all of the items that were brought into the store to be returned. As such, a dispute was opened on the same date with Goldman Sachs. XXXX XXXX from XXXX XXXX XXXX, after filing the dispute and also on the same day, wrote a sincere apology via email ( attached ), admitting fault for and accepting responsibility for XXXX XXXX XXXX XXXX negligence on behalf of XXXX XXXX XXXX. As of XX/XX/2023, XXXX XXXX, the store manager at the XXXX XXXX XXXX XXXX XXXX location, confirmed via email ( attached ) their receipt of the return, as communicated to her by her team. On XX/XX/2023, I received email notification from Goldman Sachs that the merchant had responded. Via Apple Card chat and also on the same date, XXXX, an Apple Card Specialist with Goldman Sachs Bank USA, was unable to provide the merchant 's response, leaving the consumer without an opportunity to address the merchant evidence. In the past, there has been at least one Apple Card dispute in which Goldman Sachs wrongly sided with the merchant due to fact that they merely replied with their policy, which failed to address the original grounds of the dispute. When asking XXXX " Can I provide additional documentation showing that I am owed a refund for the return?, '' which has now also been attached to this complaint, no such opportunity was directly provided by them.
Consumer complaint received 2024-07-08
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)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX.
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. (TN)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-11-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

Today, XX/XX/XXXX, I opened letters from Heartland ECSI regarding my XXXX  and XXXX XXXX  from XXXX XXXX XXXX. I have been making automatic monthly payments of {$100.00} to pay off the loans since XXXX. In XXXX, I spent a significant amount of time on the phone with Heartland ECSI and XXXX  XXXX XXXX Financial Aid Office figuring out how to make payments & apply for deferment because I had gone to XXXX XXXX from XXXX, and then was unemployed for a time during the pandemic. The process was incredibly confusing, and Heartland ECSI was not transparent or clear in any manner about what my legal payment expectations were. I have documentation of every one of these conversations. 

Eventually I was able to defer, started paying later on, and in XXXX XXXX  XXXX entered into a Rescheduled Payment Plan. Heartland ECSI did not clearly explain what the Rescheduled Payment Plan was, only that I could do it, despite me asking clarifying questions multiple times. This Rescheduled Payment Plan was apparently set to expire in XXXX XXXX XXXX, but I was not notified of this expiration or what it would entail. I have continued to make automatic monthly payments including in XXXX and XXXX XXXX  XXXX, but received a paper statement from Heartland ECSI on XX/XX/XXXX stating that my " account is XXXX  days past due in the amount of {$3700.00}. '' I called Heartland ECSI customer service and spoke with two agents ( the first hung up on me! ) about my account ; I explained that I had been making automatic monthly payments, and he stated that he could see that on the account. I asked why I received a paper notice stating that I was XXXX  days past due and owed {$3700.00}, and he said he would take a look at my account. I explained that I can not possibly be XXXX  days past due since 1 ) I've been making automatic monthly payments, including in XXXX & XX/XX/XXXX, and 2 ) even if the Rescheduled Payment Plan ( whatever that means ) " expired '' on XX/XX/XXXX, it's only been approximately XXXX  days since that date, not XXXX. The agent said " You're right '' and asked me to hold while he reviewed my account. When the agent returned, he said to " disregard the [ paper ] notice '' and that " the repayment plan is back in place for {$100.00} a month to the XXXX loan, and it is active until XX/XX/XXXX. '' He stated that no fees would be incurred. 

I have had too many negative conversations with Heartland ECSI where they have intentionally obfuscated the truth of loan payment expectations, and worst of all they send what can only be seen as falsified and threatening paper statements to their borrowers in an attempt to scare me into paying {$3700.00} as if it's past due, when in fact it is not. This practice is predatory and unacceptable, and has been ongoing for the last three years! I will also be filing this complaint with the Department of Education and meeting with the lawyer provided through my employer.
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 received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting as OPEN. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (AR)

XXXX XX/XX/XXXX of XXXX, I called my mortgage holder ( Bank of Oklahoma ) . I was informed I owed approx {$3000.00} towards the loan to make it current ( approx 3 months of payments at {$880.00} + late fees ). I informed them I had already sent {$1800.00} ( 2 months of payments at {$880.00} + late fees ). This check was received and cashed by BOK within 2 days of this call ( on/around XX/XX/XXXX ). My bank confirmed the check cleared and was cashed by BOK. That would mean as of XX/XX/XXXX, I would still owe 1 month of a {$880.00} payment plus late fees. On/around XX/XX/2023, BOK mortgage sent my information to foreclosure/lawyers and stated I owed approx {$5200.00}, that there was Not a payment made on the loan since XX/XX/2023 and the loan was going into foreclosure. I called BOK to dispute the amount due and the timing of the last payment. After providing documentation, and waiting approx 2 weeks as BOK investigated ; I received an email that stated BOK had misapplied my funds to a different account and they were at fault. However, they then stated in that email that the loan " would've gone into foreclosure anyway '' even if they had applied the funds correctly. Their 90 day policy on foreclosure would have been timed so that XXXX was the 3rd month. However, their records indicated I was 6 months behind when foreclosure started because of their accounting error. Since i was concerned this accounting error had occured previously without my knowledge, I requested the last 3 years of payment history to correlate with my bank records. I also requested to speak to someone at a Supervisor level several times due to the nature of the issue and representatives not being fully aware or know how to handle the situation. They would not have a supervisor speak to me or even send an email. When i spoke to the last representative, the supervidor notes were incorrect. It showed BOK returned the {$1800.00} payment " because it was not the full loan reinstatement amount given by the lawyers '' However, at the time of payment in XXXX, there was NO reinstatement amount because tge loan didn't get sent to the lawyers for that reinstatement amount until XXXX. I informed them I could catch the loan up to the current date, but felt I should not have to pay the lawyers fees for reinstatement of the loan. I was told on Friday XX/XX/XXXX that the property had Not been scheduled for sale yet ( due to the issues discussed ) but I received a notice of sale on Mon XX/XX/XXXX that was dated for Mon XX/XX/XXXX. They also attempted to schedule a home inspection for sale without notification even though I have an active complaint open.