davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (PA)

I read about Experian falsely reporting credit scores, and lenders not using the actual credit scores that were sold to me. At the end of 2016, I went to XXXX. I was n't able to see my score, only the information on my credit report. There was a marketing ad advising me that in order to see my actual score that I would have to purchase the Experian Credit Tracker service for {$24.00} a month. I did that. I just cancelled it last month. After reading about the fine that the US has implemented on them, I called them to request a refund for the service I paid for since those number I saw were misrepresented. I spoke with a woman who told me that since I cancelled the service already that she can not issue me a refund because she has no access into my account, which I think is absurd. Also that fact that I can not see my billing history with them through my account without being forced to pay for another month of service is absolutely absurd. I was advised by the rep that I spoke with that told me she could not give me a refund that my dispute case number is XXXX. Once I spoke to the supervisor, XXXX ( rep ID XXXX ) and she only offered my one month refund at a discounted rate ( {$12.00} ), I asked her for the dispute case number ( in case it was different since I was talking to a different person ) and she told me that they have no such thing, when I mentioned to her that a dispute case number was already confirmed with the previous rep she suddenly found a number to give me. A different number but a number non the less. The dispute number that XXXX gave me is XXXX. I paid a total of {$49.00} to Experian for 3 months of service. The first month was billed at {$24.00} and the second and third month was billed at {$12.00} and I would like the total for the three months, which is {$49.00} to be refunded to me. XXXX told me that the another reason I was only getting a partial refund was because the credit score given to me through the product that I purchased was only an " educational score '' because there is no way for them to know my exact score because things change so often with scoring. Its ridiculous that consumers are the victim of their false advertising. If in fact, my score was only for educational purposes, it should still be accurate, after all, education should always be accurate. Additionally, the fact that the numbers were not accurate should have been mentioned in their marketing information that I saw, that prompted me to purchase their service.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (DC)

I have repeatedly emailed and messaged MOHELA for a month without any response. Their hold times for a phone call are in excess of XXXX hours. It is not possible to communicate with my loan provider to request a refund and forbearance.
Consumer complaint received 2024-03-16
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. (PA)

Hello, my name is XXXX XXXX XXXX, I am writing to delete and remove the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted and removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you.
Consumer complaint received 2023-12-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial (KY)

I had emergency auto repairs that had to be done on my vehicle. The total cost was {$6000.00}, I explained to the shop that I did not have the money for the costly repairs. The manager explained to me that I could finance it, he ran through the loan company that they use and I was qualified within a few minutes. I was signing the loan paperwork over their tablet and on the phone as well from the loan company at closing time. At the time the only thing explained was that the amount needed to be paid in 90 days and if not there would be accrued interest ( which to me was normal and to be expected ). Although, When the company sent me the paperwork to my email, I found out that if I could not pay the {$6000.00} in 90 days it was going to cost me XXXX to acquire ownership over the course of 2 years. None of this information was mentioned or presented until the documents were signed. Had I known I would have never agreed to pay an amount over XXXX the original amount. I have called the company multiple times to adjust payments and to get the amount lowered, and asked for other payment options only to be told that their system generates the amount to be paid. Currently I have already paid {$1500.00} over the original loan amount. I called to ask what I need to do for payoff only to be told that there is no way to project how much my payoff amount will be and making extra payments goes to the remaining balance and not the payoff amount that is listed. The supervisor explained that there is essentially a lottery that their system does and one day my payoff could be higher and one day it could be lower, but there is no way to know what it will be on a day-to-day although reading the contract it states it will always be 50 % of the remaining. This issue needs to be reported and this company needs to be shut down for doing this to people. It's not right! How does {$6000.00} go to XXXX in a matter of 3 months, they are tricking people into signing this agreement and not disclosing all information. Neither company explained this.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (CA)

Experian is reporting a bankruptcy inaccurately on my Experian consumer report after I have disputed with them for completeness and accuracy in XXXX of 2022. They continue to report this erroneous bankruptcy report without obeying 15 USC 1681 ( n ). They verified inaccurate bankruptcy records willingly and knowingly disseminating inaccurate information to various 3rd parties without my consent. 
XXXX XXXX has also blocked all personal information from my XXXX XXXX report ( please see attachment ). Experian should have permanently blocked and deleted the erroneous information on my consumer report
Consumer complaint received 2023-12-13
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: Navient Solutions, LLC. (NY)

I am writing to file a formal complaint against XXXX for repeatedly inaccurately reporting the delinquency dates of several accounts held with Navient on my credit report. Despite multiple attempts to rectify this issue directly with XXXX, the erroneous information persists, adversely affecting my credit score and financial standing.

Key Details of the Dispute : Original Delinquency Date : The accounts in question became delinquent in XXXX This date should legally mark the commencement of the seven-year period for the information to remain on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Last Payment Date : The last payment made on these accounts was in XXXXXXXX However, this payment did not bring the accounts current. According to the FCRA, the date of the first delinquency should remain the start date for the seven-year reporting period, even if subsequent payments were made. 

Evidence Submitted : In my disputes with XXXX, I have provided clear evidence, including account statements and records, confirming that the delinquency date for these accounts was indeed in XXXX and not XXXXXXXX 

Repeated Disputes and Lack of Resolution : Despite providing adequate evidence and engaging in multiple disputes, XXXX has failed to correct the delinquency dates on these accounts. This continued misreporting demonstrates either a significant oversight in their dispute resolution process or a willful neglect of accurate credit reporting practices. 

Impact on Me : This incorrect information has unjustly lowered my credit score, potentially affecting my ability to obtain credit, secure housing, or even gain employment. The emotional and financial stress caused by this inaccuracy can not be overstated.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I am a XXXX XXXX XXXX and purchased a XXXX XXXX XXXX from XXXX XXXX in New Jersey. The car was {$13000.00}. I put down {$3000.00} and I was told that the payments would be about {$200.00}. After signing the paperwork I was told that the payment would be {$400.00}. I am on a fixed income and I fell as though I was taking advantage of. The bank that issued the loan was Santander
Consumer complaint received 2020-07-23
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. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

debt collector is in violation of fdcpa. They are reporting this allege debt on my credit report. I never gave them consent to report this allege debt. in addition, they have unauthorized access to my private personal information.
Consumer complaint received 2023-12-13
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: SELECT PORTFOLIO SERVICING, INC. (VA)

I have experienced a Covid-related hardship related to a tenant at a rental property. This property has a mortgage that is serviced by SPS Servicing. In XXXX, I reached out to convey this hardship and sought a payment deferral that was made required by Fannie Mae on XX/XX/2023. These enhanced terms provide that a payment deferral plan be enacted for up to XXXX months ( deferred payments accrue in a non-interest bearing account ) and that no negative reporting would be issued for missed payments. 

The servicer told me that I needed to let the mortgage go XXXX months delinquent before any options could be explored. When I called SPS Servicing recently ( XX/XX/XXXX ) a representative told me that I was severely behind in payments and that steps for foreclosure would begin XX/XX/XXXX. I inquired again about XXXX XXXX XXXXs enhanced deferral policies and the individual was unaware of these new required terms. Also, she could not distinguish between payment deferrals and a loan modification ( she was pressuring me to get a modification which I do not want to do ). As an alternative, the representative told me to submit a letter requesting the newly required enhanced deferral terms, which I submitted but have not heard back from. She also told me to complete a form that is supposed to be under a " Mortgage Assistance '' section but the link on my profile does not yield any information. I am deeply concerned that I will lose my home due to the servicer either being unwilling to abide by XXXX XXXX XXXX XXXX required enhanced terms or they are completely unaware of them. I need their proactive communication with me as I have sought to provide.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

I have made a complaint previously to the CFPB in regards to this specific matter. The issue being I purchased my home in XX/XX/XXXX with a Wells Fargo home mortgage. I was an original signer on the deed of trust. Yet somehow in XXXX of XXXX my parents were able to get a new loan on said property without my release or acknowledgment. The original loan was paid in full and the title was released. A new loan was then created again without my approval and didnt include me. Wells Fargo has been made aware of this on repeated occasions through formal letters from my counsel. Wells Fargo was at a mandatory mediation XX/XX/XXXX in the XXXX XXXX of the XXXX XXXX XXXX MO. They clearly didnt come in good faith to come to an agreement and settlement. My previous complaint the the CFPB instigated an internal investigation on the part of Wells Fargo and they created a document which clearly showed that they were aware that they had no clear title or release on my part to follow through with a new loan. Im simply asking that this federal agency created to protect citizens like myself from these predatory and illegal actions on the part of these large companies. Please advise me as to how with your help I can get the situation resolved. Wells Fargo has clearly broken several state and federal guidelines in regards to this situation.
Consumer complaint received 2018-02-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: 360 MORTGAGE GROUP LLC (WA)

Could you please help me, 1- I had a mortgage loan with 360 Mortgage which was paid in full and on time. XXXX Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the XXXX credit bureaus I found 360 Mortgage had me listed as late. 

3- I have contacted the XXXX XXXX XXXX at least 4 times but 360 Mortgage keeps giving me the same Letter indicating the loan was paid off on time but the 3 credit bureaus need for 360 Mortgage to contact them to resolve the discrepancy. I do not know what action to take any longer. I even asked for upper management help to no avail. ( XXXX XXXX XXXX XXXX ). Please see the 360 mortgage letter below.
Consumer complaint received 2023-03-18
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. (HI)

Experian report XXXX remove my XXXX payment because I sent proof. This is illegally for them to put inaccurate information on my credit report.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc. (MI)

Advance America allowed a fraudulent loan ( # XXXX ) to be taken out online on XX/XX/XXXX. Information given was all incorrect phone number, address, and employer. They did not verify anything correctly. The money was transferred to a XXXX XXXX account ending in # XXXX. Advance America then turned the unpaid loan balance into a collection agency in XXXX of XXXX called XXXX XXXX XXXX. They also have completely false information and can only match my name, and old street address from over 30yrs ago. This was fraudulent activity.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (FL)

I was recently sent a notice of debt by the XXXX XXXX XXXX XXXX XXXX XXXX  ) regarding a Toll I did not pay in Georgia. 

When the picture was taken of my car I had an XXXX XXXX XXXX XXXX in my home state of XXXX 

I called the XXXX and discussed and provided them my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The woman on the phone verified my account with XXXX XXXX  and said they would get the money from XXXX, ( for tolls, not violation ) as I was in accordance with the law. 

I then recently received a collection notice from PAM ( Professional Account management ) I attempted to call the company in order to discuss and receive an email address so I could craft and write a response within the 30 days as requested. They stated they had no email and that I needed to send a letter in writing, I told them I could not track that and based on the need to prove that I had written to them I wanted an email confirmation. The person on the phone stated that I would need to pay the fees to them and then I could contact XXXX to get a refund. 

That doesn't seem very normal. I asked what are next steps then, I was told to pay the toll or I could suffer further consequences. 

1. I don't actually owe the violation 2. Even if I did, Their is no way of paying ( I have sent screenshots of the letter and my attempt to see my debt on their website XXXX. XXXX XXXX XXXX XXXX XXXX  claim they are in concert for drivers, but that does not seem to be the case. 

What should my next steps be?
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT INCLUDING THE FOLLOWING Inquiries : 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 . ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. 
Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose