davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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)

*THIS IS NOT MY ACCOUNT! I DID NOT AUTHORIZE THIS ACCOUNT TO BE OPEN UNDER MY NAME! 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX ( XXXX ) and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX ( XXXX ) also said they can't find anything on this account. Please help
Consumer complaint received 2023-01-16
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. (TX)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX FCRA Violation : credit card not mine XXXX XXXX {$1300.00} XXXX XXXX XXXX  {$100.00} FCRA Violation : collections not mine XXXX XXXX  {$230.00} XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX {$190.00} FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have contacted Kohl 's several times about this matter. 

In accordance with the Fair Reporting Credit Act, Kohl 's, has violated my rights under 15 USC 1681 section 602, and states I have the right to privacy. 15usc 1681 section 604a sec 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account as under an open end consumer plan as late for any purpose.
Consumer complaint received 2023-05-17
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 this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-27
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. (MO)

My XXXX loan account was paid in full on XX/XX/2023. XXXX  is still reporting a balance on this account to the credit bureaus. I have emailed XXXX and sent a credit dispute and they have not responded to my email and responded to dispute incorrectly.
Consumer complaint received 2023-09-24
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (TN)

Multiple phone calls while I was working, multiple emails, never did get a direct answer from them regarding the matter. They never verified/validated the debt they were trying to collect. Overall very rude and disrespectful and despite multiple attempts to dispute it to have it erased, I have had no success.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 2020-03-11
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: PENNYMAC LOAN SERVICES, LLC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : PENNYMAC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-11
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: BMW Financial Services NA, LLC (CT)

I already reached out to BMW FINANCIAL SERVICES and notify them of their error posting of information on my report. I requested for Method of Verification but they have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (MN)

hard inquires I do not recognize : 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 2020-03-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery at XXXX called my DAUGHTER on XX/XX/20 at XXXX XXXX  on her cell phone regarding a six-year-old debit in my name. I disputed this charge years ago and contacted the company that time. I do not want to contact the company again upon advice from attorney who advised that by my calling the company to dispute the item, it will start the official time period that Portfolio Recovery can use to harass me. Several years ago, Portfolio Recovery called my neighbor and asked the neighbor to deliver a message to me. This company routinely violates the debt collection laws.
Consumer complaint received 2023-01-16
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. (TX)

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX  days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

According to the information available at XXXX XXXX XXXX the federal government has implemented a policy stating that recertification dates falling between now and XX/XX/XXXX, will be automatically extended by one year. As my recertification anniversary is indicated as XX/XX/XXXX, I believe that, according to this policy, my recertification should not be due until XX/XX/XXXX. However, I have been in communication with MOHELA, and they assert that my recertification date is XX/XX/XXXX. They have informed me that I must recertify immediately, or I will be enrolled in the standard repayment plan. Despite my attempts to seek clarification and resolution, I have not received a satisfactory response, and my request to speak with a supervisor remains unfulfilled. I understand and acknowledge the importance of recertification and am willing to comply when appropriate. However, it appears that MOHELA is not aligning with the recertification structure mandated by the federal government. I kindly request your assistance in resolving this matter and ensuring that the recertification process is conducted in accordance with the federal guidelines. Your prompt attention to this issue is greatly appreciated. Thank you for your time and consideration. 
Follow up : I recently had another conversation with MOHELA regarding my student loan repayment schedule, and I am seeking futher assistance in resolving a discrepancy. During our discussion, MOHELA mentioned that my " soft recertification '' date is set for XX/XX/XXXX, and the " hard date '' is XX/XX/XXXX. Furthermore, they indicated that my next payment due and repayment option 's next tier commence on XX/XX/XXXX. Unfortunately, my request to escalate the matter to a supervisor for additional verification was declined, deeming my reasoning as " inappropriate. '' Upon reviewing the information available on the FSA website, I understand that my IDR anniversary date, or recertification date, is scheduled for XX/XX/XXXX. This contrasts with MOHELA 's assertion of a recertification date on XX/XX/XXXX, which coincides with the first payment date -- a month after the recertification deadline. I am seeking clarification on whether it is standard practice or appropriate for a " hard recertification '' date and the first date of repayment to align. I apologize for the frequency of my communication, but I believe providing comprehensive information is crucial for a clear understanding of the situation. Your guidance on the next steps I should take would be immensely valuable. Thank you for dedicating your time to review my concerns Most recently, my monthly payment has increased from $ 199 monthly to {$3500.00}, due XX/XX/XXXX, since I did not recertify - as the FSA webpage suggested I did not need to. 
I earnestly seek your assistance with this matter and MOHELA 's inconsistencies.
Consumer complaint received 2023-01-23
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. (NV)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately.

Please remove these accounts from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

My ex-husband and I divorced on XXXX He kept our residence which was financed through Wells Fargo. I moved in with my parents. I was court ordered to sign a quit claim deed for our home, which I did. My ex-husband was court ordered to complete paperwork to effectuate the transfer of assets and liabilities pursuant to our divorce order. He did not. On XX/XX/XXXX, we mediated and ex-husband agreed to make a good faith effort to assume the existing VA mortgage and release the wife ( myself, a nonveteran ) from the liability of the mortgage. He has not. During this thirteen-year period, Wells Fargo has restructured the mortgage twice in my name. I did not sign or attend the closings. I have not given verbal permission for the restructures of the loan. During the first restructure, I received a phone call from Wells Fargo to meet with a notary to sign. I told the woman that I would not sign and will not give permission to restructure the loan. They restructured and added principle onto the mortgage against my wishes. On XXXX principle amounts of {$17000.00} and {$20000.00} were added to the loan. In XX/XX/XXXX, I was emailed by Wells Fargo about another refinance. I emailed XXXX in response and called as well. In the attached email, I stated I do not want the loan refinanced or restructured in my name. Wells Fargo did not respond and the loan was once again restructured in my name. More principle and time was added to the loan. I do not know the amount of the last principle added. This has had an impact on my credit and more debt in my name. My ex-husband has remained employed by the same large corporation since our divorce and continues to have increased income. I have not given permission for the last two loan changes. I left the home thirteen years ago. I do not understand how Wells Fargo can legally restructure a loan twice, despite a court order for my ex-husband to refinance solely, without my consent or signature. I respectfully ask Wells Fargo to remove my name from this mortgage.
Consumer complaint received 2018-01-20
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. (WI)

We had a second mortgage with XXXX XXXX XXXX XXXX XXXX. This account went into foreclosure. XXXX XXXX XXXX XXXX XXXX was the property. The foreclosure was X/2012. 

We started the process of purchasing a home and noticed that they were reporting a balance on the account. We called them and they were very nice and said that they would change the reporting. They did not, when we went to close on our house they would not change it on the credit report but did allow for the change directly to the mortgage company we were purchasing from. We would like the account shown as closed and XXXX balance on our report, just as they reported to our mortgage company. 

XXXX and XXXX XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX
Consumer complaint received 2020-03-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aargon Agency, Inc. (OR)

on XX/XX/2020 XXXX I called XXXX debt collection to check to see if I had a debt with this company due to harassing phone calls. 
The customer service rep went over who I was and while I was explaining why I was calling this evening, I wanted a statement mailed to me as I did not receive any information or mail prior to today 's phone call. 

The customer service male was extremely rude over the phone using profanities and abruptly hanging up the phone, saying he would not send a paper statement because I was being " Paranoid '' and that I can reprint online. He gave me a website that was not secure to see my information which was false. I was not able to access my alleged bill with this company online or by mail. 

He than said because I wanted a physical bill that he had no choice but to mark me down as a refusal to pay. which I've never refused to pay just want to have proper proof of alleged debt owed. 

I personally don't give my bank information to companies that will not send me a statement or give me any kind of information when companies demand payment over the phone by strong arming people that come through the company. He told me he was not going to waste his time on a " paranoid XXXX ''.
Consumer complaint received 2020-03-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OR)

In XX/XX/XXXX, we contacted AmeriSave to get pre-qualified for a home loan. 

On XX/XX/XXXX, we entered into contract to purchase a home in XXXX, OR stating that we were planning to purchase the home using a VA loan that we had been pre-qualified for through AmeriSave. AmeriSave told us the entire month that " the numbers were there '' and " we would have no issues '', so we proceeded with paying for home inspections ( {$510.00} ), sewer line inspection ( {$150.00} ), etc. on top of the {$500.00}  application fee charged by AmeriSave. 

XX/XX/XXXX We received an email from Amerisave that included a letter and the Closing Disclosure showing the closing date of XX/XX/XXXX as well as a Loan Terms Agreement. We had no reason to believe or think the loan would be denied for any reason. The verbally told us on this day that they will still shooting to close on Tuesday. 

XX/XX/XXXX The morning we were supposed to close ( I had followed up and left messages and emails for multiple AmeriSave contacts but nobody was returning my calls on XX/XX/XXXX ), we got a phone call from AmeriSave stating that underwriting did not approve our loan. Nothing changed regarding our employment status or credit between our loan application and denial. We have a Statement of Denial dated XX/XX/XXXX. This complaint is directed at AmeriSave, XXXX XXXX and XXXX XXXX. 

Now, in addition to the money we spent on inspections and the application fee to AmeriSave, the sellers are preventing us from getting our earnest money deposit back, so this whole charade that AmeriSave plays, is costing us over {$5000.00}. 

Nothing changed regarding our employment or credit situation from the loan application to the Statement of Denial, and we believe AmeriSave was negligent in stating multiple times that we would be approved for the loan, AND not letting us know until the morning of XXXX ( the day we were supposed to close ) there was even a potential issue.
Consumer complaint received 2020-12-25
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. (NJ)

Experian system is marking my account late for a payment I made. As you can see XXXX is the month I'm being reported late for and it is the month I paid over $ XXXX in agreement to have this removed. Attached : Payment image shows the payment date. The Experian images will show the date I'm being reported late for. I should not be marked late for the day I made the payment. This is ridiculous. This is the only late mark on my account and it's not even accurate. The XXXX images will show the date I'm being marked late for but it's the day I made the payment to have this removed.
Consumer complaint received 2020-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (PA)

I inadvertently sent {$1700.00} intended for XXXX XXXX to Ally Financial who I had a car loan with ( paid off in XX/XX/XXXX. I have contacted them 7 times and have been on the phone with them for over 4 hours and they will not return funds, will not return calls, will not provide a status update, will not provide any resolution or path for me to resolve this. XX/XX/XXXX web based transfer from my credit union to Ally. I have a confirmation no. from Ally XXXX concerning my complaint. My former auto loan no is XXXX.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

We had a second mortgage with XXXX XXXX XXXX XXXX XXXX. This account went into foreclosure. XXXX XXXX XXXX XXXX XXXX was the property. The foreclosure was X/2012. 

We started the process of purchasing a home and noticed that they were reporting a balance on the account. We called them and they were very nice and said that they would change the reporting. They did not, when we went to close on our house they would not change it on the credit report but did allow for the change directly to the mortgage company we were purchasing from. We would like the account shown as closed and XXXX balance on our report, just as they reported to our mortgage company. 

XXXX and XXXX XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX