davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to you to express my deep concern and frustration regarding the lack of response to the disputes I have submitted since XXXX of last year. According to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge and correct any incorrect information that may be included in my credit reports. 

I have submitted several disputes to their offices to correct the inaccurate information being reported in my credit reports. These disputes have been detailed and well-founded, complying with the requirements set by the FCRA. However, as of the date of this complaint, I have not received any response or action from any of the three credit bureaus. 

The FCRA clearly states that consumers have the right to a timely and fair investigation of any dispute they file. The lack of response from XXXX, Experian, and XXXX goes against these rights and puts me in a compromised financial position due to the incorrect information that continues to affect my credit history. 

I urge you to comply with the law and proceed with the corresponding investigation to correct and update the incorrect information on my credit reports. Additionally, I request that you contact me immediately to provide a clear explanation of the delay and the current status of my disputes. 

I understand the importance of maintaining accurate and up-to-date credit reports, and I trust that you will take the necessary steps to rectify this situation promptly and in accordance with the FCRA. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2022-05-21
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. (NC)

Someone with a similar name to mine received services in mid XXXX ( believe it was XXXX ) from XXXX XXXX XXXX XXXX which I have never used/been to ). This person did not pay for these services and the account went in to collections with XXXX XXXX in XXXX of XXXX. I randomly looked at my FICO credit score in XXXX of XXXX and noticed huge drops that I was able to link back to the collections at XXXX XXXX. After speaking with them, they could directed me to XXXX. After speaking with XXXX, it became clear that they do no collect any verifiable information on their customers. All collect is name, address, phone number, and email. All of this is done without looking/verifying with a drivers license. The person they have on file has the same name as me, but that is it. I was then directed to speak with the credit bureau ( Experian ). I have disputed this issue twice now and provided my driver 's license that shows I am not associated ( nor have ever been ) with the address that is linked to all the accounts ( XXXX, XXXX XXXX, and Experian ). I suspect somewhere in the process from XXXX XXXX to Experian, this was incorrectly tied to my account in Experian and has been making my credit score suffer. Additionally, I went in on Experians system and disputed the address that is not mine. They processed and accepted this dispute and removed the address from my file, so I do not understand why this is issue is still attached to my account and affecting my credit score. I believe that information ( such as my SSN ) should be used to verify that I am not this person and so that this incorrect collections record can be removed from my account.
Consumer complaint received 2022-05-21
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-21
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: Navient Solutions, LLC. (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d and purpose.
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

i got charged for door dash purchases in California, I am in Maryland, all my other purchases are in Maryland, and I even had purchases before and after these CA ones in Maryland on the same dates. I called to flag it, they changed the card number. Then there was another doordash purchase at a different CA merchant the next day on the UNACTIVATED card. I called to complain and the unactivated card was changed for another. Then even after that the unactivated card actually worked for a purchase in Maryland. They blamed it on autoupdate with the merchant, which I asked them NOT TO DO, but they said its not optional. I dont have a doordash account. I dont want one stolen card to be autoupdated ad infinitem just because they have a good relationship with a large retailer. i cant be the only one in this position. they need to change policy and fix their leaks.
Consumer complaint received 2023-02-21
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. (MO)

The FCRA has laws that I have been made aware are not being followed by the Bureaus. I am now forced to submit a request through the CFPB for help. 
The following accounts are reported inaccurately, incompletely, and some are not even mine which is fraud and are violations of my rights. This is against the law they have in place and I want these fixed immediately. ( FCRA 15 USC 1681 ) My name is incorrect : ( Names ) XXXX XXXX XXXX XXXX XXXX ( Addresses ) I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX this is fraud- and are violations. 

( Accounts ) Not my account and it is reporting different with XXXX, XXXX, AND EXPERIAN. VIOLATIONS! 
XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, ( Accounts ) Reporting complete inaccurate information for all three bureaus, violations! 
XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX.
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

During the pandemic I applied for a PAYE IDR plan with the Department of Education and was approved on XX/XX/XXXX for payments of {$510.00} with my previous servicer, XXXX XXXX. I applied for this in order to apply for PSLF, for which I was approved and moved to MOHELA. However, now that payments are resuming, MOHELA has adjusted my payment to {$1500.00} as if I was never on a repayment plan and when contacted they tell me they dont have any information about a previous IDR plan from the transfer from XXXX XXXXXXXX and I need to apply for an IDR to get a different payment. However, this cant be possible because I could not even apply for PSLF without first being on an IDR. Thus, I need MOHELA to correct my payment amount to the amount of {$510.00} until I need to recertify in XXXX.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 2019-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

XXXX XXXX  notified us in XXXX, 2019 that our mortgage loan was bought by XXXX XXXX but - not to worry - XXXX would continue servicing the loan. Fast forward to XXXX and a notice from XXXX XXXX  that our mortgage will be serviced by Flagstar Bank commencing XXXX. We received this notice on XXXX - 13 days before the transfer. The notice also instructed us to cancel our automatic withdrawal and wait for payment instructions from Flagstar Bank. We cancelled our automatic withdrawal on XXXX as instructed. 
As of this date, XXXX, we have received no - as in zero - communication from Flagstar Bank and are 8 days from the due date for our first payment. In a call to Flagstar Bank, they indicate that they will send out instructions on XXXX - nine days after our payment is due. But, they say, we can go to their website and set up our account. 

All of this presents several problems : 1. We realize that XXXX or XXXX XXXX has a right to sell the servicing rights to our mortgage, and they probably do that in bulk form by pressing a few keys. At that time they drop any obligations to the people affected. Those people then enter a kind of twilight zone unasked for and unwelcome. They should at least tell us " sayonara '' within the fifteen ( 15 ) days stated by law. 
2. Similarly, Flagstar has an obligation to tell us how this is supposed to work and do so in a timely fashion - within fifteen ( 15 ) days of the transfer. While XXXX - eight ( 8 ) days AFTER is - technically - within 15 days of the transfer date, we think the intention of that time period was to allow those affected to prepare for the transfer. 
3. Flagstar, in our call, says that we have a sixty ( 60 ) days " grace '' period to make our payment before being counted as " late ''. We've never missed or made a late payment at any time in our lives as our credit rating reflects. A mortgage loan is a contract, an " agreement '' between two parties. Each is expected to abide by the rules. 

So, to us at least, it appears that XXXX and Flagstar treat all this very casually - until they don't get their money. But, it is very disruptive and disconcerting to be placed in limbo without any real and timely guidance.
Consumer complaint received 2015-09-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

Carrington Mortgage Services , LLC, XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX is unfairly inflating the Escrow reserves amount in order to increase our Monthly Mortgage Payment by 21.77 %. The escrow analysis was incorrectly prepared to reflect XXXX Winter Property Taxes being paid in XX/XX/XXXX, and XXXX Summer Property Taxes being paid in XX/XX/XXXX. The escrow reserves amount is excessive. Customers of Carrington Mortgage Services , LLC should be warned about the unfair servicing practices of this Mortgage Servicer.
Consumer complaint received 2022-04-12
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX, Ally Financial incorrectly reported a late payment- despite my payments being automatically drafted. 

I disputed the incorrect information with Ally as well as the 3 major credit bureaus. As a result, Ally financial had the incorrect report removed from all XXXX bureaus. 

Unfortunately, in XXXX, the incorrect information from XXXX was placed back on my report with all 3 bureaus. This was the second violation of my consumer rights. 

I disputed the inaccuracy with all three bureaus in XXXX and XXXX, yet again. 
As a result of the aforesaid dispute, both XXXX and XXXX removed the inaccuracy from Ally Financial. 

However, XXXX did not remove the inaccuracy.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IL)

My Wells Fargo card was used fraudulently in XX/XX/2022 to make purchases at a XXXX XXXX and a store named XXXX. Wells Fargo continues to tell me the charges are valid, On or around XX/XX/XXXX I was contacted by a 'Tate ' from Wells Fargo Executive Offices and we had a conference with the Wells Fargo Fraud Investigation Team . During this conference I was told by Wells Fargo that it 'appears ' that I made the charges- I not anyone known to me made the charges abd yet Wells Fargo is forcusing me to pay for something I don't have. 'Appears ' is not sufficient proof that I made the charges it is conjecture, speculation. The onus is on Wells Fargo to prove I made the charges, it is not up to me to prove I did not. A police report was filed, an FTC Identity Theft report was filed. I nor anyone known to me made these charges. 

During the conference call in XXXX, the Fraud Investigation Team was asked by XXXX to provide additonal proof that I made the charges. I was told I would hear back within 10 days. I have not. I've tried to call XXXX on numerous occasions but he never answers nor does he ever return my phone calls after I leave a voice mail XXXX can be contacted at XXXX
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

Commenity Bank has called me six times today. Four of the calls were within XXXX XXXX of each other. I have asked them not to call me more than once per day, and that I work from XXXX XXXX XXXX XXXX XXXX. They call during my work day constantly. I am trying to catch up on my payments, and can not send them any faster than I get paid, and I have told them that, but they keep calling. They also try to force me to set up autopay or a post-dated payment, which I don't want to do because I'm afraid if something goes wrong they will bounce and I will get hit with bank fees on top of the late fees.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-21
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. (NY)

I wrote the following letter to XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from XXXX that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from XXXX. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.
Consumer complaint received 2023-06-30
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: WELLS FARGO & COMPANY (PA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both XXXX U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-06-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (VA)

I HAVE RESPECTFULLY IN XX/XX/2023 AND FOR THE SECOND TIME IN XX/XX/2023 IN WRITING CLEARLY EXPLAIN TO THIS COMPANY THAT THIS IS NOT MY DEBT AND TO " STOP CONTACTING ME '. DESPITE MY RESPECTFUL REQUEST TWICE IN WRITING, THEY CONTINUE TO HARASS ME SENDING ME 5-8 LETTERS IN THE MAIL EVERY OTHER WEEK.I FIND THIS BEHAVIOR TO BE EXCESSIVE DISRESPECTFIULWITH NO REGARD FOR MY RESPECTFUL REQUEST TO NOT BE CONTACTED.I AM AWARE THAT THIS IS A VIOLATION OF THE FDCPA. PLEASE HELP ME IN STOPPING THIS HARASSMENT AND DISRESPECT.I AM FEELING VERY DISRESPECTED BY THIS AGGRESSIVE BEHAVIOR AND VIOLATED.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2019 I contacted Bank of America regarding a late payment on my account. I spoke to a representative/ supervisor. I advised that I had made my payment on time and Bank of America was not able to process my payment and a late payment was reported to the credit bureaus. The supervisor at Bank of America advised me that the late was going to be removed because the bank made an error and was unable to process my payment and contact the credit bureau to make the corrections. Ive checked and the late payment is still showing on my credit report. I filed a dispute with XXXX and Ive gotten negative results. Please help me. Thank you
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX ACCT XXXX XXXX, 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.