davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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. (NY)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. 
XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Updated : XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notify you that I am disputing this debt in entirety, and you are required to provide me with validation not verification but validition of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account with ALL the information that I requested, then you are to remove the collection account from my credit reports immediately.
Consumer complaint received 2020-03-14
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: Santander Consumer USA Holdings Inc. (GA)

XX/XX/XXXX - I financed a XXXX XXXX XXXX for {$18000.00}. I put {$1500.00} down which reduced the finance to {$16000.00} XXXX XXXX of Santander Consumer USA informed me of payments being sent were not processed as they should be because some payments were sent to XXXX and others in South Carolina. He informed me the payments had been rectified and would be placed on my report correctly, this was Thu, XX/XX/XXXX XXXX XXXX. 

Two years later, I was granted a hardship Re : Temporary Reduction in Payments on XX/XX/XXXX : SEE BELOW : Dear Your Temporary reduction in payment plan has been approved and processed. Your next 6 payments will be in the amount of {$280.00}, with the first payment due on XX/XX/XXXX. 

My payments are due on the XXXX of every month, I always pay early and I send payments via overnight delivery most times and sometimes I go in person to XXXX and pay the {$2.00} express processing fee for same day payment. Yet they are reporting me 30 days late effective XX/XX/XXXX and they cashed a check which cleared my bank account drawn on XXXX, XX/XX/XXXX. I overpaid the amount required. in the amount of {$300.00} XX/XX/XXXX - XXXX  of my family members were killed  tragically in a car accident XX/XX/XXXX - I contacted Santander and they extended the payments for the above mentioned amount through XXXX. They have not kept their end of the agreement and have breached and lied. They are reporting late, yet cashing the checks before they are due. Which one is it? I signed the e-agreement and they honored it. My balance on the car is {$13000.00} - but they are adding fees that are not just. The car was only {$16000.00} and I paid $ XXXX  monthly for the first three years. I only got a reduction in XXXX and they are giving false amounts to the credit bureaus. XXXX XXXX, XXXX I paid {$240.00} for XX/XX/XXXX at XXXX in XXXX XXXX, XXXX XXXX XXXX, XXXX I paid {$350.00} @ XXXX XXXX XXXX . This is proof I am never 30 days late, in fact I am early. Again, the payments are due on the XXXX of each month. 


Santander Consumer USA Inc. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00}
Consumer complaint received 2021-03-19
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. (IL)

I recently viewed my credit report and noticed several fraudulent and unknow companies reporting inaccurate and fraudulent information on my credit report. I filed a FTC report and notified my local authorities of the issue. I submitted the FTC report to Experian and XXXX  on XXXX XXXX, XXXX to prove thatXX/XX/XXXX, along with XXXX XXXX somehow obtained my information fraudulently from a consumer who has compromised my identity and destroyed my credit integrity on XXXX XXXX XXXX  Less than 30 days later I received an alert saying the accounts were updated with the same information reported from the prior month. I submitted another dispute with the FTC report and including my Driver 's License a current mailing with my true and accurate identity again with both Bureaus and the Companies updated the information again with a late fee added of {$54.00}. I am very disappointed in both Experian and XXXX  in their performance in upholding the consumer laws. I have validated my true identity in each mailing and online dispute with both Bureaus. I want my CREDIT integrity restored and all fraudulent activity in my report that's not mine to be REMOVED.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (CT)

I attempted to add funds to my account using linked account, card ending in XXXX, several attempts made and error message received.. The messaged stated, due to technical difficulties, transaction can not be completed. I then logged out to see if logging in again might fix the error, another messaged appeared stating user name or password is incorrect which I know it is not as I have double and triple checked both. Despite this, I attempted to change password and was unable to do so, a message appeared stating due to inactivity for ten minutes, session has expired. It appears there is a technical issue with the web-site which needs to be fixed.
Consumer complaint received 2020-03-14
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. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENT REPORTED ON XX/XX/2018 AND XX/XX/2018 ON MY XXXX XXXX ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

My mortgage was current and then we had the government shutdown. Pennymac Sent me a letter advising I did not need to make payments. I relied on their letter and was unable to catch up but I did continue to make payments after they said I needed to start paying. Pennymac made statements in the letter that they did not honor.

( 1 ) " The forbearance plan will end XX/XX/XXXX at which time we will contact you to reassess your current circumstances and provide information on alternatives that may be available to you. '' - Pennymac never contacted me.

( 2 ) " At the end of the forbearance period, Pennymac will work with you to repay the amounts not paid during your forbearance period. '' - Pennymac has refused to work with me.
( 3 ) " We can review you at that time for an additional program to help bring your loan current, all according to your individual circumstances '' - This never happened.

Pennymac must have grown tired of the account remaining delinquent so they put me in Foreclosure. I never received a letter of intent to proceed from Pennymac. They put me in foreclosure and never formally notified me of such. They never provided me with a sale date. In fact when I asked for a sale date, they mislead me and tell me they don't know. I have called back 3 times to get a sale date and nobody knows ( so they claim ). I have to assume the sale date is XX/XX/XXXX since that is the next auction date. 

Steps I have taken : I have called Pennymac at-least 5 times to work this out voluntarily with them. Each time they refuse to accept payments. They told me the only way to get a repayment plan is to apply for a loan modification. They knew I did not qualify and they were having me apply for something they knew I would never qualify for. During the review of the modification, I lost my eligibility for a repayment plan because my account went over 5 months delinquent. I offered to pay and bring the delinquency down and they refused to accept payments. They are putting me in a position where I am going to loose my home. They are not trying at all to help me retain ownership of my home. Maybe one of their executives wants it. At any rate, they have violated FHA Servicing Guidelines and I am the one that will loose my home.  This should be illegal. Please help!
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I was calling to close my capitalone spark visa account. However capital one did not close the account. On XX/XX/XXXX ; capital one charged me with {$95.00} annual fees and did not notify me thru statement nor phone call until now that my credit card was late and charged interest and late fees due to their negligent to close the account. I haven't used this card since XX/XX/XXXX and I always payoff my balance. 
Today, XX/XX/XXXX I called and explain to them that I was recently hospitalized and impacted by this XXXX XXXX, and I just got back home 2 weeks prior and I would like to know why my account was past due. XXXX, the card supervisor explains to me that because I was charge a membership fees on XXXX XXXX for {$95.00} and I didn't pay the membership fees on the card that I closed in XX/XX/XXXX. So not with all the fees and a bad credit reporting, Capital one refused to make it right for me. As I explained I am XXXX years old with XXXX and just recovering from XXXX XXXX ; and I was not aware of this happening since I haven't got any statement nor any alert nor phone call. They refused to help me and he kept saying that it was my mistakes that I was switching the statement to online statement in XXXX which I didn't remember doing it. Now I strongly belief that someone inside capital one change the mail statement to online statement to making sure that I never know if the account never been closed and annual fees was assessed to my account. This is fraud and scam to elderly client.
Consumer complaint received 2021-03-19
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. (IA)

My scores are very low due to many inaccurate information regards payments and accounts and old information in reports, even my name, I tried with them many times and still same problem. I need you to investigate all wrong information about me and remove them. Thanks.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MI)

In late XX/XX/2020, I noticed that I was no longer able to log into my XXXX XXXX and a pop up indicated that my account was terminated. 

I filed a complaint through DOT requesting for further details as to why my XXXX XXXX account was terminated. 

I received a response from XXXX XXXX on XX/XX/2020 stating that I was involved in 'abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. ' I request that Citibank confirm or deny that during my ongoing credit and banking relationship that I have met the terms of each and every agreement relating to the Citi AAdvantage credit card. Please provide conclusive evidence of such case where I have violated the terms of the agreements made between Citibank and myself as stated by XXXX XXXX.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 the attached documents and letter for the referenced issues from above.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FCU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-12-31
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : XXXX
Consumer complaint received 2022-12-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (OH)

Fraudulant Loan taken in my name around XXXX XXXX  by fraudulant methods. At the same time our credit card was hacked but stopped. The loan was for the amt of {$20000.00} which I had no idea it had happened until a bill showed up in the mail. XXXXraud reports were filed with the local sheriffs dept as well as the sheriffs dept in XXXX XXXX Florida. 
Fraud alerts and reports were applied for at FTC.Gov, Identity theft.gov as well as with all XXXX, XXXX XXXX XXXX, XXXX and XXXX. I later realized I was part of the XXXX XXXX XXXX in XXXX. I have filed a complaint as well. 
I have been trying to work with XXXX to remove this loan but until now to no avail. 
Then XXXX sold this fraud loan to a collection agency Credit Corp Solutions without any resolution, and I am still providing information to XXXX. 
Please help
Consumer complaint received 2024-04-07
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: Mr. Cooper Group Inc. (FL)

XXXX XXXX  XXXX This company has caused me undo health and XXXX XXXX from the time they became new servicers in XXXX of XXXX. Please I beg you help me get this paperwork in and accepted I am so sad and scared as a XXXX  alone without help. 

The XXXX XXXX attorney XXXX XXXX has sent me the proper paperwork for the past XXXX months to show I am the owner and Trustee of the home. According to the attorney Mr Cooper Rushmore Servicing ask for a Will, which has nothing to do with a home in the Trust thus they are overreaching where they should not and using this as an excuse to not accept me as the new owner. I sent them death certificates the entire Trust and the Acceptance of the Trust as well as my drivers license with my home address of the house on it. 

Due to the fact they seem to not accept me as the owner of the home in the Trust but only have me as a person of decision making they are causing me to loose ability to change the loan, defer, forebear, or even make payments with ease on the Internet which I am not allowed to have the ability to do. 
This scheme as such is causing the home to be too close to default. 

They sent a form in which I am not sure will alleviate the problem but I filled it out but am not sure what to do next as I can not seem to speak to anyone who will tell me. 
Please I bweg you XXXX XXXX agent help me I am so stressed for the past 7 months.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (VT)

I tried contacting the creditor directly by mail and they wont solve or provide any information by mail, and experian was contacted XXXX  times already to provide original contract or delete and that account still shows in my report.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (WA)

I tried to resolve this early in 2022, and assumed the loan was real since I have two XXXX XXXX  from different universities. 
The Washington State Attorney General 's Office tried to resolve it, but Mohela refused to answer their calls and requests for information. 
When I just did my annual credit reports, I found the information is still on my XXXX and XXXX and my complaints of it being false information last year have been deleted. 
Having just finished a XXXX XXXX in XXXX XXXX with XXXX  loans, I called to get into the REPAYE program, which is required if you have delinquent payments or charge offs/defaults. I was told I have none and needed to call the XXXX XXXX XXXX XXXX. 
I called the XXXX XXXX XXXX XXXX, and was told I've never had a XXXX XXXX loan and that Mohela is precluded from buying a XXXX XXXX loan, servicing a XXXX XXXX loan or anything else to do with XXXX XXXX. 
I was advised to file a complaint with my state Attorney General again, and to file a complaint here, also. 
It's straight up fraud. I don't have and never have had a XXXX XXXX loan and Mohela has never been my servicer. All my XXXX loans have been serviced by XXXX XXXX, and recently got taken over by XXXX. 
I have applied for and completed the process for all my loans to be consolidated into the SAVE program. I could not do this if I had any loans deliquient, in default, or claim charged off. 
Yet Mohela is trying to collect {$1700.00} from me, through fraudulent reporting to credit bureaus. 
I have proof all my loans have been consolidated into SAVE.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently I did investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that angry didn't make sure it was reporting 100 % correct in accordance with the Fair Credit Acts, everything has to be 100 % accurate on my credit file and under 15 U.S.C 1681 e ( b ) and 15 U.S code 1681i ( 5 ) theses accounts are violation of not reporting 100 % accurate.
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.