davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-08-10
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. (OH)

XXXX/XXXX XXXX These are not my accounts. Please provide physical verification for these accounts and method of verification. Please provide the original instrument of indebtedness or remove off credit report. 


# XXXX # XXXX
Consumer complaint received 2020-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX/XXXX XXXX These are not my accounts. Please provide physical verification for these accounts and method of verification. Please provide the original instrument of indebtedness or remove off credit report. 


# XXXX # XXXX
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (TX)

I am in the process of obtaining a loan for some agricultural land. My credit report shows a lower than expected score. When I contacted TransUnion we discovered that the only problem seems to be that my payments had not been reported for my loan with Wells Fargo Auto since XXXX. Since there was no activity the credit score was lowered. I had been making large payments to Wells Fargo Auto to pay off the truck early. I was down to less than {$1000.00} to pay off the truck this morning. The problem may be related to the pandemic so I understand. But it is going to hurt me with a loan product.

I need a lower score to get a lower interest rate. I called Wells Fargo Auto and they confirmed what their online site had indicated. It indicated I had paid down the loan. 
I asked for help reporting my payments to the credit reporting agencies and they responded it could be 6 months before they report the payments. So for 6 months my credit will continue to fall lower. Any loan products I need will be at a greater cost to me. 

This morning I paid the payoff from Wells Fargo Auto, but I assume it will take a day to show the payment as being paid off. I have copies of this information but TransUnion reported I must get Wells Fargo Auto to help. Catch 22.

Can you help? It seems that Wells Fargo had some problems in the past. This problem may be hurting others like me.
Consumer complaint received 2020-08-10
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. (OH)

XXXX/XXXX XXXX These are not my accounts. Please provide physical verification for these accounts and method of verification. Please provide the original instrument of indebtedness or remove off credit report. 


# XXXX # XXXX
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (FL)

XX/XX/2020 my wife and I entered into forbearance protection with Dovenmuehle Mortgage Inc. Due to Covid 19. 

We were told to call at the end of XXXX or beginning of XX/XX/2020 to see what options were going to be available to help us through this pandemic. 

We called back on XX/XX/2020 to check in and was offered a loan modification as an option. We selected the loan modification option and were told it can take up to 30 days to process. we were also told to start resuming our normal payments if we did not hear back from them ( Dovenmuehle Mortgage Inc ) by XX/XX/2020. 

We paid the regular payment for XXXX on time. We called in for an update on the loan modification around XX/XX/XXXX. At this time there still wasn't any information available as far as an update on the loan modification. 

We proceeded to make our XXXX payment on time. 

XXXX XXXX we were contacted by Dovenmuehle to ask if we wanted to extend the forbearance for 3 more months. We then asked about the status of the loan modification again and were told they do not have an answer. 

Friday XX/XX/XXXX, I was notified through my credit monitoring app that Dovenmuehle had reported the account 90 days late even though I was protected. 

My wife 's credit was also damaged by this as well.. 

I immediately called Dovenmuehle and spoke to XXXX and was told it was an internal error and that it shouldn't have happened and that it will be rectified. Also spoke to XXXX a senior representative and was told the same. 

XXXX said I would be emailed a letter explaining that the issue was on Dovenmuehle 's end. 

I still have not received the email and Since Friday XX/XX/2020 all three of my credit reports have been updated to 90 days late and my scores have dropped XXXX XXXX points. This is very damaging to my creditworthiness and was told it could take up to 45 days to rectify their mistakes. 

My wife 's scores dropped significantly as well. 

We were told to email their research department to let them know what had happened. 

We are not very confident with Dovenmuehle at this point. 

They can not be allowed to treat consumers this way.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Good Afternoon, I have a Capital One Platinum credit card for ten years now. I realize that I am being charge an annual fee/ member fee for XXXX on a card that has a {$0.00} annual fee. You can check Capital One website, XXXX XXXX, XXXX XXXX, XXXX.All sites boast {$0.00} annual fee On Capital One Platinum card, there is NO member fee. I called and spoke with a rep that couldnt explain to me why only said I had been paying it annually every XXXX and suggest I apply for one of Capital Ones other cards. Which was strange of him to suggest. I sent an email to their corporate officers and have not received a reply. When I XXXX issue there are other people experiencing same issue without explanation or prior correspondence explaining fee. I have been keeping a XXXX balance on the card of late and thats why it as in fee stood out to me. I want the new fee waived on my XXXX statement, not too much to ask for after ten years as a customer AND my previous funds paid back to me of XXXX.I went back to beginning of this Platinum account and was actually charged an ANNUAL fee of XXXX and even charged twice XXXX on same bill same year same time twice?????????? I have snap shots of all previous statements and can proof what I have written. I also have Capital One and statement of {$0.00} annual/ member fee. In any case Capital one is a bank one can not be charged a membership its not a credit union or cooperative. This is a total fleecing of customers its shameful and someone other than company should look into it and have EVERY person who has and is experiencing such fees on a self proclaimed {$0.00} annual fee card contact FDIC, AG, Social Media outlets etc. Thank you for your time and attention to this matter. 
Sincerely XXXX XXXX
Consumer complaint received 2020-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Thank you for submitting documentation that clearly reflects, on page 5,  that the administration fee was NOT non-refundable. Now that you have provided documentation that proves you fraudulently placed that erroneous debt on my credit bureau reports, when are you going to remove it? You should be ashamed of the way you are harassing me with a debt I do not owe and unethically refusing to remove it from my credit bureau reports.
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Through my BOA mortgage I pay my taxes and insurance through escrow. For some reason there is always a delay with the escrow account not paying my homeowners insurance policy with XXXX XXXX and I would like to have it addressed especially since I received a letter from the insurance company saying that they will terminate my policy by XX/XX/2020 if they do not receive payment soon. I received a similar letter from BOA dated XX/XX/2020. I received this letter on XX/XX/2020. The instructions on the letter states that I should upload my current policy to ihaveinsurance.com/bankofamerica and the loan number which was done. I think the issue stems from my property have different addresses listed with the postal service and township. The address listed with the township is ... 

XXXX XXXX XXXX XXXX PA XXXX and the address with the postal service is XXXX XXXX XXXX XXXX PA XXXX These two addresses are for the same property and is listed as such on the letter I received from BOA.
Consumer complaint received 2020-06-17
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: ALLY FINANCIAL INC. (WI)

I have tried on 3 separate occasions to have Ally Financial XXXX report the correct information to the credit bureaus regarding having the correct balance reflected as well as being current in my payments. Every time I have called, I have spoken to someone in the XXXX and each time I've tried to resolve my issues, they apologize, put me on hold and tell me the same things every time. " We will submit an email regarding the information you requested. It can take up to 45 days. '' It's been about 2 months now and there has been no updates on any of my requests, no changes in the credit bureaus, I haven't been contacted by anyone from Ally, and what's most disturbing, is that when I asked the very first person to please report to the credit bureaus my current information, she had to put me on hold and ask someone if they do that!!! Today, I immediately asked to speak to someone in the United States. She said okay and to wait while she tried to connect me to someone. After about 3 minutes, she came back on the phone and said that " unfortunately, they are closed '' today is Wednesday. The time in my state at the time I requested to speak to someone here in the United States, was around XXXX XXXX central time! It's not a holiday and no banks or most businesses are EVER closed during these ( particular ) times in the US!
Consumer complaint received 2020-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (DE)

Ive notice a collection reporting on my credit report in XXXX and I sent out a debt validation letter on XX/XX/2020. I never gotten a response to that letter. The debt that has been reporting has never been verified to me and I would like for it to be removed from my credit report. The company has never contacted me to advise me of any debt.
Consumer complaint received 2020-06-17
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. (GA)

MY INFORMATION WAS USE TO APPLY FOR CREDIT CARDS AND AUTO LOANS AND SEVERAL FRAUDULENT ACCOUNTS MY SOCIAL AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020 mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-10-30
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. (GA)

XXXX is reporting my account as charged off, but they still report a balance. Calls to them to correct it are ineffective. 

Additionally, I offered to settle the account and they refuse to negotiate a partial settlement. They also told me that if I settled for the full amount, they would not change what they are reporting and there is no reason to settle with them since my date of last payment was XXXX of 2016. 

They do not report the correct date of last payment which is also a problem.
Consumer complaint received 2020-08-10
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. (FL)

Personal statement : After checking my credit for a store card application I realize that tere were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. 
Please note these for future issues, Thank you.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had purchased a flight ticket for my wife throw XXXX .Flight was delayed for about 2hours and made her miss the rest of the flights. 
We were covered for full refund under XXXX  policy .they told us to file a refund application and with in 30 days, we will receive the money back .After 30days, i never got the refund, I contacted them and they asked us to wait more time with no specific date .i waited then I filed claim with capital one credit card services .They answer stating that I didnt contact them for the refund and If I have their refund policy .So I did provide documentations and proofs about their policy and the delayed flight refund application .Those documents proved my rights and also showed how XXXX  is commenting fraud. 
Capital one closer the case even I have proved all my rights to them, agents doesnt Seems to care and I feel that I have been neglected and took advantage of .I just want my rights as citizens of the united state and as the low says so.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Both accounts are over the 7 year mark. They should not be reporting at all. I have written proof last payment was made over 7 years ago and these accounts are passed the 7 year mark and need to be removed. Please stop reporting old accounts and please remove asap. Thank you BOTH Accounts Below. 

account XXXX account XXXX
Consumer complaint received 2020-06-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

The closing date for our mortgage was XX/XX/XXXX. On XX/XX/XXXX at XXXX we received a phone call from XXXX XXXX at USAA stating that she forgot to submit the closing disclosure form and that we were not able to close until Tuesday XX/XX/XXXX. This not only displaced us but also held up the closing of three other homes as the sellers of our new home needed the funds from the sale to buy their new home. The communication with USAA was deplorable. I had to call USAA Friday morning spent hours on the phone and was told at XXXX that the CD still had not been submitted. Our closing was ultimately delayed due to what USAA called a human error.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I want this false debt to be removed or proved that it is mine. 

This is my rebuttal to the response from ALL XXXX credit Bureaus as well as XXXX XXXX. The information XXXX XXXX provided me as proof that Accountis my account, is the exact same information that all XXXX of the Credit Bureaus provided. 

I need LEGIT proof that the account is my account. Not just my " personal information '', that I, myself, provided to XXXX XXXX and to all XXXX credit agencies. 
What XXXX XXXX did, was send me back a general response in which they hope I will drop this and not continue to fight for proof. I have every right to request legitimate documents to prove this account is mine, as payment records with my signature and bank payments and so on. I am challenging XXXX and ALL XXXX Credit Bureaus verification methods. 

I have the right to see what proof, if any, that XXXX XXXX has to show that this account is mine. Any XXXX person can provide an new or old phone number, my address and so on. Half of that information is found on line for free. especially since I offered all of this information on my XXXX letter. 

I am requesting that ALL XXXX credit agencies provide me with something more accurate and legitimate to prove XXXX XXXX is my account. For example ... the original contract and a record of the last payments that were made, how they were made and when they were made. The dates this was reported on is not a long time ago, so XXXX XXXX should be able to furnish this information since I am completely sure this XXXX XXXX accounts is not mine. 
I am requesting a formal validation of this account ; I am entitled to request the following:1. Proof that you either own or were assigned the deb t from the creditor2. Proof that you have the right to collect this debt in the state of California3. Proof that your company carries a bond4. Proof on how your company assessed the outstanding debt5. Payment history from the original creditors ( must provide source of payment ) 6. Copy of the original contact bearing my signature. 

XXXX as well as ALL XXXX credit agencies are not complying with FDCPADOB : XXXX/XXXX/XXXXAccount Name : XXXX XXXXOriginal Creditor : XXXX XXXXAccount number : XXXXDate Open : XXXX/XXXX/XXXXLast Updated : None ShownReported Since : XXXX/XXXX/XXXXStatus : PAYS AS AGREEDCredit Limit : $ XXXXAddress : XXXX. XXXX XXXX XXXX NV XXXXXXXXAmount Due : $ XXXXLast XXXX of SS # XXXX
Consumer complaint received 2020-08-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I WAS INFECTED WITH XXXX and also the tenants loss of income due to the covid -19 impact on the economy Specialized loan promised a 2nd 3 month forbearance and they called today and said they can not honor that and they mislead me. 

specialized loan services and the investing bank has mislead me and lied and will not honor the 2nd forbearance on loan LOAN NUMBER XXXX property address XXXX XXXX XXXX XXXX FLORIDA XXXX -- -- - SPECIALIZED LOAN SERVICES Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2022-02-20
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. (NV)

I've reached out to Experian a plethora of times to address the damaging accounts reporting falsely to my credit file. Although, I've shown the inconsistency and inaccuracy of these accounts they've continuously came back " verified. '' The facts are not valid, have shown me no proof of contract, and since I have no knowledge of these accounts and have no proof they should be deleted from my report according to the FCRA. 

On XX/XX/XXXX, I sent documentation and a letter concerning the false information being reported. I requested further information or deletion of this mystery account from XXXX XXXX XXXX. I was sent a " verified '' email dated XX/XX/XXXX. I patiently waited for the detailed information I requested via mail and nothing was produced to support Experian 's claim of these " verified '' accounts. On XX/XX/XXXX I sent a follow up demanding a re-investigation and their findings. I was sent nothing in return and this account remained " verified '' on my credit file once again. At this point, this one account has been reporting illegally for months so it made me uneasy about what else could be reporting and damaging my creditworthiness. 

After pulling my reports again, there were accounts that were a mystery to me. I sent a letter asking for proof of validation or deletion of these accounts on XX/XX/XXXX. Each account returned " verified '' although I have no knowledge of any of them and was given no proof of their permissible purpose to report on my accounts. I've reached out to these companies and they sent information that's inconsistent with my personal information, not mine or I've received nothing at all. 

In XX/XX/XXXX, I began assessing my personal information after discovering that my confidential information was compromised in data breaches over the last four years and personal information loss from moving around, I worried about fraud activity. In effort to correct my personal information, I sent Experian my correct and only information. I also asked them to delete any other addresses, names, employers or numbers, as they were not mine. I sent verification of my identity with this request. After taking the proper steps as a consumer, Experian is still housing incorrect personal information which in term is making it difficult to feel at ease with false information reporting on my file. 

This false reporting and errors on my credit file are damaging to my livelihood, they're also affecting me while in the process of finding a safe home for my family during a difficult time. I've specified that to this company and they've made no effort to follow the procedures they've put in place to ensure that my rights as a consumer are met at the full extent of the law.
Consumer complaint received 2020-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

. 
Your company is being asked to forward a formal letter Fia Card Services Na is to write : Your company Fia Card Services Na does not have a present judgment vs XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX cell/text