davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I recently pulled my consumer report, and noticed the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate late payments reporting Please investigate and update as they are causing adverse harm to my credit report and good character : In accordance with the FCRA, my rights have been breeched.15 U.S.C 1681 SECTION 602, 15 U.S.C . 1692 States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there. 

All disputes have been mailed out to the company certified mail and return sender. 

On XXXX XXXX I sent company a dispute for Inaccurate Personal Information that was on my consumer report, as well as unauthorized inquiries. XXXX ) XXXX XXXX XXXX # XXXX Inaccurate Personal Information. XXXX ) XXXX XXXX XXXX # XXXX Unauthorized Credit Inquiries on my credit report. 

A dispute was sent out XX/XX/2024 XXXX  # XXXX for unverified late payments reporting on my consumer report on the following accounts XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

I have attached valid copy of Passport, Social, and utility bill with my current and only address XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

The only EMPLOYER that should be reporting is XXXX XXXX XXXX. 

This is now my second attempt trying to resolve this issue with XXXX.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report.
Consumer complaint received 2018-12-15
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. (FL)

XXXX XXXX XXXX is showing that I am 30 day late for XXXX. 
My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (WI)

I have a Problem with how my Mother 's Death is Being used for Profit. In XX/XX/XXXX my Mother Passed away and I was on Her Mortgage as a Co borrower.At That time XXXX had the Loan. I Submitted my Mother 's Death Certificate but my name is not on her death certificate as power of Attorney.So The Loan Was sold To Penny Mac Loan services and was done as a way to profit off my Mother 's Death.Penny Mac Got the Loan in the about XX/XX/XXXX.Heres were the situation went totally wrong, Once the death certificate got to Penny Mac They should have went at the Power of Attorney for the Pay off of the loan.Instead they came after me and clearly came with the intent to scam me out of my mother 's home. In XX/XX/XXXX the Home went into foreclosure and the Power of Attorney wasn't held accountable for the funds to pay off the home. I was held accountable, but I wasn't the power of attorney over my Mother 's Estate.I was continually harassed for 5 year 's by Penny Mac unfair business practices.On XX/XX/XXXX, Penny Mac Sold the Loan to XXXX XXXX XXXX once they figured that they over looked the name of the power of attorney on my mother 's death certificate.Now XXXX is trying to continue this illegal game of Death. I am not the power of attorney of my mother 's estate. My Mother was the primary holder of the Loan and I was a Co borrower.The Power of Attorney on my mother 's death certificate should be held responsible for any dealings with these mortgage companies.Once the company 's realize they made a horrible mistake by how I was and am being treated, what will be done. Both companies should have my mother 's death certificate so they should have to produce it with a explanation of this Illegal Practice.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : {$22000.00}
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy 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 2022-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (AZ)

PLEASE NOTE : This loan is in my intellectually XXXX daughter 's name. ( XXXX XXXX XXXX. ) I am her XXXX XXXX. I was unaware she took out this loan. My first problem was attempting to pay off loan ahead of schedule to avoid additional interest. I can not get a copy of what she signed. Customer Service ( overseas ) claims to not have access to the information, and says we must set up online account. We have been unable to do so. Original loan was set up under her boyfriends ' email and phone number ( she could not remember her XXXX password ) and we have made at least 4 attempts to change that information by phone. We were told we would receive an email " within 3-5 business days '' allowing us to set up online. We received that email ONCE out of four requests. This is what it said : " This is a single-use link that expires in 3 days.... Once submitted, please allow 4 business days for your documents to be reviewed and, if approved, updated. You'll be notified via email on the outcome of your request. '' ( Copy of full email attached. ) When I attempted to use that link, I was " thrown out '' from their page, and the link was no longer usable. So, after over a month of repeated phone calls, we got one link, it expired in 3 days, it was single use, it did not work. In at least 6, probably more, phone calls, we were passed to other representatives, disconnected, told by a supervisor that there was no one else who could assist us, and told repeatedly we would receive emails that never came. I estimate we spent around 3-5 hours trying to resolve issues by phone. 

In frustration, I attempted to use the original email and phone ( boyfriend 's ) to set up online. After 50 minutes of repeatedly uploading ID, picture of daughter, picture of daughter holding ID, literally dozens of times, I received an error message saying there was a problem. I then tried again for another 5 minutes of uploading documents several times, message was " we can not set up your account at this time. '' ( Screen shots attached. ) A legitimate financial company can access your information when you call. It will allow you to correct errors or update information immediately. It will allow you to set up online. It will provide you with a copy of documents signed. It will normally allow you to pay off a loan that is amortized monthly early, without having to pay the interest for the entire term of the loan. I can not confirm what the terms were because I can not get a copy of them. 

I have already paid most of this off, as much as I could estimate with no information provided. I will make a final payment to satisfy what I feel is the appropriate balance amortized at the rate told to me, 27.95 %. If I can get something that my daughter signed that allows for a full year of interest despite early payment, I will pay the balance. I can not believe this company is abiding by US laws on financial disclosure. It should be shut down in the US.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union ( NFCU ) offered to reimburse up to {$500.00} in appraisal fee, pending that I used my NFCU credit card to pay for the cost of the appraisal. I received the request via mail and decided to use the promotional offer. The appraisal fee of {$450.00} was paid on XX/XX/XXXX using my NFCU card, and I closed on the property XX/XX/XXXX. According to NFCU, the money would be returned to me within six weeks of closing, but theyve failed to adhere to their policy. I called to follow up XX/XX/XXXX and was not able to get a definitive answer from XXXX ( MLS # XXXX ) which stated she would notate the account because I complained about calling multiple times.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Notice i XXXX : XXXX am making this document on my only accord and will, no third party was used to make this complaint. 

XXXX : XXXX, XXXX beneficiary ) d/b/a XXXX XXXX XXXX ( trust ens legis ) Unauthorized transactions totaling {$5500.00} XX/XX/2022, has created a hardship for this consumer. i have not authorized any transaction, i called Bank of American, they couldn't provide me with any documents on why these transactions was approved. 

All documents should be sent to me immediately. 
Court documents should be in accordance with 28 USC 1691
Consumer complaint received 2020-09-23
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. (NC)

Contact XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX This is not my account Have disputed and ask them to provide the information about my account and they have not {$420.00} Owner INDIVIDUAL credit grantor {$300.00} Account Type MONTHLY Term Duration {$420.00} Date Opened {$420.00} Date Reported Date of Last Payment Scheduled Payment Amount 15 Delinquency First Reported CLOSED Creditor Classification Charge Off Amount REVOLVING XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX UNKNOWN XX/XX/XXXX Credit Card XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-12-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation (CO)

We close on our home XX/XX/XXXX, FHA loan, SWBC Mortgage Company. Since our very first payment, SWBC has not kept accurate records of payments they said we missed our XXXX XX/XX/XXXX payment. on XX/XX/XXXX we paid {$4600.00} because they said we missed XX/XX/XXXX payment, so the XX/XX/XXXX payment was for the missed payment for XXXX which brought us current. XX/XX/XXXX we paid {$2300.00} on XX/XX/XXXX we paid another XXXX because they said we was behind again, but we where current because we took out our 401 plains to make those payment to become current. 
Every since then records have not been accurate both double payments kept us behind along with XXXX having to go on workman compensation for a XXXX so we ask for a loan modification.On XXXX XXXX that's when the loan modification was granted along with a trial period we passed the trial period. XXXX XXXX HUD gave SWBC {$95000.00} toward our account it took our payments for {$2300.00} to {$1600.00} per month. After we were granted the loan modification our payments were {$1600.00} our payments went up to {$2100.00} per month. This is not a loan modification. 
We have tried numerous of times to work this out with SWBC to no avail. Now we are right back where we started, XXXX, XXXX we paid {$1600.00} and XXXX we paid {$1900.00} now we are at {$2100.00} per month. This is no loan modification.
Consumer complaint received 2018-10-19
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. (TX)

I am a victim of identity theft. The accounts XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2022, 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'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (TX)

I have made two payments to my credit card company, First Progress Card. They have claimed to not receive my payments and it has been approximately 30 days since the payments were taken out of my bank account. When I contacted them they told me that I needed to send them proof of payment via fax. When I did so they have continued to claim that the fax nor the money was received even though my bank ( XXXX XXXX ) ensured me that they did receive the money from my account.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PR)

While reviewing my credit report I realized that there has been unusual activity. Found that there has been at least XXXX unrecognized/unauthorized hard inquiries on the XXXX main credit bureaus ( Experian, XXXX, XXXX ) .This were made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/XXXX, we called PennyMac Loan service to get a payoff for our mortgage. They told us that it would take 7 to 10 business days to receive it. We asked if there was a way to expedite the process because our closing was on Friday XX/XX/XXXX. We called the week of the XX/XX/XXXX and every time the title company and my husband and I called, they said " its pending '' call back later. But it is expedited. They said during one phone call that our house was in the process of foreclosure and it was given to an attorney. However, when we asked them about the attorney 's contact information the loan service said that the attorney would charge every time we called which would add to our expenses which stopped us from calling the attorney 's office. One day my husband called the attorney 's office and asked if he spoke to someone about the process our house was in, would we get charged just for inquiring? They said absolutely not. Therefore, the loan service had lied. Our title company has been authorized to call our loan service as well and everytime they call, customer service is super rude and saying there is absolutely nothing the loan service can do. They say to contact the attorney because that is what they are waiting on. We are well past the 10 day mark-up and yesterday my title company called and the loan service said " oh well because it is in the process of foreclosure is could be up to 2 weeks before receiving the payoff. '' This was never stated and the process has not gotten into depth. We called the attorney 's office and they said they have done everything on their part and now we are waiting on the loan service to finish up the final product. We are going in circles and there are still no numbers given of when it will be done and how much we are looking at paying. They are harming me of my financial state. I am not paying the added up charges and interest they are accruing for every day after the 10 day marking period when I should have had my payoff in the first place.
Consumer complaint received 2021-12-23
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. (AZ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

I continue to receive DIFFERENT collection agencies over an alleged debt owed to XXXX XXXX XXXX. Not my debt. I have said to XXXX XXXX XXXX many times and I continue to receive collections notices. I started to report this to the CFPB and there is a prior case number of XXXX. There is a clear pattern of going from one debt agency to another debt agency, in perpetuity. Perhaps the law has a loop hole that requires patching up since the consumer is still being harassed by the same alleged debt just by different collectors. Shame on you XXXX XXXX XXXX. I have already communicated with you on more than one occasion ( and each time I must bear the incredible wait time ). Each time I must wait for your associate to find the file, the information and these poor associates are clearly from another country trying to figure out what is going on. I then sit through a tricky session where I barely comprehend the XXXX. Then I repeat my story. Each time, promise to sort it out but I continue to receive collections letters. 

I have spent countless hours dealing with this. 

Sequium Asset Solutions , LLC is another collector sending me letters.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (FL)

There is a student loan on my account. I did not attend XXXX XXXX XXXX. I should not have this debt on my credit report. There is a loan amount of XXXX on my credit report date of disbursement XXXX, XXXX XXXX and XXXX, XXXX XXXX. I have tried to dispute this matter but have been forced to pay and threatened that if I do not pay my wages would be garnished.
Consumer complaint received 2018-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

XXXX XXXX XXXX XXXXView All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage 227 % Balance {$3600.00} Balance Updated XX/XX/XXXX Credit Limit {$1600.00} Monthly Payment {$130.00} Past Due Amount {$200.00} Highest Balance {$3600.00} Terms Revolving Responsibility Individual Your Statement - Comments Subscriber reports dispute resolved - consumer disagrees MULTIPLE CHARGES WERE MADE TO THIS CREDIT ACCOUNT WHICH WAS THE RESULT OF IDENTITY THEFT. CREDIT ISSUER CLOSED ACCOUNT WITHOUT NOTICE TO CONSUMER, AND REFUSES TO CLEAR CHARGES OFF OF ACCOUNT. CONSUMER DISPUTES ALL EXISTING AND FUTURE DEBT OWED TO CREDITOR.
Consumer complaint received 2018-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

multiple attempts to collect on a debt that has been charged off. 
I did mistakingly make a payment via Credit / debt card for {$1800.00} on XX/XX/2018 but our back deemed the charge a fraud and canceled the transaction, i have attached the emailed letter sent to me. A XXXX search of the number they call from shows multiple fraud complaints and unfair attempts to collect on old non existent debt. 
i believe it may be an XXXX XXXX Mastercard
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (TX)

Date : XX/XX/2020 Applied today to Refinance with XXXX XXXX, to replenish my emergency funds for COVID19 and to make small repairs to my home. 

During my Application over the phone with my Mortgage Company, Credco was used to obtain my credit score and information. My Loan Officer informed me that my Credit Scores were significantly lower than what was reported to me by XXXX, XXXX  and XXXX. Credco 's report was full of inaccuracies which Credco claims to obtain from the 3 credit reporting agencies directly and then blend them into one report. 

The Credit Score and Information will GREATLY effect what Interest rate I receive and cost me more money thus financially injuring me as well as causing suffering due to having to take the time to get them to correct their errors. 

I looked " Credco '' up on FTC.gov and found that " Credco '' has been Sanctioned and Penalized for these very things before. 
https : //search.usa.gov/search? query=Credco & submit.x=0 & submit.y=0 & affiliate=ftc_prod I am sure I am not the only recent " Credco '' victim
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (FL)

ASSOC CREDIT SERVICES XXXX XXXX XXXX XXXX. 

XX/XX/2018 {$800.00} I HAVE NO KNOWLEDGE OF THIS DEBT. ANY ACCOUNT ( s ) OPENED IN MY NAME IS A RESULT OF IDENTITY THEFT.