davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2000.00} and XXXX  XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}.
Consumer complaint received 2022-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Account Numbers 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 2. XXXX XXXX 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
Consumer complaint received 2018-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One has been emailing me account information for someone else for nearly a year now. They opened an account XX/XX/XXXX and I have been getting emails ever since then. I called them back and spoke directly to a customer service representative that told me someone with the same name and a different social security number signed up for the account. I told them they used the wrong email address and requested they open an inquiry. I thought it would end there but I keep getting emails about this persons account. 

I am sure I had more emails notifying them of their mistake ( I probably deleted some ), but currently I have 22 emails dating back to XX/XX/XXXX requesting that they stop emailing me someone else 's account information. I continue to reply or forward the emails they send to XXXX every time they email me, but they will not stop giving out someone else 's information. Below is just one email as I am sure you don't want me to attach all 22 emails. 

Also, FYSA XXXX, XXXX, XXXX or any way of spelling out XXXX with a period anywhere in it is still my email address. So there are emails received as XXXX and the ones I reply with are XXXX but it is the same domain email address for XXXX. Ask them if you don't believe me.
Consumer complaint received 2019-09-23
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: PENTAGON FEDERAL CREDIT UNION (MA)

On XX/XX/2019 I called Pentagon Federal Credit Union to inquire about a pre-approved credit card offer that I received in the mail. I told the representative with whom I spoke that I was not interested in the card advertised in the mailer ( a Visa card ) but that I would like to know if the pre-approval applied to their other card products. He told me in no uncertain terms that it did. As far as I knew, he then assisted me with applying for a different product, an XXXX XXXX card, for which he told me I was approved. I found out the following Monday that this representative had lied to me, and in fact he had processed an application for the Visa card without my permission. After numerous phone calls to PenFed and discussions with supervisors I was told that the credit union would not honor the approval for the XXXX XXXX card, which was the only card I was ever interested in opening with this institution. One representative suggested that I simply put in a new application, which I did on XX/XX/XXXX. This application was declined. The result is that PenFed placed two " hard '' inquiries on my XXXX credit report. I have asked them to remove the inquiry from XX/XX/XXXX, since I never consented to apply for the Visa card and in fact the representative I spoke with lied to me repeatedly and told me he was processing an application for the XXXX XXXX. I was told by a couple of people at PenFed that this inquiry could have been placed either in connection with the credit card application or in connection with my joining the credit union, a condition of opening a credit card account. Since none of this was disclosed to me at the time and I never gave my permission to have my credit pulled for any purpose other than to apply for an XXXX XXXX card I reiterated that I expected that inquiry to be removed from my report. I was told by the last supervisor with whom I spoke that the tapes of my initial phone conversation would be reviewed and that I would be contacted after he determined what happened. This was in XXXX. I never received any follow-up call, and the inquires have remained on my XXXX   report.
Consumer complaint received 2019-09-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (CA)

I have been paying on this loan for about 10 years. And every month I receive late fees of totally random amounts. From {$130.00} to over {$360.00} I receive a late fee every month. This month the late fee is {$270.00}. I have called a hundred times and talked to many people and some say that I haven't been charged that late fee and some say its accurate. But here is why I feel they are lying to me. Early on I tried working with Wells Fargo, I changed my due date with them. Then they told me I was paying my loan too early and the the amount I was paying was tacking on to the previous month and not the current month. Frustrated I asked them to pick the date to avoid this problem, so they did. They picked a date that would not penalize me for being late ( When I never was ) or for paying too early. The late fees keep coming. Here 's the best part, My payment is automatically deducted every month from my bank account. There is no problem with me forgetting because I don't have to remember! Its automatic!! Still I receive late fees from them. I have asked Wells Fargo many time if they can explain why I am getting these charges and most of the time they can't tell my why. They also raise my monthly exponentially, currently my payment is {$670.00} and it started around {$150.00}
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

My mortgage was sold from XXXX to Shellpoint Mortgage Servicing. I received a letter to submit proof of homeowners insurance, I mailed it as the letter indicated I could do, a month later I got another letter so this time I used the company online XXXX XXXX XXXX that they said was available to submit through and I saved the email stating I used it - no details in the email as to what I did. But proof I did something on that date on that website. Then insurance was force placed and I sent a note online through the Shellpoint system with the email proof attachment. I received a letter today ( certified ) that stated nothing was received and that I had to get them proof of insurance and make sure the ISAOA is Shellpoint and that they can't determine an error occurred on their end and are still expecting that I pay them fo reforged placed insurance. 

First of all I didn't ask to have my loan sold, insurance has AWLAYS been in place and has not changed companies for at least 3 years. If they are selling /buying my loan then they should update the ISAOA, I don't need more things to do in my day because they want to make money. In addition to that if I can mail something and it is not required to be certified then you should not be able to say you didn't get it to put {$4000.00} insurance on my home. I feel like this is orchestrated so people are charged excess money. My insurance has never lapsed and I have not asked to have anything on my loan changed. I did what I was asked when I mailed and then later went on a website and entered info. I was not aware I HAD to change the ISAOA after the sale, they had the documentation. If I was responsible then I should have been sent a bold letter letting me know what to do. I don't know because my mortgage is sold, I have that responsibility. This is the 2nd time XXXX and now Shellpoint has force placed insurance on my home. I can prove it has never lapsed In addition I had to do all of the leg work to have my PMI removed with I automatically hit 78 %. That should not have been my job either. They have a responsibility to the customer and I still think they charged me too long for it because my amortization schedule said I met the 78 % in XXXX and I continued to pay PMI in XXXX & XXXX before it was dropped form my payment.
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery (CA)

An acquaintance at XXXX XXXX University ( XXXX XXXX ) suggested I attend his XXXX program, ( back in 2017, I think ). I could not attend or enroll in any of his classes at XXXX XXXX University because I did not have the money to do so. He assured me that I would not be charged any tuition fees and that I would not be enrolled in or owe money for any of his classes. Nevertheless, I received a bill from XXXX. for thousands of dollars in tuition fees. I have never attended any classes at XXXX. nor, to my knowledge have I ever enrolled in any classes at XXXX. I complained to XXXX XXXX about the bill. He assured me that he would fix this problem. I now am receiving collection letters from Immediate Credit Recovery , Inc. ( a collection agency ). They say I owe them {$3300.00} for tuition fees at XXXX. ICR   : P.O.Box XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX XXXX. I also show this figure on my credit report and my credit score has taken a diveXXXX XXXX. has refused to fix the problem and ICR still sends me collection letters. Also, XXXX XXXX refuses to pick up his phone. Land line at XXXX. : ( XXXX ) XXXX, cell phone : ( XXXX ) XXXX. Fix this please.
Consumer complaint received 2019-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I went to apply to go get my new car they told me I was denied because of credit When I asked to see my credit report I saw things on there that I didn't know anything about. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXX. These items are still on my report and I need help with this. I have already contacted the FTC and the police.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Incorrect information has been reported to the credit reporting bureaus and it is damaging my credit ratings. Moreover, the incorrect information is over 12 years old. 
XXXX XXXX XXXX, XXXX ( " XXXX '' ) is a third party XXXX XXXX XXXX provider. XXXX serviced a mortgage I held on a house owned in XXXX, WA : A house I sold in XX/XX/2007. Sale of the house resulted in the full payoff of the loan XXXX was servicing. 

This loan was paid off, in its entirety, in XX/XX/2007. Thus, there was no loan, no loan obligation, and no payment obligation after XX/XX/2007. 

In XX/XX/2007, one month after the loan was paid off, XXXX reported a " late payment '' to the credit reporting bureaus. There were never any late payments -- I had never been late on any payment on the mortgage. This is troubling because XXXX reported a late payment AFTER the loan had been paid off. Then, XXXX reported the loan as 60 days late. This is a very damaging item on my creditor report : A report that has no other similar late payments. 

12 years have passed. Setting aside the factual inaccuracy of the alleged pate payment, XXXX  has refused to notify the credit reporting bureaus to remove this from my credit reports. This failure is despite my repeated attempts to notify them of this problem and multiple requests for their assistance to correct this error. 

XXXX is taking affirmative and active steps to maintain the late payment on my credit report. It is very strange behavior, to be sure, but something I hope your organization can help me correct. 

Submitted with this complaint are copies of my current credit report from all three credit reporting bureaus. XXXX does not show the late payment -- XXXX and Equifax both show the incorrect information about XXXX. 

NOTE : No money is owed -- there were never any late payments -- I complied with all terms and conditions of the mortgage. The loan was paid off, in its entirety, in XX/XX/2007.
Consumer complaint received 2019-09-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Specialized Loan Servicing Holdings LLC (FL)

Incorrect information has been reported to the credit reporting bureaus and it is damaging my credit ratings. Moreover, the incorrect information is over 12 years old. 

Specialized Loan Servicing, LLC ( " SLS '' ) is a third party residential mortgage services provider. SLS serviced a mortgage I held on a house owned in XXXX, WA : A house I sold in XX/XX/2007. Sale of the house resulted in the full payoff of the loan SLS was servicing. This loan was paid off, in its entirety, in XX/XX/2007. Thus, there was no loan, no loan obligation, and no payment obligation after XX/XX/2007. 

In XX/XX/2007, one month after the loan was paid off, SLS reported a " late payment '' to the credit reporting bureaus. There were never any late payments -- I had never been late on any payment on the mortgage. This is troubling because SLS reported a late payment AFTER the loan had been paid off. Then, SLS reported the loan as 60 days late. This is a very damaging item on my creditor report : A report that has no other similar late payments. 

12 years have passed. Setting aside the factual inaccuracy of the alleged pate payment, SLS has refused to notify the credit reporting bureaus to remove this from my credit reports. This failure is despite my repeated attempts to notify them of this problem and multiple requests for their assistance to correct this error. 

SLS is taking affirmative and active steps to maintain the late payment on my credit report. It is very strange behavior, to be sure, but something I hope your organization can help me correct. 

NOTE : No money is owed -- there were never any late payments -- I complied with all terms and conditions of the mortgage. The loan was paid off in its entirety in XX/XX/2007.
Consumer complaint received 2019-09-23
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. (FL)

XXXX XXXX XXXX issued a credit card to someone using my name and SS # and is on my credit report. I have contacted XXXX and reported this as well as Exprian. I believe my SS number may be comprimised. 
I have no documents or any correspondense of this matter
Consumer complaint received 2019-09-23
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. (CA)

Some one open an account with information that was stolen. Experian was notified on several occasions and it was deleted. XX/XX/XXXX the collection agency resubmitted the same information and it was posted to my credit file. I have sent them this information over and over again I have even submitted the police reports that supports my claim. 


Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX  XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Comerica (KY)

US Direct Express is the most dysfunctional organization I've encountered. I have tried to make a money transfer twice. I have a confirmation number. After three weeks, the transfer has not been received but, the money was deducted from my account. Every time we tried to contact someone at US Direct Express the recording said they were too busy and to call back at a later date. That happened numerous times. We could never get through to a live person.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

In XXXX I purchased a XXXX wheeler from that was financed with XXXX XXXX. In XXXX we were told of an extra charge on the account ( balloon payment ) which was not reflected on the contract I signed. Verbally with XXXX finance, I challenged this, sent them a copy of my contract and disputed the additional fee. I was directed not to make a payment until this was settled. After arguing this with XXXX XXXX, I was essentially told that I would be held to the balloon payment and I needed to pay the account in full. on XX/XX/XXXX I made the final payment, against my belief that it was a fraudulent charge of {$2200.00}. In XXXX I went to apply for a mortgage and noticed that XXXX XXXX had " charged off '' this account. I disputed it and they changed it to " paid in settlement {$2200.00} written off ''. I disputed this again as it is incorrect. They changed the status to " legally paid in full for less than the full balance ''. I disputed this again because Not only does this balance not reflect in my signed contract, but I actually went ahead and PAID it. I disputed this again and they changed it once again to " paid in settlement {$2200.00} written off ''. This is incorrect so I disputed it XXXX more time by calling experian directly and having a phone conversation. I just received the dispute results and it was not changed. It still reads " paid in settlement {$2200.00} written off ''. 
I was not contracted to pay a balloon payment and after battling a company to prove myself, they went silent and said I owe the balance of {$2200.00} in full. I paid them in full and it still reflects that I did not and has a negative impact on my XXXX XXXX and life.
Consumer complaint received 2019-09-23
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. (GA)

When I went to apply to go get my new car they told me I was denied because of credit When I asked to see my credit report I saw things on there that I didn't know anything about. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXX. These items are still on my report and I need help with this. I have already contacted the FTC and the police.