davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
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. (CO)

My original disputes were opened on XX/XX/year>. Experian had until XX/XX/XXXX th, XXXX to investigate, they did not investigate. Evidence of this is in the credit report I printed off XXXX XXXX. The address for the alleged student loan debt has the wrong address. The address was not changed until my second dispute in XXXX, XXXX. These loans have been sold, and are no longer valid. The dept of Education has had plenty of correspondence with me, yet they have not responded to a physical letter. The other credit reporting agencies had the correct address, yet Experian didn't. Despite this, they will not remove the department of education student loans, that are no longer owed. Experian has a slew of violations against me. They were told that XXXX addresses are invalid and outdated, which I have a right to have deleted as well as they have an obligation to delete them. They haven't, they State it remains as history. In Colorado, we have the right to have it deleted. I requested the information that I started earlier, which they have not provided, they said it was frivolous and they aren't going to comply. I was denied credit as a result of a report sold by Experian. Experian is supposed to be fair and equitable yet they aren't. They haven't provided any method of verification, no investigative report, for XXXX I have disputed. They should have either changed the address by XXXX XXXX, or delete it due to their lack of investigation for the alleged student loans. They should have provided method of verification for XXXX XXXX  XXXX  and investigative report also, yet i have disputed 3 times, yet they haven't provided any of the information. The website is very difficult to navigate and to read, I have asked Experian 4 times now to send this information in writing. They failed to do provide in writing, they failed to provide via email, they failed to provide in their website.
Consumer complaint received 2019-01-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I signed up for the a Capital One 360 Money Market account with offer code XXXX for a {$500.00} account bonus. I deposited the required amount between XX/XX/XXXX and XX/XX/XXXX. Capital One 's fine print states that they will deposit the bonus within 60 days. I have still not gotten the bonus as of XX/XX/XXXX. I called on XX/XX/XXXX and was told that I must maintain the required deposit amount as a balance. No where is that stated on the original offer yet the CSRs kept telling that is a requirement. Capital One is not honoring their sign up bonus by retroactively adding terms. Attached is the full page of original terms.
Consumer complaint received 2019-01-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP (GA)

I closed out my mortgage loan with Selene Finance when I sold my former house on XX/XX/2018. I was told by the closing attorney that Selene Finance would send me a check for the excess money in my escrow account within 20 days of closing. Selene Finance has confirmed that there was approximately {$4000.00} in my account but they have not sent it to me, despite numerous attempts to contact them.
Consumer complaint received 2022-07-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-27
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)

There is information on my XXXX and Experian credit report that has already been removed from my XXXX report. All consumer reporting agencies conduct the same investigation process so these items need to be removed. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between a consumer and a person making the report are not supposed to be on my report as well. All of this is federal law the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys.
Consumer complaint received 2022-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

I had phone services with XXXX XXXX for about ten years and decided to switch providers in XX/XX/2022 to XXXX XXXX paid off the remaining balance on XXXX of my devices. i am now getting collections letter from XXXX stating that i owe them {$1100.00} for nonpayment when they agreed to port all my lines over from XXXX to XXXX. I kept the same numbers as i had with XXXX. the only way they would allow me to do that was to pay off my last bill, which i did, and were able to keep my phones and numbers. Now they are trying to charge something that was already paid.
Consumer complaint received 2019-03-31
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. (TN)

My exwife opened a XXXX Credit card in 2009 ( 3 years before we ever met ). Shortly after we met, she added me as an authorized user and I never even had a card. The three credit reporting agencies are claiming the was a jointly owned account and that when we filed bankruptcy, Im responsible for the debts on a card I never truly was responsible for, nor had I ever made a single purchase with it. Im trying to repair my credit and I dont need something that I was never responsible for being held against me. I have no documentation because I never had a card nor was I allowed access to the account
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding # XXXX is reporting a balance on my account that should not be there. I have paid this account in full and it needs to be deleted off of my credit report or fixed to show a XXXX  balance.
Consumer complaint received 2024-02-08
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. (AZ)

I applied for a mortgage from XXXX Mortgage yesterday. Today I have received over XXXX text messages and over XXXX unsolicited calls in XXXX hours from other lenders and scammers. I contacted XXXX Mortgage regarding my concern and was told the credit bureaus sell your information to other lenders when you apply for certain types of loans. This is completely unacceptable in my view. I have no way to stop these calls and they just keep coming and it is impacting my ability to do my job. This process should be illegal. Most of the calls are from scammers as well. I know Experian was the credit bureau that XXXX used.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (CA)

Ocwen, which recently changed their name to PHH XX/XX/XXXX, and now they are known as XXXX, is fleecing my husband and me as consumers. We are in agreement with the servicing center for a shared appreciation modification. Under this modification, 100 % of our deferred principal balance would be forgiven in equal installments over ( 3 ) years on each of the first, second and third anniversaries of the modification date which originated XX/XX/XXXX. This deferred principal is treated as a non-interest bearing principle forbearance and we are not obligated to pay interests or make monthly payments on any portion of it. This amount has never been reported to the three major credit bureaus over the past 2 years and 6 months since the signing of the modification until recently. 

1 ) Ocwen/PHH/XXXX XXXX  has breached the terms of the modification by not forgiving one-third of our principal balance on the first anniversary of XX/XX/XXXX, this portion was not forgiven until XX/XX/XXXX, the second anniversary of XX/XX/XXXX which was not forgiven until XX/XX/XXXX and the third anniversary of XX/XX/XXXX which has yet to be forgiven. 

2 ) Ocwen/PHH/XXXX XXXX before XX/XX/XXXX was only reporting the regular principal balance to the three major credit bureaus. Once the company changed its name, they added the remainder of the deferred principal to our regular principle balance and increased our debt by {$46000.00}, thus, lowering or credit score by as much as 20 points. 

3 ) Owen/PHH/XXXX XXXX has yet to take accountability for their actions after countless conversations with representatives. Today, XX/XX/XXXX we spoke with XXXX, agent identification number XXXX, who stated that the remaining deferred principal of {$46000.00} amount would be added to the backend of our loan per a letter dated XX/XX/XXXX. She asked, " how much do you believe that you owe? '' We immediately asked for a supervisor and was transferred to XXXX, agent identification number XXXX, who stated that a letter was sent out which states that the debt would be forgiven on XX/XX/XXXX. 

4 ) Although we have arrived at our third anniversary, we have yet to have the remaining deferred principal forgiven. Our credit score has been significantly impacted by the actions of Owen/PHHXXXX XXXX.
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (ME)

I processed a automatic payment on XX/XX/2018 for my XXXX mortgage payment. The subsequent statement indicated I missed that payment. As a result, I paid my XXXX mortgage payment a second time on XX/XX/2018. I then confirmed that my bank made the XX/XX/2018 payment electronically, and provided the credit trace number to Mr. Cooper on XX/XX/2018. It presents an unfair burden to a consumer to have to pay twice in order to avoid late charges and reports to credit agencies. It is also not reasonable that a consumer to have to call numerous times and wait weeks in order to get the issue resolved.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WY)

Equifax Credit Information Services, LLC XXXX. XXXX XXXX, XXXX, GA XXXX To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 


Please update my address to XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, Name XXXX XXXX
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

I cashed a check with Chase back in 2015 and contacted customer service to verify that the check was not fraudulent. The customer service representative said that their was no issue with the check and the funds were in my account and available for withdrawal so I withdrew {$1500.00} assuming that they were correct and three days later logged in to my account to find out I had been charged {$12.00} and the {$1500.00} because the check was fraudulent.
Consumer complaint received 2019-07-12
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)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THE ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (VA)

Suntrust bank dishonestly and erroneously stole a total of {$100.00} from my checking account. On XX/XX/XXXX, a deposit of {$340.00} was made to cover a withdrawal to my sons ' college education fund that was scheduled on the same day. Suntrust falsely noted that the deposit was made on XX/XX/XXXX - even though I have a receipt indicating that the deposit was made on XX/XX/XXXX. Suntrust then charged a {$36.00} overdrawn fee even though the account became overdrawn only because Suntrust made a mistake by not crediting my account on the right day ( June 18 ). 
Because Suntrust erroneously charged a {$36.00} fee, there was not enough money to cover a check of {$15.00} that was paid the next day ( June 19th ). Suntrust then levied two additional {$36.00} overdrawn fees. In other words, Suntrust 's mistake in the deposit date caused three overdrawn charges amounting to a total of {$100.00}. 
To make matters worse still, Suntrust told the CFPB that it had contacted me regarding this issue. But it has not yet done so. Suntrust refunded only one of the three fees and therefore, it still owes me XXXX..
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian refused a certified letter from me disputing a debt. This violates my rights to dispute incorrect information on my credit report. Experian must legally review every letter to see if it has new information that is relevant to items on my report. Experian refused a letter without reading the contents inside, which means they failed to review the letter for new information. They have denied me my right to dispute items on my report. Experian wrote " refused '' on a certified letter mailed on XX/XX/XXXX ( picture included ). 
I have reached out to Experian twice over a debt that is not mine. I have asked Experian if they have the original contract for the debt with my written signature. This is required under section 609 and section 611. Experian has never provided proof that they have a copy of the contract with my signature in their possession. Instead they send me documents that I have not asked for and are not the contract. If Experian doesn't have the contract, they must remove the debt from my report. 
Experian has failed to provide proof of the contract ( again, no actual contract has ever been sent to me, and they have never proved they have it in their hands ), and now they are refusing mail. 
This is illegal, and this violates my rights. They are legally bound to review letters to see if new information is provided.
Consumer complaint received 2018-02-01
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. (MD)

There is an account, XXXX XXXX XXXX XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX XXXX that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX XXXX several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.
Consumer complaint received 2023-08-08
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: LTD Financial Services, L.P. (SC)

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). 

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. 
I have enclosed a copy of the credit report containing the disputed accounts. I look forward to your prompt action to resolve this matter. 
Thank you for your time and understanding.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

This is about a collection account reported on my credit reports by Midland Credit Management, a debt buyer. The original debt was from XXXXXXXX XXXX  XXXX XXXX XXXX. THE DATE OF DELINQUENCY IS INCORRECT. My credit report shows that XX/XX/XXXX is when the debt first became delinquent. The true/real date is at or about XX/XX/XXXX.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2019-01-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (PA)

I am a XXXX XXXX XXXX XXXX  XXXX veteran in the state of Pennsylvania. I applied for my real estate tax exceptionu see Pennsylvania statute 51 PS section 8903. I received my certification for this tax exemption from XXXX County board of assessment appeals on XX/XX/XXXX, with an effective date of XX/XX/XXXX-XX/XX/XXXX. This certificate states this exemption will affect all real estate taxes levied between these dates. I have submitted the certificate to my mortgage company Cardinal Financial Company. I have spoke to several employees and even a supervisor. They refuse to update my escrow to the XXXX  taxes. They have the certificate from the state but is still denied to me. Ive made many attempts to fix this but they refuse. Im not sure what to do from here. Ive called my tax office and they instructed me they will not provide any more paperwork, that the certificate is all they will provide. The mortgage company is asking for an updated tax document proving I pay no taxes. My tax office says they cant produce a paper showing the XXXX. And that the mortgage company and myself will no longer be sent tax bills because I wont even produce a bill in their system becuse im exempt. But for whatever reason cardinal financial acts as this has never happened and refuses to cooperate with me.
Consumer complaint received 2022-08-27
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. (TX)

There is information on my TransUnion and XXXX credit report that has already been removed from my XXXX report. All consumer reporting agencies conduct the same investigation process so these items need to be removed. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between a consumer and a person making the report are not supposed to be on my report as well. All of this is federal law the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys.