davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
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. (GA)

My personal information was left in my wallet, which I unfortunately was pick pocket at a shopping mall. I am a victim of Identity Theft & XXXX Data Breach. Despite my immediate and repeated attempts to retrieve it by contacting the mall on the same day and subsequently, my wallet was never recovered from the thieves. Upon realizing this, I decided to pull my credit report because I'm in need for a car very badly, and to my dismay, I discovered unauthorized collections accounts and hard inquiries that do not belong to me. XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Co XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report shows a collection from your agency with a balance of {$1100.00}. I was never notified of this collection. Whats more, I do not believe this debt is accurate. I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, XXXX and when I requested, they provided me with the original contract over an month ago, they did not give me one. This has been an ongoing battle for me, spanning over XXXX long years. I urgently request the removal of these erroneous entries from my credit report immediately. I am currently in the process of securing a new car and a home for both myself and my XXXX daughters who I have full custody of, as we face the threat of homelessness. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Additionally, I would like to emphasize the importance of upholding the credit repair law as outlined in 15 U.S. Code 1681 and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. Your cooperation in rectifying these discrepancies is greatly appreciated.
Consumer complaint received 2019-04-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My lender penny mac failed to pay insurance from my inpound account .the insurance was then canceld .they told me they sent letters i do not recall seeing any or i would have responed .the lender placed there own insurance .califorina civil code 2954.1 states they have to pay insurance and taxes on time .the lender is now saying the inpound account is over drown by XXXX and i need to pay it back ... please any help would be great.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

I entered into a payment arrangement and contract with Select Portfolio Servicing in the beginning of XXXX and have made the payments on time, however SPS has been reporting my payments as delinquent and that is an error. The arrangement was to lower the monthly payment temporarily and SPS agreed to this, but reported to the credit bureaus in error and did not report to the credit bureaus accurately reflecting this change. The payment plan we have in place has been paid on time and the loan is being reported as delinquent when it is in fact current with our existing agreement and has been. All letters I have asked for verifying this have come without company letter head and also state the original monthly payment amount which is not relative to our payment agreement or my on time payments which are NOT delinquent as erroneously reported. Your letters say that I am past due, however the payment plan was paid as agreed and that is misleading information. The letter also does not reflect the on time payments for six month unemployment plan. I have never missed a payment as agreed with your company and yet you are still reporting me as delinquent. All payments under the new agreement have been made as agreed and SPS is not reporting the loan unfairly and unethically to the credit bureaus as delinquent which reflects as if I am not paying the loan at all, which is not true because I am current with our agreement. A new agreement was made to defer payments on XX/XX/XXXX and it is still being reported as delinquent. It is not fair to report the payments as delinquent when the payment plan is paid as agreed. My credit score has went from the 600s to the 400s because SPS is reporting the monthly payments as delinquent and that is FALSE. The monthly payments are current according to our agreement and I would like SPS to current the false reporting and backdate the delinquent payments as current according to our plan.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This complaint is perhaps a little tardy as to the merchant who was posting unpermitted charges, my complaint is the handling of the situation by Capital One. 
I will try and be brief : I signed up for advertising and SEO from a california company with my Capital One Credit card, They were unable to deliver the promised service adn the account was cancelled, for months they continued to post charges of various amounts that capital one would not block, i declared the fraud capital one refused to credit the wrongly charges funds and instead stated that they needed me to have a new card - that card was issued ending in XXXX. Trouble was that when the account person at the fraudulent charger called capital one CAPITAL ONE GAVE THEM THE NEW ACCOUNT NUMBER, next capital one says the only thing we can do is close the account ( the credit line of {$10000.00} had become vital to my business and paid 1.5 % cash back ) So I agreed, closing the account because they said after it was closed I could order a new one., so once the account was closed and paid off ( i got the evil merchant to refund some of the taken money ) I responded to an advert by capital one to me for another cash back credit card and I accepted the offer - THEY LIED the card i have been using does not have a cash back feature!!!! On top of that they now say they are only willing to provide a {$500.00} line of credit, odd since I have paid off all revolving debt, have been earning more and own a home now. Beware they are tricky!!!! 
Once
Consumer complaint received 2019-06-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (AZ)

On XX/XX/2018 my car was totaled out I purchase XXXX XXXX gap insurance with my vehicle loan which should have taken care of the remaining balance for my vehicle total loss after the car insurance paid their portion. However XXXX XXXX Gap left a remaining balance on my account which left me past due for two months eventually I paid the balance which resulted in me having to late payments on my credit report I was under the impression that XXXX XXXX gap insurance will pay the full remaining balance of my loan but they did not. How can I get this resolved or can I take legal action?
Consumer complaint received 2019-06-17
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

purchased XXXX XXXX XXXX financed thru bank of america that was paid off in XXXX of XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

While looking at my credit report under the 3 major reporting companies, for example XXXX XXXX, I noticed they all had reported me as being under a Chapter XXXX on one account or another. I was under a Chapter XXXX from XX/XX/XXXX until this year when it was discharged on XXXX. I had my attorney write a letter to them but it's still shows up as a Chapter XXXX on some of the account reports. My XXXX XXXX filed a Chapter XXXX in XXXX of this year just before the Chapter XXXX was discharged but that had nothing to do with me or my Chapter XXXX per my attorney and the bankruptcy trustee since the Chapter XXXX was separated between us.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

XXXX XXXX is stated to be my " relationship manager '', but every time I try and reach this person they do not return my call or email. They have been my " relationship manager '' since the case began in the beginning of 2018. XXXX 's phone number is XXXX XXXX XXXX ext XXXX and email is XXXX. XXXX has not directly reached out to me at all. 

It is also instructed to contact XXXX if you can't reach XXXX. However, that email provides only a receipt that email was sent and then they do not respond either. 

Each time I try and reach them, there is no response from either Mr. XXXX or any of his colleagues.
Consumer complaint received 2019-06-17
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. (FL)

XXXX XXXX XXXX and XXXX XXXX XXXX used my credit report without my authorization. Both these dealerships sent my credit application to multiple finance companies without my consent, causing many Hard Inquiries. I mailed each of the companies and they stated that these 2 dealerships authorized them to run my credit. This was an illegal use of my credit authorization and I would like these Hard Inquiries removed from all three ( 3 ) credit bureaus.
Consumer complaint received 2019-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

This collection company levied my bank account and left me with XXXX dollars without any notification of a debt. When I spoke to them they indicated it was a debt from 2004. I asked for proof where the debt collections was sent to and the represantive was not able to confirm where it was sent, she kept throwing different addresses at me. I have not received a phone call or letter from this collector. In addition, I was not served with a levy from anyone or a notification of a judgement. They took my money I need to support myself and my family without any indication. I don't even have XXXX cents to buy a candy if I wanted to. This is unfair practice and should be illegal.
Consumer complaint received 2019-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Every XXXX my mortgage payments increase or decrease based on a number of variables. This year it went up considerably, so in order to bring the payment down I switched from XXXX XXXX   XXXX to XXXX, and saved a substantial amount. The effective date of coverage for the new insurance coverage was XX/XX/2019. The new mortgage payment ( with the XXXX pricing ) started in XXXX. I was advised to put the refund check from XXXX in the bank, which I did, and then call Bank of America and give them authorization to withdrawal that money, which I did and they did withdrawal the ENTIRE amount for XXXX XXXX coverage. Now when I paid my mortgage for XXXX they had not updated the information ( not my fault ) and so they charged me a XXXX advance shortage fee. the problem is I over paid them {$40.00} My new amount is XXXX I paid them XXXX. They cant seem to understand this and still say i owe XXXX for XXXX but I dont because my insurance rate and coverage was effective XX/XX/2019 and they received the refund in full. i want this corrected before I get too many payments where they say i shorted them and I want my credit. the ladty i talked to said she would issue a complaint and to date I have heard nothing back.
Consumer complaint received 2023-07-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

For XXXX payment, mortgage company pulled from wrong account, tried to call and resolve, was told to send certified check. Sent certified check via XXXX with insurance and signature, mailroom of Amerihome received on XX/XX/XXXX. XXXX still has not cleared as of XX/XX/2023, with letters of late payment, reporting late payment on mine and my husband 's credit report. Called multiple times to resolve and payment still has not been cleared, transferred to multiple supervisors, given false email address to send in proof of payment. Given different ways to " resolve '' the issue, unable to make online payment for XXXX despite supervisor telling me I can make the payment after XX/XX/XXXX online due to their mistake for XXXX payment and having to pay {$130.00} extra for overnight and insurance fees for certified check. We have never missed a payment and a new mortgage company is taking over our loan, we need this resolved and clear our credit of late payment.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

As of today XX/XX/XXXX an according to XXXX XXXX in the " ombudsman '' office which is an internal department of SPS, Select Portfolio Services has not processed the Deferral Agreement that I  signed and was received by SPS on XX/XX/XXXX and the loan continues to negatively report on my credit although I have paid the payments we agreed to on time. Select Portfolio Serving told me that it would be report current in the beginning of XXXX.
Consumer complaint received 2023-03-31
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. (GA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/XXXX we became aware that someone had ordered a copy of my credit card to be sent to NY, a state I don't live in nor have ever lived in. I called CapitalOne right away and told them to cancel the card. They agreed to cancel that card and issue a new card with a new number. I also complained about the {$16.00} " Fast Card Fee '' and was assured that it would be refunded to the account. 

I never received a new card. The next thing I know I get a letter saying that they investigated for fraud and determined that there was no fraud and that I am responsible for the charges. I also received a bill for the same card number, which was never cancelled, with thousands of dollars charged to the card for transactions I do not recognize. Moreover, I received notice that they closed the account for violating the terms of the agreement, which damaged my credit score. 

I called CapitalOne again right away ( XX/XX/XXXX ) and asked why this was allowed to happen as I told them to cancel the card more than a month ago as soon as I realized someone had ordered a card fraudulently. No explanation. They agreed to open a case at that time and start investigating. 

It has now been over two weeks and I am still getting the run around. My account is still closed, my credit is still affected. None of this should have been allowed to happen. If CapitalOne had closed my card on XX/XX/XXXX as they said they would do, all of this could have been avoided. 

As if this weren't enough, CapitalOne claims that they did not send the first letter saying that they investigated and have no record of the case number on that letter. We called a phone number in that letter and gave the person on the phone sensitive information. I have twice sent this letter to CapitalOne 's abuse department for confirmation that it was indeed a fraudulent letter but they have not responded to that either
Consumer complaint received 2024-02-11
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. (NJ)

Experian is still reporting a Deleted account that was deleted off my credit report. The Account name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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. (NC)

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance : {$380.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$880.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX FL XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$55000.00} XXXX  XXXX Balance : {$20000.00}
Consumer complaint received 2023-03-31
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$110.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC. (GA)

i have ask several times for the mortgage company ( Homebridge Financial ) to report my account correctly ... they continue to tell me that they are but they are not! i have never been late with this account. They do not even service this account anymore and on my XXXX report it shows that they do and that it is open and late. They even tell me they do not service it anymore. XXXX XXXX is who services my account is what they tell me ... well i know that and they are showing on my bureau open and never late but so is HomeBridge who used to service my account but it is showing late. I WANT THIS OFF OF MY XXXX REPORT! IT IS NOT TRUE AND THEY ARE HARMING MY CREDIT!
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

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 XXXX XXXX / XXXX and XXXX XXXX  XXXX / XXXX