davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (FL)

I opened a credit builder secured loan with XXXX XXXX on XX/XX/XXXX and made my payments on a bi-weekly basis. The full amount of the loan was never provided to be upon the initial agreement with XXXX XXXX but that at the end of the loan I would receive any funds placed into the secured credit builder loan. 

On XX/XX/XXXX, I received an e-mail directly from XXXX XXXX stating that I had 30 days to pay off my credit builder loan with the amount due of {$390.00}. I made my payments in full for the amount of {$390.00} to XXXX XXXX as to end my Business with them. 

I was monitoring all 3 of my credit reporting agencies during this time period where I had paid {$390.00} to satisfy the account with XXXX XXXX and I noticed XXXX XXXX inaccurately reported the account as a charge off when it was never in a charge off status as of the date of the letter that I received. I also satisfied XXXX XXXX 's request to pay the {$390.00} within 30 days and did so online/through XXXX XXXX XXXX mobile app. 

After completion of this, nothing has been done on Experian 's side after I filed a dispute with Experian stating the facts of the inaccuracies. 

This account with XXXX XXXX has been inaccurately reporting as " paid, was a charge off '' when this is not the case per the above statement from email communication I received from XXXX XXXX on XX/XX/XXXX informing me they will be selling my debt to a third party after 30 days if not satisfied by XX/XX/XXXX. 

As a result this has impacted my credit file for several months when the account was paid in full. I also was able to login to my account as of the date of this communication to verify that XXXX XXXX stated the following, " Your loan has been paid off and escrow funds of {$180.00} has been successfully withdrawn. '' XXXX XXXX provided me with a refund after I paid off my loan. All of this including the amounts XXXX XXXX has reported are inaccurate and I request the removal of this account in its entirety for this reason.
Consumer complaint received 2022-07-13
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. (LA)

I was making a purchase at XXXX XXXX XXXX in XXXX, Louisiana on XX/XX/21. The Sales Representative suggested using my existing XXXX XXXX credit card in order to earn rewards points. I opted to use my personal general credit card. The Sales Rep persisted in using my XXXX card, so in order to finish the transaction I used my XXXX card. The system did not receive/invalidated the card. I then countered to again just use my general credit card. The Sales Rep kept insisting, and had me call XXXX XXXX ( operating the XXXX credit cards at that time ) in order to verify my XXXX cards validity. The Bank confirmed my card was valid. After trying to swipe/tap my XXXX card again, it declined. The Sales Rep then came up with the reason that XXXX was switching banks and that affected my cards validity. She insisted that she can assist in locating my XXXX account to charge the purchase. At this time I insisted again to use my personal general card. She insisted it will take only a few minutes. After a few moments, she asked me to provide my personal information into the system she was using to locate my information. I asked to confirm that she is locating my existing card, and that this action will not affect my credit report. She said no. I asked 2 more times as she continued to verify my information that this action will not show up on my credit report. She said no. Finally, she called the bank in order for me to verify my Social Security Number, and I asked the phone representative that they are able to see that I already have an existing card and that this is the same account I am trying to access for this transaction. Phone rep said yes. After I confirmed the final piece of information with the phone rep, I was congratulated for my new account. At this point I realized they ( XXXX XXXX under XXXX XXXX  ) opened a completely different account/card under my information. The Sales Rep was dumbfounded as I repeated the confirmation that a new credit card account was indeed opened on my behalf without my consent. I ordered the phone rep to cancel the transaction, but she said she could not and will need to just close the account. At that point, that was my only choice. The Sales Rep did not take responsibility and blamed the training team/material for the grave mistake. I repeated that is why I asked multiple times if this would reflect on my credit report, as well as using my existing personal credit card. Now I had both a hard inquiry and closed account inaccurately recorded in my credit report. 

I have attempted to file this incident with XXXX, TransUnion, and XXXX. They conducted investigations that all lead to confirming the incident as a valid transaction and have recorded the opening and closing of a second XXXX XXXX credit card that I did not authorized and was defrauded by the company to open.
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

I had XXXX XXXX as my television service but there was a fire in my house. The box that i had of theres was destroyed in the fire. There was nothing for me to return and they don't reuse the boxes anyway i was told. The insurance company should pay for the box if anyone but they put a collection on my report and are continuously attempting to collect a debt that i don't owe. I have tried to resolve this with the credit bureaus but had no success. Please help me get this removed from my report. I don't feel it is my responsibility.
Consumer complaint received 2019-01-31
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. (MI)

On XX/XX/2019 I emailed XXXX XXXX XXXX  regarding two accounts reporting incorrectly on my credit reports ( XXXX, XXXX, XXXX ). I informed them there were inconsistencies between the three bureaus and asked for these accounts to be removed from my credit report. In the email ( screenshots attached ) I addressed myself under my legal name, XXXX XXXX. On XX/XX/2019 XXXX XXXX XXXX responded with 3 letters per account which did not address my concerns with the inaccurateinvalid information reporting on my credit reports. In addition to not addressing my concerns, the company referred to me under an incorrect name. Despite me giving them the name XXXX XXXX in my request they addressed the letter to a XXXX XXXX. This additional inaccuracy is proof this debt needs to be removed from my credit reports.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

There are three loans showing with XXXX XXXX XXXX XXXX that dont appear to be mine. 

One loan is showing for XXXX in XX/XX/2018 Two loans showing from XX/XX/2018 one for XXXX another for XXXX
Consumer complaint received 2019-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I submitted a dispute with Capital One about being charged for a service I did not authorize at XXXX XXXX XXXX. I had taken my car to XXXX XXXX for a flat tire repair, and authorized the {$10.00} charge, offering my credit card at that time. However, when my car was not returned after 4 hours, I found that they had erroneously replaced the tire on my car instead of repairing. I did not authorize this work, as would have been required both by company policy and state law, and refused to sign the work authorization form. However, they charged my account for {$57.00} anyway. 

Capital One has sided with the merchant because the merchant printed on their receipt, " no signature required for purchase. '' However, I did not authorize the amount charged. If I had purchased a {$0.00} candy bar and they had erroneously charged me {$50.00}, but printed this on the receipt would the merchant have been justified with siding with them in that case? No! So this argument is clearly flawed. 

Capital One has requested I provide documentation, and refused to reach out or speak to the merchant. However the only one with paper documentation, IS the merchant. Yet Capital One wont even call. 

They stole my credit card details by collecting them under false pretenses, then using them for a purpose other than I originally specified. That is fraud. Follow the law.
Consumer complaint received 2019-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (MN)

Company claiming to be american express Phone number XXXX XXXX XXXX Calling personal number repeatedly Calling AT WORK Calling about father 's credit card, not my own Looks really bad to get calls at my own work over this. Especially when they call customer service to ask for me.
Consumer complaint received 2018-04-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: GREAT WESTERN BANCORP, INC. (GA)

My loan was originated by XXXX XXXX XXXX ( GWB ) XXXX XXXX XXXX  SD on XX/XX/XXXX, and on XX/XX/XXXX, the loan was sold to XXXX XXXX XXXX ( XXXX ) and was done so without a Deed of Trust ( DOT ) being delivered or recorded to the XXXX   County Registry of Deeds. As this did not stop GWB from owning the debt or XXXX from owning the debt, it made the loan an unsecured debt. The Note was signed by GWB XXXX XXXX XXXX XXXX   for the sale onXX/XX/XXXX, and XXXX  on XX/XX/XXXX submitted and got accepted my loan for XXXX XXXX XXXX XXXX created XXXX   which XXXX XXXX XXXX XXXX XXXX endorsed in blank the Note ( XXXX  ) on or about XX/XX/XXXX, as with all loan placed into the XXXX XXXX.

On XX/XX/XXXX it was discovered that there was no recorded Deed of Trust at the XXXX County Register of Deeds Office so on XX/XX/XXXX, GWB who had no remaining financial interest in the loan, illegally had recorded the DOT XXXX   recorded on XX/XX/XXXX, @ XXXX XXXX. GWB knows they sold the loan 21 days before the recording as did XXXX  who never applied for an Assignment of Deed of Trust because the act as with the initial recording is against the law.

XXXX on XX/XX/XXXX, had XXXX XXXX XXXX ( XXXX ) start mortgage servicing all XXXX XXXX   Fed Gov loans ( FHA & VA ) without purchasing as with the program XXXX XXXX has possession of the blank Notes to prevent any sale ever of the loans. Wells purchase the building the loans were housed in XXXX  WI, and hired the XXXX employees, as a physical possession was taken loan files with Wells as custodian of records as well as servicer, making it impossible for the loans to every be returned to XXXX.

On XX/XX/XXXX, the XXXX  seized XXXX and the FDIC declared it a " failed bank '', and the bank was defunct on that day. The debt stop existing as the bank stop existing and XXXX had no way to approach the court being a non-existing entity.

XX/XX/XXXX, the law firm that hired in XXXX XXXX XXXX XXXX  out of XXXX XXXX, who had their attorney that was the head of the foreclosure Dept XXXX XXXX as neither XXXX of XXXX was license to do business in Nebraska as they were not registered at the State Attorney Office, as XXXX has never been authorized to do business in NE. XXXXXXXX XXXX as an Assistant Secretary for XXXX  forged Assignment of Deed of Trust XXXX  to make it appear that GWB sold the loan to XXXX  when in fact GWB had no financial interest in the loans.

My home was illegally foreclosed on XX/XX/XXXX address XXXX XXXX XXXX XXXX ( XXXX ) NE. {$250.00} property without that debt, that was my property free of XXXX debt!
Consumer complaint received 2017-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (NY)

Several loans that were serviced by ECMC during the loan rehab period had incorrect loan balances and interest rates therefore I was overcharged. For example, ECMC calculated 2 loans based on the orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled / never disbursed by the lender. Additionally, 2 of the loans has a fixed rate of 4.50 % - yet they charged me at 6.80 % on each. Another loan has a fixed rate of 5.75 %, ECMC charged me 6.00 %. Yet another loan has a fixed rate of 6.55 %, again they charged 6.80 %. There were several loans mishandled in this manner and as a result there was interest calculated that should not have been and payments misapplied as a result. I advised them of their mistake on several occasions, most recently on XX/XX/XXXX, but they have refused to fix the info on file or advise HOW they plan to rectify it. ECMC also did not report payments made by me on this loan while it was handled by them ( years XX/XX/XXXX through XX/XX/XXXX ) and at the time they transferred my loans to XXXX XXXX. ECMC also reported the wrong loan info on my credit report during the years XX/XX/XXXX through XX/XX/XXXX. ECMA also failed to report to the Dept. of Education that they received an IRS offset in the amount of {$5200.00} during that same time period.
Consumer complaint received 2019-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

30 YEAR FIXED RATE MORTAGE. every month instead of a billing statement I get a letter stating the loan is delinquent and that the mortgage remains unpaid. the problem is that we make the payment ontime every month as we have since the beginning of the loan. have proof bank statements, copies of checks, etc. the lender is claiming an escrow account defficency .. another lie. the lender has raised the monthly payment twice and we make the higher payment. I have payed the insurance and property taxes myself out of pocket. so where the XXXX is the money being payed into escrow? the lender also is requiring an escrow balance higher than RESPA laws allow. I AM GETTING SCAMMED
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Vantage Sourcing, LLC (NY)

To Whom It May Concern, I wanted my XXXX  n XXXX  updated correctly idk if do to covid 19. I am an authorized user on following 3 cards which I will show pictures from XXXX  for some odd reason I been going around in circles to get my accurate credit score with this information on it. I am also on a XXXX  card that hasnt reported. I been using to help a family member get there grocery 's and improve my credit same time using it and paying off each month. Any questions or problems please call me
Consumer complaint received 2022-09-01
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. (DE)

Recently, I did an investigation on my consumer report which has caused XXXX XXXX XXXX XXXX upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights. 

-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2020-02-05
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. (GA)

I am writing this due to non-compliance with the CRA ( TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I disputed some accounts on my TransUnion credit report that are inaccurate and inconsistent. The company came back and said that the accounts are accurate. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. The report file number is XXXX.
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Experian is incorrectly showing an account in as 'in collections. ' The account in question was paid in full and closed early in XX/XX/2016. I have disputed this with Experian more than four times using their online system, 3 times by phone, have contacted the original owner of the debt, XXXX XXXX University, and confirmed it is an Experian error, and have even provided documents from the original debt owner and contact information for them to Experian. My last phone call to Experian involved talking to a 'manager ' for over an hour who said he could see the problem and was writing a lengthy description so that it would be fixed. Experian 's 'dispute ' team by phone has repeatedly told me they 'have no idea ' how the dispute process is handled, and clearly their 'process ' does not involve actually contacting the owner of the debt who, as stated, has already validated that this was paid and closed in XX/XX/2016. Experian is clearly not even investigating the matter.
Consumer complaint received 2020-02-05
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. (TX)

I filed Chapter XXXX on XX/XX/XXXX & it was discharged on XX/XX/XXXX. I have disputed this error with the company XXXX XXXX, which states they are reporting it correctly and with Transunion on multiple occasions. This account is clearly included in my bankruptcy and Transunion has received my discharge order ( through the dispute process ) on multiple occasions since the beginning of XX/XX/XXXX. Yet, they continue to send me the standard 'remains as is, accurate ' response. 

On my XXXX  and XXXX  credit reports, this account is reporting correctly as included in my chapter XXXX. On the Transunion report, it reflects as charged off and sold to another lender aka delinquent. While that may have occurred, it was still included in my discharge order and should reflect as such. Most of the other accounts were charged off, sold, and the like and I see no reason why this should be any different. I am more than happy to provide proof of all stated.
Consumer complaint received 2022-09-01
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-02-15
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. (PA)

I initiated a dispute due to inaccurate and incomplete information reporting on my Transunion credit report for XXXX XXXX Account # XXXX on different occasions which did not provide any results. The account is missing most of its payment history. Transunion continues to report incomplete and inaccurate information regarding this account. It has been my understanding that the CRA must maintain complete and accurate information. The information related to this account is inaccurate. 

Maintaining inaccurate and incomplete information on my credit report after an investigation is a violation according the FCRA, Section 611. Transunion has not properly investigated my dispute. ( Sect 611 ) I filed a complaint with this entity under XXXX because Transunion would not help me fix the issue. The credit bureau, Transunion, issued an investigation result regarding my dispute on XX/XX/2021 File # XXXX. In their reply to the initial investigation, Transunion mentions aspects of the dispute process, but they have violated my rights on numerous occasions. 

Their investigation results stated that the information was " verified and updated ''. However, the same information ( payment history ) was omitted!! How is it possible that a creditor can report no payment history, except what is negative, and the credit bureau validate it as verified? The Transunion staff members whom I spoke with confirmed that the information was missing. At least one individual attempted to get me to investigate my own credit file dispute for them instead of helping me get correct information updated.