davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
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. (MN)

I called XXXX VEHICLE AND PROPERLY INSURANCE COMPANY ( the alleged original creditor ) on XX/XX/2024, in regards to a collection on my consumer report and requested validation of the alleged debt of {XXXX}. They refused to provide me with the information because they claim to have no record of it. Then referred me to XXXX XXXX XXXX  Prior to my phone call to XXXX I contacted XXXX XXXX XXXX XXXX XXXXXX/XX/2024. I requested, Proof of Contract : With no evidence of perfected security, I require documented evidence that a valid, enforceable contract exists between us, demonstrating that I am legally obligated to pay the alleged debt. This documented evidence should include : - The full and unaltered contract, signed by all parties involved. 
- Clear and specific terms and conditions outlining the rights and obligations of each party. 
- Any amendments, addendums, or modifications to the original contract, if applicable. 
- The dates of inception and termination, if applicable, of the contract. 

They told me they would send documentation and validation of the debt, which I never received. Then was given a complete runaround when told to contact XXXX ( the original creditor ) at the conclusion of the conversation. They were very untruthful and non compliant in providing me with the information needs to resolve this matter. Both companies are in violation of the ( FDCPA ) & ( FCRA ).
Consumer complaint received 2020-10-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation (CA)

This account has been paid off and sold to another creditor therefore, i am not liable for this account anymore, please remove. IT is still reporting on my credit and it is reporting erroneously that i was 30 days late in XXXX XXXX it was never late See the attachment
Consumer complaint received 2016-09-22
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (GA)

I received a flyer in the mail about being pre-approved for a loan of at least {$400.00}. I applied for the loan online at bigpictures.com, within 10 minutes I received a phone call from a rep at big picture loans. I was informed I was approved for a {$800.00} payday loan and my interest would be {$280.00}. Total loan amount {$1000.00}. So I agreed to that term which seemed fair. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure was not visible at the time I accepted this loan and the loan had been processed and funds deposited in my account, it showed a APR of 739.9891 % making my total pay back amount {$6800.00}, finance charge amount is {$6000.00}. Big picture loans has debited a total amount of {$840.00} from my account my past three paydays.
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CO)

In several different occasions I have tried retrieving my credit report via Experian and Annual Credit Report and every single time, Experian denies my request. Today, I signed up for XXXX XXXX XXXX, and I found out what the issue is, Experian has incorrect information on my credit report, incorrect DOB, incorrect Address, incorrect everything!!!! If I try to pull my credit report, using both the correct and incorrect information they have on my file, it is the same thing. I even tried uploading my documents via XXXX and the page is not working. Furthermore, I have tried calling the XXXX number, but it is impossible to get through a rep. Please assist in Experian providing my credit report, remove the incorrect information and remove the fraud alert that was placed on my file.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Upon investigation of my credit I was sent into a spiral on panic and XXXX. I found unverified inquiries and a number of unverified accounts being wrongly reported. I find the actions of the agency questionable since it is their responsibility to ensure the accuracy of the information that they report. This is having grave effects on my life and I need it fixed.
Consumer complaint received 2017-03-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Bread Financial Holdings, Inc. (NC)

Hello Comenity, You guys are killing my Credit Score. I have been a XXXX customer since 2015. I recently requested a Credit Line increase, to which the system advised a letter would be sent within 7-10 days. We all know that means denied! 
I had no idea, you 'd be running a hard inquiry on my XXXX report that will of course stay there for 2 years. 
So, in regards to this limit increase reqiest First you place a hard inquiry on my report, since I requested a limit increase and then send me a letter via the account management center telling me that you can not contact me in regards to information in my credit report. That 's vague and foolish. 
Then, I just called your CS in regards to this letter and then, the agent tells me the same thing and says she will submit another request ... .without telling me that it will be another hard pull on my XXXX report. ARGHHHHHHHHH! 
Yes, I subscribe to the CRAs for up to date information on my report, whenever any changes are made, it will alert me right away! 

I need you guys to remove the hard inquiries on my report asap. Or provide me with the Credit Line increase. Here I am with an annual income of over $ XXXX a year and all you can dole out to me for XXXX is {$1000.00}. 
Not to mention, I have many other open and actively paid account -on time with Comenity and you treat me like this! I think it may be time for us to separate. 
... XXXX hard inquiries in the same time frame for the same thing, is uncalled for and very unprofessional. 
I am not going to live for 2 years with hard inquiries on my report, a credit score that is dropped for no reason and and your company does n't know why you can not contact me when my contact information has been the same since opening the account. Hello! 


-XXXX
Consumer complaint received 2015-04-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My accounts were closed and {$260000.00} was taken from me without due process or investigation and several banks are involved. I was promised its return plus interest accrued. 
I filed separate complaints on each bank involved without any results, no accountability and basically no communication mediator. After XXXX years and XXXX of legal fees, I was XXXX and taken advantage of in court. I received a check that was an insult and lost by default when I was incapacitated in the hospital. The money was intercepted fraudulently by XXXX XXXX and re-issued XXXX times even though XXXX XXXX was not involved after they had foreclosed I year after my home burnt down and in modification as well as rebuilding. They were paid {$240000.00} and no money was owed.
Consumer complaint received 2015-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/2015 I applied with " XXXX XXXX XXXX '' on line to refinance my student loan. And I was wrongfully " denied '' credit based on the numerous " False Information '' that the " Experian '' Credit Bureau has in my credit file due to my being the victim of " Identity Theft. ''
Consumer complaint received 2024-01-25
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I wrote a letter about a Frudlent account that says I 'm a Authorized User, I never gave permission to anyone to add me to any account. I have asked Equifax to remove and they have not. I have written XXXX letters The XXXX companies that have me as Authorized Users Are 1.XXXX XXXX ( Authorized User ) Fraud 2.XXXX ( Authorized User ) Fraud 3. XXXX XXXX ( Authorized User ) Fraud I NEVER GAVE PERMISSION TO BE ADDED TO ANYONE ACCOUNT I ALSO WAS LIVING OUT OF THE COUNTRY FOR OVER # YRS WHEN THIS HAPPEN.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Professional Debt Mediation, Inc. (FL)

PDM is reporting on my credit report that they charged off the account, but I have been paying them every month for the last 4 years and 8 months.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo routinely failed to apply my mortgage payment and can not tell me where the money was applied. I continued to pay on time and was never late. They then manufactured a default. After the foreclosure was dismissed several times, they sold the servicing to another firm ( potentially related to Wells ) and I could not get any answers. I continued to pay my mortgage through 7 years of foreclosure filings and refilling and they never told me where the money went. 

I am XXXX now, and was over XXXX at the time. I was forced to sell the house my husband built for our family over 40 years ago as they would/could not resolve and no other lender would lend to me because of the foreclosure. 

Sometimes, Wells Fargo employees would come to my home and harass me. XXXX. I cry when I see the Wells Fargo branches now. I never received my money back and had to pay astronomical fees on the mortgage when I sold.
Consumer complaint received 2017-03-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

CMRE is still reporting an account on my credit. As part of the agreement for paying the account they agreed to remove it since it should 've been paid by insurance ... I 've disputed it with XXXX but they keep claiming it 's verified. I like this account to be removed from my credit at once!!!
Consumer complaint received 2018-11-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (CA)

In XX/XX/XXXX I was divorced my ex husband got the XXXX XXXX XXXX and I got the XXXX XXXXt. A judge signed off on it. In XX/XX/XXXX my ex husband defaulted on his XXXX XXXX. The company Santander put it on my credit. When I am not financially responsible for it. I have legal documentation to prove it. Because of this it prevented me from buying a house for my children.
Consumer complaint received 2016-06-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (AZ)

Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over a month, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

A month ago XX/XX/2020 I requested my credit reports From XXXX XXXX and I did receive them. On XX/XX/2020 I paid for credit reports and have yet to receive them. I even sent them an email and have yet to hear back from them. I also paid for reports from XXXX XXXX XXXX on XX/XX/2020 and have yet to receive them.
Consumer complaint received 2017-03-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NH)

My Toyota financial payments are made through EFT transaction. On XX/XX/2017 XXXX deducted the wrong amount from my bank account. My correct payment amount is {$380.00}, but Toyota deducted {$310.00} which is an incorrect amount. I was not aware of this until my credit monitoring service notified me on XX/XX/2017 that I had a derogatory mark on my credit report. After investigating I learned that Toyota Financial had reported my XX/XX/XXXX payment 30 days late. After checking my bank statements for the prior three months I noticed that the XX/XX/2017 payment amount that was deducted from my account was not the correct amount. I logged onto my Toyota Financial account and saw that I had an outstanding balance of {$63.00} and a late charge of {$3.00}. Next, I called Toyota Financial and spoke to a customer service representative. I explained what happened as best as I could, but the CSR had a heavy accent. I could not understand her well and she could not understand me - she repeatedly asked me the same questions over and over and could not understand my answers. In the end she told me there was nothing she could do and that I would have to dispute the matter with the XXXX credit reporting agencies. This error on Toyota 's part has cost me XXXX points on my credit score. That 's exactly how much lower my score is now. I spent several hours on the phone this morning with the XXXX credit reporting agencies : XXXX, XXXX, XXXX and XXXX. XXXX told me they would remove the error immediately. XXXX told me they would file a complaint against Toyota Financial and review the dispute and rule on it within 30 days. XXXX and XXXX told me they would review the dispute and rule on it within 30 days. This error has caused an undue amount of hardship. I want Toyota Financial to correct my credit report with all of the agencies they report to and refund the late charge to me.
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I also sent out a letter to the clerk of XXXX XXXX requesting the method of verification of the validity of the bankruptcy. They responded that they do not report to any Credit Bureau. Credit reporting agencies verify records through a third party database such as XXXX and some even verify through other creditors. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Please provide the following : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the XXXX office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA XXXX. False or misleading representations [ XXXX XXXX XXXX ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A month ago XX/XX/2020 I requested my credit reports From XXXX XXXX and I did receive them. On XX/XX/2020 I paid for credit reports and have yet to receive them. I even sent them an email and have yet to hear back from them. I also paid for reports from XXXX XXXX XXXX on XX/XX/2020 and have yet to receive them.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-09-05
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. (NY)

In accordance with the Fair Credit Reporting act 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 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (GA)

Our loan was acquired by LoanCare on XXXX/XXXX/16 and transferred to them on XXXX/XXXX/16. Our complaints related to this company are as follows : 1. We did not receive a welcome letter because they used an incorrect address. 2. Since the transfer, we have requested cancelation of the escrow account in writing. Other than an acknowledgement of the request, we have not received a response. We have over 20 % equity in the subject property. 3. We have requested in writing a full accounting of the escrow fund and an out of standard analysis, but have not received a response. Our prior mortgage company 's escrow accounting shows an $ XXXX refund to the escrow account for improperly procured lender-placed insurance, but LoanCare shows no record of that refund and says it is " lost in wirespace. '' 4. Despite providing proof of coverage in writing and having multiple conversations with various representatives and supervisors about our existing coverage, LoanCare continues to threaten that they will procure lender-placed insurance and continues to request that we provide proof of coverage, in an apparent error that is unable to be corrected. Also, the automated line is still advising that payments for hazard insurance are being made from the escrow account, so they must in fact have proof of coverage. 5. We are receiving conflicting information on flood insurance. On XXXX XXXX, XXXX representative names XXXX told us that part of our escrow payments consists of {$170.00} in flood gap insurance. We are not required to carry flood insurance based on our flood zone. On the same day, a different representative in the insurance group named XXXX said the entry is a " XXXX XXXX XXXX '' and is a " dummy '' entry and that we are not paying for flood gap insurance. She could not explain why the other representative had such specific information about the payment being made out of escrow.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>