davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

The below details were the initial issue that is greatly effecting my FICO 9 score and causing me to receive a higher interest rate on an auto loan I want to obtain : I have encountered a BILLING DISPUTE LEFT UNRESOLVED BY XXXX  XXXX XXXX and they have said my account is delinquent and did a CHARGE OFF which will ultimately effect my credit. I opened up a billing dispute with XXXX  XXXX XXXX on XX/XX/XXXX and they sent me letters in XXXX ( two months later ) stating they required additional documentation for my dispute. With this regard, I contacted them to obtain more information regarding what they required and they were totally unresponsive when I called numerous times to send paperwork regarding my dispute. They had an hour or more hold times then their line would totally disconnect after having me hold for over an hour. I contacted their main line numerous times and they informed me that their has been several issues with the Disputes department and answering the phone line but they were unable to assist. Since then, I continued to try to get this resolved explaining to them that the items they are charging me for have been returned to the company XXXX XXXX another fraudulent company located outside of the United States ) and should have been issued as a credit. I have not gotten anywhere with XXXX or XXXX  XXXX XXXX and they have been less than helpful. XXXX  XXXX XXXX has now sent my account to the credit bureaus interfering with my high credit score. They are fraudulently charging me these fees and refuse to look in to the matter whatsoever. They can't just arbitrarily close my account when I haven't been issued my refunds for the merchandise returned. They have demonstrated terrible customer service and they need to be reported for their lack of attention to my matter and then making me pay for something that I do not owe. Effective XX/XX/XXXX, they have sent a charge off on my account even after I've explained that these charges are not accurate and I contacted them numerous times to no avail to get this matter resolved. They kindly let me know that they could care less and would not be assisting me in this matter. I'm totally appalled by their mistreatment and lack of customer service to an issue that could jeopardize my credit score. 
I have disputed this issue three times with Experian on XX/XX/XXXX and twice on XX/XX/XXXX and I don't believe my dispute is being taken seriously nor are they thoroughly investigating it. They only allow a few characters to explain the situation with XXXX  XXXX XXXX and they don't care to thoroughly explain it and get to the bottom of my issue. XXXX  XXXX XXXX refuses to resolve this issue and ignored my attempts to do so, then did a Charge Off unknown to me.This is completely unfair to me and is dramatically increasing my FICO 9 score.
Consumer complaint received 2022-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Account name
CAPITAL ONE

Account number
XXXX  Date opened : XXXX XXXX XXXX  Balance: XXXX  
THIS ACCOUNT WAS OPENED FRAUDULENT AND SHOULD BE REMOVE FROM MY CREDIT REPORT BY LAW .
PLEASE INVESTIGATE OR DELETE THIS ACCOUNT FROM MY CREDIT REPORT .
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I was on a forbearance from last 18 months, and Mr. Cooper is now forcing me to start making payments when I am not in a position to make payments. 

I asked Mr. Cooper to do a Modification under cares Act, instead of reducing my payments, they increased it by {$550.00}, they have completely lost it. 

This is not justified and doesn't make any sense. 

Not only they increased my payments, they also increased my principal by XXXX This doesn't make any sense to me. It seems they are just being greedy and nothing else. They haven't worked on their interest rate, they are still charging me 5 % interest when market rate has gone down to 2 %. 

I am attaching the loan modification letter over here. 

Other thing is my Point of Contact " XXXX XXXX '' is also not available, I called on her phone number provided, someone else picked up the phone, the person who picked up the phone said that she can not receive inbound calls, and she can only make calls whenever she feels like. I faxed her on Fax number ( XXXX ) XXXX but there is no response. It seems they all have lost their senses and they just need money, that is it.
Consumer complaint received 2019-05-30
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. (NY)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2019-05-30
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. (NY)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2020-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CT)

This complaint is in response to lack of recourse from an ATM deposit made on XX/XX/XXXX in the amount of {$1900.00}. A deduction in the same amount was made on XX/XX/XXXX. Furthermore, a overdraft fee was levied on XX/XX/XXXX in the amount of {$35.00} and a maintenance fee of {$15.00} was levied XX/XX/XXXX. 

This incident is a repeat occurrence from a deposit back on XX/XX/XXXX.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (NY)

I came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. 

I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and  had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX. He assured me this was the process. 

Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. 

After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , XXXX XXXX XXXX, XXXX, TD Auto Finance , XXXX XXXX XXXX XXXX ) without my permission. 

These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.
Consumer complaint received 2021-04-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I was looking into a chargeoff from XXXX XXXX  on my credit report. I contacted merrick band who forwarded me to a collection company XXXX XXXX That company at first started that they did not own the debt and they were collectors of and on behalf of XXXX XXXX . I then contacted XXXX XXXX who stated they had sold the debt and no longer owned it. When I contacted the collection company ( XXXX, XXXX ) again, they stated that they were not a part of XXXX XXXX and I owed then the debt. I told them without verification there would be no payment arrangements etc until I had validation of who owned the debt. ( Recorded phone conversations ). Because it was inaccurately reported, I asked experian to remove this chargeoff. They did not and changed it to updated file which made my FICO score drop 54 points. I believe my rights under fcra are being violated and I am being punished for filing a dispute on inaccurate information on my credit report. This collection company is now dating I entered into a payment agreement with them which I have not. This is a violation of my rights!
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. 

I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX-XXXX He assured me this was the process. 

Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. 

After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , Bank of America, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  ) without my permission. 

These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.
Consumer complaint received 2020-12-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, BK OF AMER add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NJ)

Creditor Information I C SYSTEM XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX this company has placed a collection on my account for XXXX. My final bill with XXXX was not $ XXXX.I had a monthly payment plan of {$200.00} This is 2nd time has place a fraudulent account on to credit report.
Consumer complaint received 2023-01-09
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. (NV)

On XX/XX/2022, I sent XXXX, XXXX and Experian a copy of my credit report that I obtained from them stating that they are reporting unaccurate information on my consumer report, however it keeps coming back VERIFIED, how is this possible when everyone is reporting this item completely different? FCRA states all items MUST be reported 100 % accurate. I provided evidential documents to show the inaccuracy of the account, however they still choose to ignor the documented FACTS that I received from them. XXXX, XXXX and Experian need to be held accoutable for their NEGLIGENT FCRA REPORTING. Every date of last activity is reporting years apart, balance ECT...
Consumer complaint received 2021-09-22
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. (MA)

The XXXX credit builder card inaccurately reports card balances to CRAs to be viewed as revolving credit without a credit limit. This practice has led to higher balances being reported than what is due and furthermore has resulted in multiple decreases in my credit scores across the bureaus due to the credit utilization algorithm. 

Info on reporting and payments with XXXX : 1. Card statement is from the XXXX to the following month on the XXXX. 
2. The XXXX credit card payment due date is the XXXX of each month. 
3. The XXXX payment date is the XXXX of every month. 
4. I add funds to my XXXX credit card and chime will put aside payments for the card and pay automatically on the XXXX of every month. 

Issues : 1. The payment date occurs on the XXXX of every month even though the statement cycle is XXXX to XXXX. This means the amount due is always based on the month prior balances. 
2. Since balances are based on the month prior, a balance carries over into the next billing cycle. Thus a constant balance is reported to CRAs. XXXX adds account notes saying the account was paid in full, but this is inaccurate based on the balances reported. 
3. Due to the misleading/inaccurate XXXX reporting, this has affected my credit utilization and resulted in my credit score dropping two to three times significantly. 
4. XXXX acknowledged twice that the reporting date does not align with the statement date nor the payment date, yet they continue to falsely report that I have a balance when I do not. 

Specifically : On XX/XX/2021, my credit score dropped an average of XXXX across all bureaus. 
Reason : XXXX updated the bureas that I had a balance increase of {$140.00}. Bringing the total balance to {$430.00}. On XX/XX/2021, XXXX sent the XXXX builder statement showing that {$290.00} had been paid on XX/XX/2021. This means that XXXX should have updated the balance on XX/XX/2021 to only be {$140.00}.
Consumer complaint received 2020-11-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8800.00} -This is not my account.
Consumer complaint received 2019-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (CA)

I have been in communication with XXXX XXXX, From WF Research and Remediation Analyst, Her contact information is XXXX, extension XXXX, M-F from XXXX to XXXX Central time. 

Since XX/XX/2019 I had requested to Wells Fargo for a co-signer release for my XXXX. 

My XXXX had graduated 4 years ago, and made her payments dutifully. The glitch came in on that month upon completion of her XXXX degree in XXXX ; her deferment ended on XXXX of that last semester ; consequently she entered XXXX of XXXX program started in next semester of XXXX. 
Although she called Wells Fargo to inform them of the 1 month interlude and entering XXXX program for continue deferment status, she was not made aware of only 1 payment was necessary for XXXX. Thus she was late in ONLY 1 payment. Wells Fargo notified her immediately in XXXX, and she paid immediately the interest for that month. She thought everything was okay. 

Now 3 years later, per her conversation with a Representative she was informed that she could released me as a co-signer with her excellent payment history. Yet, They deny her that cosigner release due to that misstep from that one late payment with the additional reason that this is a benefit and not automatically granted.
Consumer complaint received 2018-07-20
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AES/PHEAA (WI)

XXXX XXXX XXXX XXXX in XXXX, WI is representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX in a case versus XXXX XXXX for a student loan that she got in XXXX. XXXX stop paying them in XXXX of XXXX and they sent me, XXXX XXXX, XXXX XXXX 's mother a letter stating my paycheck was going to be garnished. They didn't provide me with the proper information about the loan or information about the client, XXXX XXXX XXXX XXXX XXXX XXXX. When asking, the Representative, XXXX, phone number, XXXX, ext. XXXX for this information he said he's not giving it to me. A court date is set up for me on XX/XX/XXXX. I'm not sure if I trust this agent or not so I didn't provide them with any of my information. I'm not sure if the loan is in default or how the client got a hold of the loan because they are not a regular service or guarantor. They communicate through the lawyer 's company. I'm want to know why a payment plan wasn't setup first from the client before trying to garnish my check. Is this place legitimate or not, I'm not sure because I'm not receiving the information I need. I want to see the original loan form and promissory note for this loan before I pay anything to them. I am the co-signer and I did this if my daughter wasn't capable to pay it back, but she is and i have proof. Also, my daughter is not being cooperative with me either. She is working on her XXXXXXXX XXXX degree and has two jobs. She is capable of paying off her own loan. I don't know what she told them. I also tried settling with them twice.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The modification process was underway with all documents turned in for review. Certain social security payment questions came up at the last minute and I was contacted by phone for clarification. I spoke to two different agents for over one hour. At the conclusion of the conversations The agents informed me all questions were answered and no other information was needed so the file was sent to the underwriters. 

Rather than my file obtaining a review I was surprised by a determination that my request for assistance was closed out due to social security income questions. After calling and requesting a in person meeting with the servicer I was told they could not meet to discuss my account as XXXX once did before the transfer. 

The servicer could not find record of the long hour plus conversations I had with the in house agents and explained I would need a court subpoena to get any phone records released for my records. 

I explained to the servicer that the Justice department had recently reached a settlement with the beneficiary of the asset backed certificate associated with my account. 

The servicer stated since I was not in a review and the sale date was very close nothing could be done. 

I reached out to the monitor of the recent settlement with DOJ and was informed that my account was with the legal team for research but it would be a good idea to contact the cfpb at once considering the pending sale date. 

The settlement monitor in New York stated I could be a recipient of relief based on the settlement but the sale date would need to be postponed to allow time for the process.
Consumer complaint received 2020-10-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I am filing this complaint because XXXX, XXXX, and Equifax have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.