davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-08
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: DISCOVER BANK (MA)

hi Discover ; I been trying to contact you guys because there is an account under my name and credit report that I'm unaware of and i need this delete and permanently removed from my credit. I never authorized nor signed nor give any consent to be added. I'm not liable for this account and i need this removed. delete now.
Consumer complaint received 2023-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (MI)

I signed a promissory note in XXXX of XXXX, taking out a small {$3000.00} loan. I didnt understand what I was getting myself into, as no loan officer spoke with me. I am being charged XXXX  % in interest. Finance charge of {$15000.00}, and again, no one explained to me this was the cost of credit. I signed a promissory note with no guidance from a loan officer and now the debt is in collections and hurting my credit.
Consumer complaint received 2022-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo mortgage, making payments by phone. Wells Fargo, i have made payments by phone many times. on XXXX an XXXX XXXX wells Fargo did not deduct payments. causing late payments. no notification of problem. I called to ask about late notification, was toked no phone conversation toke place on dates in question. was only notified by mail. was only kindly toke, they would look in to it. drop credit sore, left me hanging. i have personal problems with XXXX XXXX XXXX, with very good help. with them. but now, it seems they are grabbing at money anyway possible. i now go to bank teller window to do business. i did not need this.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

I just called my mortgage lender, Shellpoint mortgage services, to inquire, NOT SIGN UP for mortgage forebearance. One of my tenants was possibly having trouble paying rent so i merely called to find out what forebearance was all about in case they couldn't pay for an extended period of time and wanted to know just what my options would be at that point whenever that was. I didn't sign anything, or agree to ANYTHING! 
All of a sudden they have me in the forebearance program ( which i have now opted out of ), and put on my credit report " affected by natural disaster. '' This has affected my credit score and now made refinancing my mortgage harder for no reason. 
I have NOT missed any mortgage payments and never signed up for anything. I have already tried to dispute this through the bureus with some luck but still on some of them. I think XXXX  is the only one that has had it taken off. 
They say that i said on a recorded phone call that i was " affected. '' Never did i say this. 
I would really love this taken off, i have NEVER MISSED A PAYMENT! what's the point of this? They said forebearance wouldn't affect credit anyway. Liars.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

This is the second complaint that I filed on this issue. The first complaint was filed on XX/XX/2021 and the ID for this complaint was XXXX. After my first complaint was settled Mr. Cooper is insisting on charging me a fee of {$97.00} for " Lender paid expenses ''. I have called every month since the initial complaint was responded to for an explanation of this fee and none of their customer service representatives were able to explain it. I have asked for this fee to be removed multiple times and the customer representatives tell me that they will help resolve this but nothing is ever done. Every time I call for an update the process has to start over because this disreputable company keeps no records of this complaint. 

Since they refuse to explain or remove this fee I can only assume that this fee is in retaliation for the first complaint that I filed against them. I need help to get them to take this matter seriously and actually address the issue instead of ignoring the problem. 

Also from the first complaint I never received a clear breakdown of how the escrow amounts and late fees were refunded. Due to this companies unprofessional behavior I am concerned that I was intentionally shorted on my refund.
Consumer complaint received 2018-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX XXXX  placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from XXXX that there was a change in my credit score. XXXX dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my XXXX credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun XXXX penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by XXXX, Equifax and XXXX  are cause for investigation into the companies themselves.
Consumer complaint received 2022-04-28
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: National Credit Systems,Inc. (CA)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-09
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. (MS)

On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with Experian, XXXX, and XXXX. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While looking over my credit report, I noticed that my social security number was stolen. There is an account on there that I never opened. I need this account removed from my credit report. I contacted the federal trade comission and got an Identity theft report to provide the credit bureaus with all of my info needed to process. Thank You.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alpine Credit, Inc (CO)

I had my credit report ran, and found out that I had a medical collection that was derogatory on my report. I thought my health insurance had paid for this charge. I contacted the collection agency Alpine Credit , Inc. in Colorado, and I paid the {$64.00} charge. I asked them to please remove this charge from my credit report, and they would not. This is effecting my ability to get a home loan, which is extremely frustrating for me, when I did not even know about the collection. The supervisor XXXX was extremely rude, and would do nothing to help me.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Lender Inc (FL)

Im writing to you because I noticed that my credit report contains a closed account reported recently for my Selflender/ XXXX account. I want you to know that I understand, and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had to cancel my subscription. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for credit, and it has come to my attention that the closed account on my credit reports could hurt my ability to qualify. 
I am humbly asking for you to remove this account. I would greatly appreciate it!
Consumer complaint received 2018-03-28
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 sent in numerous disputes referencing the inaccurate information on my Student Loan accounts, but the credit bureaus refuse to properly investigate this matter. I informed them that Section 63 of FCRA was enacted precisely to prevent inaccurate or outdated information. It was intended to impose a duty on furnishers of information and Credit Bureaus to update information that is being reported. Pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information. XXXX XXXX XXXX current records show that the periods that were initially reported as delinquent are no longer delinquent due to my accounts being in forbearance startingXX/XX/XXXX toXX/XX/XXXX. The payments are now, as a matter of fact, CURRENT during the previous delinquent periods of XX/XX/XXXXthru XX/XX/XXXX. XXXX XXXX  can't say " oh by the way he was late at one point. '' That is contrary to the code which imposes a duty to update information. The fact that at one point information existed that is NO LONGER current runs contrary to Section 623 ( a ) ( 2 ) and its requirement to provide current and updated information. The Credit Bureaus must report what the current record shows. The current records will show that I am up to date on all of my payments, including those dates previously delinquent.
Consumer complaint received 2022-04-28
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: CLGF Holdco 1, LLC (NY)

In accurate with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX Acct ending XXXX and XXXX XXXXXXXX XXXX XXXX ending XXXX 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.

15 usc 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-04-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (NJ)

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This was not sent in error XXXX XXXX XXXX consumer by law at XXXX  information XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CT)

This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in XXXX. I have emails with the date from that account. The amount seems inaccurate as well.
Consumer complaint received 2022-04-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

This was not sent in error XXXX XXXX XXXX  consumer by law at XXXX  information XXXX XXXX XXXX  misused at XXXX  I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX XXXX.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Consumer complaint received 2019-08-21
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. (FL)

I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize this inquiry on this date. 

XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX - XX/XX/2019
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (SC)

When I would view my credit card statement online, it would show that if I paid a certain amount how much the credit would cost me and how long it would take me to pay it off. 

I am an online statement customer. 

I logged into my Discover credit card on XX/XX/XXXX and looked at my statement to find that information and it was no longer there. It used to show that information. 

From research, I found that there was a law initiated in XX/XX/XXXX, that this information is suppose to be available to consumers.

I was looking for this information as I was thinking about taking out a loan at a lower rate than the Discover card and without that information, I am unable to move forward. 

The first agent I initiated chat with online stated that it is on the paper statement. Again, I get my statement electronically and again, it used to be available until they updated their website. The site is user friendly and pretty, but if it doesn't have the information I need ; what good is it? 

Please advise if this law is still in effect and if it is ; how do I make Discover accountable. 

Thank you for your help.
Consumer complaint received 2021-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

I purchased my property in 2005 at the cost of {$130000.00}. Since then, I have been having modifications with the servicer. Since ever, my loan balance stood on {$120000.00} after all these years. When I confronted them, I was told that by balance increased due to surcharges, late payments, litigation fees, modifications fees, inspection fees and others. I asked them why did they include all as my loan balance and continue charging interests on the balance. They failed to answer this questions. I know, that the period of modifications should be treated with caution and other late payments. I asked them to consider removing other surcharges during the time of renovating the property. Please I want my loan account to be reviewed professionally. PHH mortgage servicing is my mortgage from OCWEN. I am confused and saddened over the balance I see on my mortgage after 16 years. Please help me on how to reduce my loan balance. 

Yes, I bought the house at the cost of {$130000.00} plus {$20000.00} down payment, but the down payment didn't reflect on my mortgage balance. It could have been {$110000.00}. But the second XXXX is being paid {$20000.00}. I was scammed.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom It XXXX Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding Portfolio Recovery {$580.00} Portfolio Recovery {$280.00} Portfolio Recovery {$460.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) by not placing the disclosure within the required XXXX period. 

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. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you XXXX be liable for your willful non-compliance, as per FCRA XXXX ( a ) ( XXXX ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction XXXX on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. XXXX XXXX of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act