davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-15
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: Experian Information Solutions Inc. (GA)

On XXXX XXXX I submitted an online dispute to Experian because a collection popped on my credit report from XXXX, a collection agency due to inaccurate information and medicredit failed to submit to me a validation of the debt. Within 8 days Experian results came back as the account will remain. So I called Experian and spoke with a special solutions rep by the name of XXXX and he stated that they electronically processed the dispute and XXXX responded by saying it was valid. I asked XXXX did they send them any documentation and XXXX stated that they do n't have to have documentation the creditor just reply either the debt is valid or not. I told XXXX that was not correct they have to send validation of the debt because that 's pretty much saying anyone can lie and say the debt is valid. XXXX said NO they reporting the account correctly. SO XXXX XXXX, I sent Experian a certified letter asking for a METHOD OF VERIFICATION that they used to validate my debt along with my Id and social security card because I have a right to request how the debt was validated with Experian ON XXXX XXXX I received a notification stating my results were ready, the account still remains on my credit report. Experian did not send me anything if my credit file to show proof of their investigation or what records they have in my file containing this debt. FCRA 611 ( a ) states I have a right to contact the credit agencies with the proper identification and request a reinvestigation to determine if the disputed information is accurate. Experian did not do that, I requested a description of the procedure used to determine the accuracy and completeness of the information and did not receive what I requested. Experian is violation of my fair credit reporting rights and something need to be done and addressed about it. XXXX and XXXX deleted the account due to the company failure to provide accurate information but Experian did not. So are they saying they are the only ones who received accurate information from XXXX? And if so where is the accurate information and why did n't they send it to me.
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

Due to a clerical error on the part of Specialized Loan Servicing, LLC, my ACH payments were shut off and two months ( XX/XX/XXXX/XX/XX/XXXX ) of mortgage payments were not made and I was not notified until XX/XX/2021. When I received the Notice of Foreclosure I paid all monies owed ( including late fees ) to bring my account current. In speaking with Supervisor XXXX, he acknowledged that the Customer Service rep I spoke with in XXXX should have told me that the ACH payments would be suspended but the recording shows he did not. Since XXXX, I have been requesting the repayment of the late fees since this was a bank mistake. I have a letter that states that the company contacted the credit bureaus stating that this was their accounting mistake ( attached ). Not only are they refusing to reimburse the late fees, they say that because I made 2 late payments ( which I did not ) I am not allowed to request reimbursement. In XXXX, I made a partial payment based on a third late payment fee that I did not have to make ( I spoke with a company representative who said that the third late payment would be added to the smaller XXXX payment I sent in and I would be current for XXXX ). They put my check in a suspense account instead and said I did not make an XXXX payment. I was denied credit due to this mix up and the resulting impact to my credit report. 

I have attached a complete listing of who I talked with, dates and what was discussed at each call. I have repeatedly asked to speak to a Manager/Supervisor and have been told I can not due to company policy. 

I would like a full reimbursement of any and all late payments paid on this account ( I have never been late with a payment until this occurred ), and another letter sent out to the Credit Agencies with a copy to me due to the mishandling of the XXXX payment.
Consumer complaint received 2017-04-16
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (MN)

I noticed a while a go on my wellsfargo.com account that my XXXX Rewards are " unavailable ''. I finally decided to give them a call to figure out why that is. 
When I called I was told that my XXXX Rewards were connected to a wrong account ( not my credit card ) and that they 'll look over my history and give me all of the points that I should 've have acquired over the years but did n't because of their mistake. I was told that a manager will look at my case and give me a call. Sure enough I received a generic phone call from the XXXX Rewards people on XX/XX/XXXX the message left told me it was in regards to my claim and that I should call back. When I called back the phone operator told me that my claim is resolved and that I should see my statement reflect that when my billing cycle restarts. When it restarted I only had about XXXX XXXX Rewards. The amount of rewards that I acquired in the month of XX/XX/XXXX. I called Wells Fargo Rewards again to see what is going on. I was told that I opened my XXXX Rewards on XX/XX/XXXX, the date I initially called to figure out why my points have been " unavailable '' for as long as I have had the card which I got in XX/XX/2006 ( says it right on the card ). I tried to explain to the person on the phone what is going on that they made a mistake ... after some back and forth and sitting on hold for 15 min I asked them to make sure they did n't open another credit card in my name without my approval ( WF has a history of doing that ). I was told that there is only that XXXX credit card in my name and that there is too much history to look through for the person that was on the phone with me after which she gave me a fax number ( XXXX ) and a XXXX NC that I should contact. When I asked for a phone number I was hung up on.
Consumer complaint received 2022-01-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Newrez owes me {$6600.00} due to an escrow refund. Their website clearly shows this on XX/XX/XXXX. I have talked to multiple representatives that state they sent a wire transfer on XX/XX/XXXX. I never received any such transfer. A supervisor named XXXX at Newrez stated they keep the escrow refund because " he's been in the business a long time. '' This will be an entire years of waiting as of this Friday XX/XX/XXXX. I have attached a copy of my payments history with escrow refund clearly shown in red. This from Newrez 's own website.
Consumer complaint received 2021-08-05
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. (FL)

I have attached an account that reporting to all three of my credit bureaus incorrectly and not accurately, per the FCRA they should be reporting accurately to all three bureaus if they all come from the same creditor. PLease delete this account.
Consumer complaint received 2017-07-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX for the satisfaction of a mortgage at XXXX and a satisfaction of a Heloc loan and for an unspecified transaction, XXXX checks were shown by XXXX from XXXX XXXX ( Bank of America ) to have satisfied XXXX transactions. The Heloc loan,XXXX, was taken out by XXXX XXXX and XXXX XXXX and could only have been satisfied from an account attached to their names.Bank of America account number XXXX XXXX XXXX was not found to be attached to either of their social security numbers. United States Trust, BOA, refused to speak with me in their NY address to locate the account. All three checks were issued on the account number. I do not know how the checks were funded. No brokerage account has been identified for the funding.Merrill Lynch has not found an account and has referred me back to BOA. I include the XXXX information about the Heloc being satisfied. If these checks are genuine, I will need the full account information about what account and whose account provided the funding. XXXX XXXX did identify a XXXX XXXX XXXX in their profile. For the year indicated, I was the designated trustee of the XXXX XXXX XXXXI provided the Ein number but there was not an account attached to it.
Consumer complaint received 2021-08-05
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)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2017-07-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have used paypal to wire money transfer to pay for a merchandise in XXXX, item was faulty and wanted to return it but paypal just closed the case. <P/>Used Paypal for witleing money Seller 's Name : XXXX XXXX XXXX XXXX, XXXX Transaction Date : XXXX XXXX XXXX Transaction Amount : - {$3900.00} USD Attachef a file of faulty item being inspected by a repair man
Consumer complaint received 2021-08-05
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. (FL)

I am filing this complaint to address fraudulent or erroneous information reported to my credit. I am aware of being impacted of several breaches however, I am unaware of who may have compromised my information. The way the accounts are reported and the timeline of event do not reflect my proven financial behavior patterns and I have tried to dispute and file an identity theft report, these accounts were not opened by me and I am seeking a correction. I am running out of patience, I've been trying to get these accounts removed for months now. On XXXX I filed the identity theft report in which I outlined those accounts that I do not recognize ; XXXX XXXX XXXX {$6300.00}, XXXX XXXXXXXX {$2900.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXXXXXX XXXX {$2500.00}, XXXX XXXX  XXXX {$0.00}. I have also tried to resolve these issues on my own however, as the consumer and the victim I have found the companies and reporters involved to be unreasonable and nonchalant when it comes to investigating. I am hoping that this complaint will address these issues and remove these fraudulent accounts.
Consumer complaint received 2023-01-28
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: Nelnet, Inc. (AL)

The following document attached with this letter is an FTC Report. This document is proof that I was victim an identity fraud victim. 

Your company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully. 

Please also be aware that any negative mark found on my credit reports for a debt that I dont owe, is a violation of the FCRA & FDCPA. Therefore, I demand that you permanently delete all fraud lent accounts that were opened as a result of identity theft. Along with the XXXX Police Report are copies of my most recent credit report receive by your company, highlighting all fraudulent accounts open AND inquiries made with my stolen personal information. I personally pointed out all fraudulent accounts to make it easier on you to process my request. 
Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$5000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Zip Code : XXXX, AL XXXX 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. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE BANK USA is reporting to all credit agencies two accounts that do not belong to me. The first account was opened XX/XX/XXXX with a credit limit of {$400.00}. The other account was opened XX/XX/XXXX with a credit limit of XXXX. Neither account belongs to me but it is still being reported to all agencies under my name. The records of both accounts do not match my SSN and when I give my information to capital one agents over the phone they do not have any records of this. My full social is XXXX and my DOB is XX/XX/XXXX. All of the accounts that are appearing on my credit profile the only information that matches my accurate information is my name XXXX XXXX. Nothing else in the records matched for my file.
Consumer complaint received 2017-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (ME)

In XX/XX/XXXX 2017 I submitted a form to switch from the IBR repayment plan to the REPAYE payment plan. It is now XX/XX/XXXX and my form still has not been processed. I have n't been able to make regular payments because I do n't know what my payment will be. I asked to be in forbearance until they processed the form, but it has been so long that now I am losing months towards my Public Service forgiveness. I get different answers every time I call, promises that the form is bring processed the next month, and then it is n't. I have been with FedLoan for a long time now, and every. single. time. I have to do something with them it is a nightmare and a headache. It is very, very stressful. Every year when I submit to have my payments counted towards Public Service Loan foregiveness they miscalculate my payments and I have to ask them to recalculate them, until they get it right. EVERY YEAR. I have friends who have the exact same problem. The mistakes they make regularly are criminal and nobody does anything about it. I have made a point to make smart decisions with my career and my money, and FedLoan makes it so, so hard to continue to do that. I 'm feeling really defeated.
Consumer complaint received 2022-02-14
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. (GA)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-09-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DriveTime (SC)

This is a final written notice to XXXX XXXX who acts as ceo of Drivetime I am invoking my right of rescission because of deceptive cosigner practices 16 CFR 444.3 and lies about the finance charge told to me by at the dealership in person. Today XX/XX/2021 somebody came by my house by the name of XXXX trying to steal my car for your company but he does not work for your company he works for XXXX XXXX XXXX. I was not home but my aunt was, he told her he works for XXXX XXXX XXXX and when he comes back if he does not see the car the police will come and arrest me. He nor you are licensed to collect debt from the division of banks. An XXXX XXXX who acts as ceo of Drivetime has not responded to any affidavits. 
This is a written demand to cease and desist immediately. This was a threat to me and my aunt. These actions have caused her XXXX  and XXXX. These actions have caused me XXXX  and XXXX. Do not threaten me, my aunt, my property or proceeds from this day forward or a criminal and civil complaint may be filed.
Consumer complaint received 2020-07-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (TX)

Went to XXXX XXXX XXXX on XXXX XXXX to purchase vehicle in XX/XX/2019. 1st original issue was given GAP Insurance when I declined it, Finance guy named XXXX, voided 1st contract and gave a new contract without GAP Insurance. I signed the contract on XX/XX/2019. I asked for an extended warranty cost was XXXX. Company named XXXX XXXX XXXX however when I called to see if I had coverage ( I was at the dealership getting work done and potentially needed additional work ) I was told I didnt have any coverage with them. I then contacted the dealership, spoke with XXXX in Financing for XXXX he said he not sure how that happened, who was the Finance person, he would look into it and call me back. No word..
Consumer complaint received 2019-10-28
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)

According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. See www.Faircreditreportingact.com Also according to Hjr 192 On March 9, 1933 the US Congress passed the Emergency Banking Act. On June 5, 1933 President Roosevelt announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938, 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.
Consumer complaint received 2017-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United Debt Counselors, LLC (FL)

when I contacted United Debt Services, they explained to me that the contract is for 24 months, and the first three payments will be for services. After that my payments was XXXX to pay down debts. At the end of the contract an agent called me and said that I dont have enough money to pay my last credit card. So she told me in a nasty tone that I had to make 10 more payments of XXXX if I wanted to pay off my debt. I aceptted these terms. Five months after that I requested the summary of payments. And I told them that XXXX had offered 50 % off. They said they would call me later. And they said that had an offer to pay my credit card. I told them that I wanted to pay off at the moment because I had a hard time to get a job at a financial institution. But when I noticed that i paid over I called United Debt Services and I said I wo n't pay anymore because I considered that I paid already all and more. Now United Debt Services closed my account and sent to me a check for XXXX. My last credit card XXXX was supposed to pay XXXX according to them. Only I needed XXXX to clear the debt.
I appreciate if you can help me they appear to be trying to get more money from me.This is not what I contracted with them. They said that I need to read the contract.