davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AK)

I tried to refinance my house with Amerisave. I have a high income, high credit score, debt free, this should have been an easy loan. Month after month after month they kept asking me to submit information that I had already submitted and they had confirmed received. So I would have to call and remind them about how they already have it and we even talked about it after they received it, and they they would remember, again. It was a trail of incompetence that I would need a book to detail. But after 4 months I finally just asked if they they refund my {$500.00} application fee and allow me to go somewhere else. They agreed. But that was XXXX, it is now XXXX and no refund. They say they are sending it, just wait. But it never comes. It did not take me months to pay the fee, they should be required to refund it in the same year they took it.
Consumer complaint received 2022-06-02
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: ENCORE CAPITAL GROUP INC. (IL)

I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here adoes not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Balance {$130.00} XXXX, XXXX XXXX XXXX  Balance {$270.00} # XXXX, XXXX, XXXX {$440.00} # XXXX, XXXX XXXX {$1300.00}, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXMidland Cred {$830.00} # XXXX XXXX XXXX XXXX {$1400.00} XXXX re the company . I attached a copy of credit report as well. i could not attach on the next page
Consumer complaint received 2022-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (NE)

Debt was paid in full XX/XX/22 to XXXX XXXX a subsidiary of XXXX XXXX. They have told me they have sent over their paperwork to relieve me from collections 3 times, when I contact the collection company they try to intimidate me into making another payment for the full amount. I have filed a few disputes with XXXX as well as XXXX, they reply with statements saying amount is accurate with no representation for me, I have provided copies of payment and still reporting as in collections even though XXXX  says I do not owe and debt was paid in full
Consumer complaint received 2023-03-09
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

I didn't receive enough information to validate MEDICAL DEBT. 

Date : XXXX XXXX Sent Debt Validation Letters for account numbers XXXX ( XXXX, XXXX And XXXX ) Sent letters to Ability Recovery Services LLC ; XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/2022 Response : Ability Recovery Services llc has sent back documents containing only charges, no other acceptable documents providing validation of debt. 

I requested the follow A thorough breakdown of all alleged charges. 
Dates of alleged services rendered. 
List of services/procedures performed. 
Provide a copy of my signature from the provider showing my request to release information to them. 

They send me the following attached documents. They have not provided me with the thorough breakdown of all alleged charges, provided me a copy of my signature from the provider showing my request to release information to them etc..
Consumer complaint received 2020-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

I have federal loans serviced through Navient. 4 of the loans are XXXX  subsidized loans from my XXXX at Ohio XXXX and 1 is a XXXX PLUS loan from the XXXX XXXX XXXX. They have not delayed payments and have been charging interest all year. I messaged them about this and they first stated that it was due to loans being amortized on a schedule and that I wasn't being charged interest. I followed up later due to a different reason and they stated that the CARES act rules did not apply to my loans because they are not held by the department of education. They were still federal loans that were serviced by Navient so I'm not sure why this would not apply. My main issue is that they have been charging interest since XXXX which adds up to a significant sum and they did charge me 1 late fee which would not be present if CARES Act rules were applied.
Consumer complaint received 2023-03-09
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. (IL)

In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 U.S.C 6827 ( 3 ) The term document means any information in any form. I demand this company Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and Experian. The Provisions of 15 U.S.C 1601 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advise that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in contract/agreement giving that option to share my nonpublic information. 15 U.S.C 6802 ( B ) 1b the consumer is given the opportunity, before the time that that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 U.S.C 6802 ( B ) 1c the consumer is given an explanation of how the consumer ca exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and Experian ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I, with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Consumer complaint received 2022-06-02
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: EMCC Holdings, LLC (TX)

I do not feel that Equiant is accurately reporting information on my behalf to the credit bureaus. Equiant and the original creditor XXXX XXXX are in violation of the FCRA by failing to adequately explain and or verify the debt that they are reporting. I will be seeking statutory damages under the FCRA in the amount of up to {$1000.00} for each violation. I have signed no type of mortage agreement binding me to this company so please remove this immediately from my credit report.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

ive sent out several letters to the bureaus requesting an investigation into my disputes regaurding my credit report and the investigation has not been completed in the allotted amount of time. first letter was sent on XX/XX/2022 no response. i sent another letter demanding a reply on XX/XX/2022. still no response.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I have contacted XXXX, XXXX and Equifax via phone dispute, online an mail regarding XXXX XXXX XXXX XXXX. They are reporting me as being late XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I have NEVER been late. This is a closed account that was paid in full and NEVER late. I asked for it to be DELETED or REMOVE all of the above inaccurate reporting. They are in violation of US Code 1681. They would return my request stating it is verified. I told them to show me verification which they could not because I was never late. Also XXXX will not remove XXXX XXXX from my credit inquiry. I don't have an account I have never applied.Please remove.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have filed multiple complaints with XXXX XXXX for various reasons and they all keep being compiled under once complaint record number which should be again record compliance procedures. I have specifically requested that each complain for each reason be logged as a separate complaint and addressed separately to which I was just advised is not being adhered to by Wells Fargo - SURPRISE! I have filed corresponding complaints with the CFPB that align with the complaints submitted with Wells Fargo that are being combined, although they are different reasons. I am tired of being strong armed and discriminated against by my financial institution as they operate as they see fit and ignore their consumers wishes. I would like explanations as to how/why my requests to file complaints are being ignored and dismissed. I would like to speak with XXXX XXXX about my concerns and have my loan serviced by an ethical and competent loan servicing company, which is obviously not Wells Fargo.
Consumer complaint received 2023-03-09
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. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX 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 ; also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Due to late markers reporting on an account through XXXX XXXX XXXX, which consequently is reported as a conventional mortgage on my credit profiles, I had enlisted the assistance of outside help to try and correct this matter. On XX/XX/2021, I had submitted a dispute to XXXX directly referencing account number XXXX ( attached ). Additionally, after not hearing back, I had submitted an electronic dispute with Experian and XXXX directly on XX/XX/2021. Following the 30 days allotted for the dispute to finalize and not receiving any responses as to the status of my disputes and by this account still reflecting as being disputed through the bureaus, I had sent a second request to XXXX and informed them that I would be unable to make my upcoming payments due to them attempting to collect on a debt that I had disputed through both the XXXX directly as well as through the credit bureaus. I had asked that these accounts be placed on hold until being provided with the information requested. There had also been a second request mailed directly to XXXX on XX/XX/2021. After still not being provided with the documentation requested and still no responses from the bureaus, a second dispute to reinvestigate was filed electronically on XX/XX/2021. Again, I hadnt heard back from the disputes filed and the request to postpone my payments had been ignored causing a XXXX and XXXX late marker to be reported as late conventional loan mortgage payments. Again, on XX/XX/2021, and XX/XX/2021, I had sent additional requests to XXXX directly and again was never provided with the information requested. I had cancelled the service through the company I hired and studied my rights under the FCRA and the FDCPA.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received Overdraft notices from Bank of America, but I have Overdraft protection turned on. The consumer expectation is as long as I have overdraft protection turned on, I should not be responsible for overdraft fees, late fees, interest fees, and the payment should not be returned. However Bank of America returned the payment without my consent and failed to meet the consumer expectation for Overdraft protection.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

On XX/XX/2022 I was robbed of my phone and assaulted and had {$4000.00} extracted from my checking account. I immediately reported the situation to the police and contacted USAA to close my accounts. Per USAA protocol my {$3000.00} of my money was restored but after a week or so USAA decided my case did not look like fraud and decided to take my money back. I submitted the attached police report multiple times to USAA but keep receiving a response of " this doesn't look like fraud to us ''. I've asked multiple times to speak with the people who make the decision to deny cases and even to just find out what they're denying it for. Out of multiple requests I only received one callback, which happened while I was at work, and before I could return the call ( for which they only provided the general customer service line ) they closed my case again. This has been going on a year now and USAA has done nothing but ignore my requests and provide me shady responses to why they don't think my situation, with a detailed police report, is fraudulent. I do not think USAA is making good on their commitment to their members and feel now is the time to escalate.
Consumer complaint received 2023-03-09
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. (MS)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian CREDIT BUREAU is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00}.
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (FL)

I am filling a complaint against Discover Bank for abusive and deceptive business practices pursuant to UDAAP, which the CFPB has jurisdiction. I have repeatedly disputed, denied, and demanded stick proof there of regarding any alleged debt owed to them. They have refused to comply with my demands, upon repeated notice. I have attached files as exhibits to support my complaint. Discover Bank both lack standing, and fail to state a claim for which relief can be granted.
Consumer complaint received 2023-03-09
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. (MS)

I submitted this complaint to update this suspicious information. Experian and XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00}.
Consumer complaint received 2022-06-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

I received a notice on XX/XX/2022 from XXXX XXXX insurance company stating that the insurance premium for my house had not been paid. 
The monthly payment I pay to Fay Servicing has {$270.00} for both taxes and insurance credited to an escrow account. 
I contacted Fay Servicing on XX/XX/2022 at XXXX XXXX  and spoke with a representative who assured me that an expedited payment would be made to XXXX XXXX XXXX XXXX. 
However, on XX/XX/2022, the insurance agent notified me that Fay Servicing had failed to make the insurance payment as promised and the policy would be cancelled. 
I had to borrow money to pay this unexpected bill which Fay Servicing is legally obligated by contract to pay. 
I had to come up with extra money to make sure the bill was paid. Since Fay Servicing did not meet their obligation as they should have. Fay Servicing took my money in good faith and did not pay the insurance. So now I had to pay twice. 
I wrote to Fay Servicing on XX/XX/2022 requesting to reimburse me for the insurance that I had to pay out of my pocket which was Fay Servicing 's responsibility and to update the escrow account for reducing the monthly payment which Fay Servicing continues to collect in full for interest, taxes and insurance. 
On XX/XX/2022, I received an escrow account statement which showed that Fay Servicing not only did not update the escrow account but also was not truthful with the fund allocated for insurance payment. 
I called Fay Servicing on XX/XX/2022 at XXXX XXXX and spoke with a representative. She claimed that Fay Servicing never received an invoice from XXXX XXXX XXXX XXXX. 
I contacted XXXX XXXX XXXX and obtained the copy of the invoice sent to Fay Servicing on XX/XX/2022. 
Fay Servicing has almost put me in a hardship situation. I am very concerned what happens when I have to pay the tax bills in the thousands of dollars which I have been paying to an escrow account at Fay Servicing every month. I have no faith in Fay Servicing and I would like to protect myself.