davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-15
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: EQUIFAX, INC. (MI)

Hello, I sent XXXX XXXX  and Equifax 4 dispute letters to verify or remove accounts on my credit report. They do not verify the items just updated saying that it was unchanged. I have asked repeatedly to provide documentation or information verifying these items were mine. With 4 attempts, they have failed to removed any of the items, and have not produced any verification.

I sent letters to all 3 agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In most cases they did not investigate at all. I would like the items in questions verified or removed, this is causing me great distress and hurting my credit score.
Consumer complaint received 2018-11-17
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: EQUIFAX, INC. (GA)

It has been several credit inquiries from companies listed on my credit report with XXXX credit bureau, I have called and talked to customer service that were unable to provide with any information about these inquiries. I was told that they don't have any record of pulling my credit. I contacted the customer service numbers listed on my report. I have a fraud notification on my report that companies are supposed to call me for verification. These inquiries did not result in any loan or card being dispersed. 

EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX  XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

Discover card is trying to make me pay for fraud charges that they refused to investigate. Now a year later they have added the fraud charges back on the account and demanding me to pay. I spoke with XXXX today with Discover Executive Office of Customer Advocacy who informed me that the person who had been investigating my case closed it. I have several complaints with the XXXX  and I have also filed a complaint with consumer finance.gov. Discover had two departments making changes to my account the fraud dept and the billing dept. Because of them not investigating the fraud charges and both departments making errors now they want me to pay for fraud charges a year later and I refused to pay any more money. The total amount that I owed them was {$3900.00} when the fraud charges for the amount of {$1300.00} is deducted that left a balance of {$2500.00}. XX/XX/2020 through XX/XX/2020, I made total payments of {$900.00} leaving a balance of {$1600.00}. In XX/XX/2020 I made a final payment of {$1700.00} that's a total of {$2600.00} which I added interest. I had frozen my account in XX/XX/2020 Discover continued to post charges to my account, they also let fraud charges post to my account. After contacting them and asking them to stop all reoccurring charges they allowed them to come through also. Now they are telling me that my case is closed. Discover have refused to send me a detailed billing showing me what my charges are. I never received a report showing that they investigated the fraud charges. XXXX at Discover today XXXX XXXX refused to go over my billing questions. Everything that they have done is illegal and that needs to stop. Now they have sent a letter to the XXXX stating that I owe them {$800.00} for fraud charges that they refused to investigate. They need to show me on my statements how they come up with a different figure than what I have provided. Now they are sending negatives reports to the credit bureau stating that I owe them {$800.00}.
Consumer complaint received 2024-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (FL)

This debt collector claimed I owed money to t bank. I said I was not aware of any accounts with that corporation. I need to see validation of debt. I need to see all of the transactions on account. I need to see a contract between the original creditor and myself. I need to know if there was any insurance claims on the debt or tax credits. If so how much? I also need to see you have permission or authorization to collect on this debt in the state of Florida. Is your company address XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX phone XXXX. This person asked me for my social security number. Thats a joke. This is a crime based on the false claims act. Even thought the debt is not not not mine the act states clearly that this debt belongs to the United States based on the 1933 bankruptcy.
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

again attempted to make the payment of {$5600.00} and I was advised that the account is in active foreclosure. I called XXXX and was advised that they could not take my payment. Then I spoke with XXXX the Paralegal at XXXX XXXX ( my bankruptcyattorney ), who advised that Fay could accept {$5600.00}. 
When I called Fay Servicing, due to updates in their system, I was advised that they were unable to accept my payment last week, and that I needed to call back. 

Today, the representative stated that this was done on active foreclosure was processed on XX/XX/2023. I was told that a payoff quote request was needed. The quote was ordered. 

I was told that I would need to wire the funds or send via mail after the quote is received. This adds additional attorney fees and costs- unfairly. 

This is horrible! Is there anything else that we can do? 

I am prepared to pay the {$5600.00} without any additional attorney fees.
Consumer complaint received 2020-12-14
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XX/XX/XXXX, XX/XX/XXXXand Experian CRAS. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NPAS, Inc. (NV)

NPAS Inc. called me at XXXX XXXX to attempt to collect a debt on behalf of a hospital that was improperly billed as out of network and is actively involved in an insurance dispute. While I don't expect NPAS to be up to speed on an insurance dispute, I do expect them to not violate the Fair Debt Collections Practices Act and not call before XXXX XXXX. when they are not allowed to call you prior to XXXX XXXX. or after XXXX XXXX. unless you agree to it.
Consumer complaint received 2020-11-20
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reverse Mortgage Solutions, Inc. (OK)

My reverse Morgage is on my residence only. I live in a rural area and found out that the appraisal was incorrect instead of 4.82 acres in residence it reflected 25 acres. Lendor RMS wanted me to submit a " PARTIAL REAL ESTATE '' releasement. The tax records agree with me 4.82 is the correct figure but when an appraisal was run to get a loan the error was submitted.
Consumer complaint received 2020-11-20
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: Rent Recovery Solutions (TX)

Ive sent a verification letter and havent received anything back. Its been more than 30 days. An i request this account get deleted from my XXXX credit report. Since they cant verify the debt. It goes against the FCRA and should be deleted immediately. Or will be fined {$1000.00}. So Im requesting you deleted this account or I will have to take legal action.
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I requested to have my PMI waived on my mortgage based on major improvements to my home within the first two years of ownership. PHH sent me a request form and I completed it and sent in the {$150.00} fee for the appraisal. They cashed my check on XX/XX/25. Since then, they refuse to schedule the appraisal. I made multiple calls and filed an executive office complaint and no one has responded to get the appraisal scheduled. They have since requested costs associated with the improvements Ive made - this request was not a requirement of the original request form sent to me by PHH and costs are irrelevant. The appraiser will re-document improvements ; take pictures and assess the value. Costs are fluid and vary by contractor used, etc. and does not equate to value. 

Theyve had all documentation and my money for a month now and continue to refuse to get the appraisal scheduled. I went through the PMI waiver process with a prior lender within 2 years and they promptly scheduled my appraisal upon receipt of my request and fee. Im not the first customer PHH has refused to schedule an appraisal for.clearly its common practice to take customer money and do nothing. 

PMI is unorthodox for buyers who pay their bills. This is my XXXX mortgage ( perfectly paid ). I should not be penalized for paying my bills and not having 20 % down. PMI = revenue for mortgage companies and nothing more. It does nothing to protect consumers and in this instance its clear PHH wants to hang on to their additional revenue and are avoiding scheduling the appraisal. If the CFPB truly cared about consumers, the practice of PMI would be eliminated for those who have never defaulted on a mortgage regardless of down payment. 

I did not choose PHH, my lender sold my loan after only XXXX mos - lenders should be required to keep loans they originate for a minimum of two years. Another horrible practice that can negatively impact consumers.
Consumer complaint received 2020-11-20
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. (NC)

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Experian - I have sent over 4 dispute letters to Experian all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/XXXX - XX/XX/2020 Actions Taken By Me : Sent 4 dispute letters to both bureaus ( Experian and XXXX ) by Certified Mail Return Receipt to remove inaccurate accounts.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OH)

I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with a settlement offer for a charge off account with XXXX XXXX  from XXXX ( {$3100.00} past due ). It was sent via certified mail & gave XXXX XXXX  ample time opportunity to decline. They did not, I later sent a restrictive endorsement check for {$790.00} ( via certified mail on XX/XX/XXXX ) and reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the account with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the XXXX XXXX  agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX, XXXX  , & XXXX -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the check but did not honor the terms of the agreement. Only the payment was reported to XXXX, XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not resolved.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I have been trying again for days to resolve an issue with Equifax. I cant sign into my account and Im told I have no account and then when I try to open a new account Im told I cant because I have an account. This has been going on now for two years. I have tried multiple ways to get around it and it will not work so I am locked out of my credit freeze. When I call and hold online for 2 or 3 or 4 hours, yes its true the staff never ever helps but just tells me to sign on again it will work this time. I have many many hours maybe 35 into trying to fix this issue and its cost me thousands of dollars because I can not refinance. I cant tell you how bad I think Equifax is.
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I saw an apartment for rent on XXXX and responded to the ad. I was told to secure the apartment I needed to pay 1 month deposit, 1st month rent and that it was refundable if I saw the condo and didn't like it. Then I was told I couldn't see it unless I paid the 2nd month rent, so I paid that. Then I was told I couldn't see the apartment without paying a {$600.00} utility deposit. I refused and they said they would refund my money. I contacted the property manager numerous times and he kept making excuses why I haven't received my refund. I told him I was going to take legal action and continued emailing him to follow up. Then the emails started bouncing back because he canceled his email account.
Consumer complaint received 2020-07-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (NC)

I applied for a loan with guild mortgage and I believe it is a predatory loan. This loan reaped guild a lot of money while causing me harm in paying 10x the amount to purchase. I believe my loan officer was more concerned with commission and did not explain all my options to me. When I closed on the house I asked if PMI could be removed and was told in 12 months I could remove. When I called in 12 months I was told that PMI was on for the life of the loan based on the loan type I signed. I believe that mortgage companies should be honest and should read the disclosures out at the time of closing. I was mislead in the process and would like to be compensated. I would like to see what underwriting guidelines Guild followed in my process. Based on a suit in 2016 of Guild I am worried that there may have been issues with the underwriting of my loan.
Consumer complaint received 2020-12-14
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: Credit Plus Inc (IL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX CREDIT PLUS add a hard inquiry on my credit reports. 
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 2021-08-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

Please refer to disputes that were sent under complaints XXXX TransUnion XXXX Experian XXXX XXXX As of today XX/XX/XXXX it has been 60 days since this was suppose to be put under investigation XXXX and XXXX. Experian requested authorization which they can consider this my written authorization to conduct an investigation and I have also attached proof of my identity which is required. I have included on each authorization this errors or inaccuracies on my report and NOTHING HAS BEEN DONE. The bureaus have now violated my consumer rights and it has been passed 60 days and per FCRA these items need to be removed that's on the attached disputes. I have filed a complaint with my local attorney general 's office and have attached what was said and the complaint number and documentation. I keep very good records so if I have to take further with civil action by getting a consumer attorney I will do so as well. Please just delete these items at this point Complaint Comment to Missouri 's Local Attorney General 's Office I am filing a complaint because since XX/XX/XXXX I have been disputing items listed on my credit report due to inaccuracies and errors which are my rights as a consumer. As of XX/XX/XXXX I filed a complaint with CFPB and XXXX and XXXX stated on XX/XX/XXXX that they were putting these items under investigation and Experian stated after sending them proof of my identity that they needed authorization which I know to be a stall tactic. It has been over 60 days now and still I have not received any investigation and according to the FCRA at this point because they have surpassed the timeframe to investigation that these are grounds for permanent deletion. This is what I am requesting at this point are I will be forced to get a consumer attorney because my rights or not being honored by a government entity as a consumer to investigate. 

Thank You
Consumer complaint received 2020-11-20
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. (NJ)

I have been a victim of identity theft. A couple of years ago i lost my wallet which contained my id and social security card and my information was exposed in the XXXX data breach.
Consumer complaint received 2020-11-20
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. (OR)

I am applying to refinance my home. I had 7 inquiries from mortgage lenders from XX/XX/2020 to XX/XX/2020. This well within the 45-day limitation allowed to shop credit interest rates. Within this time time period, my FICO score drops 42 points. Instead of combining these inquires as one they appear to each is considered " hard inquires ''. When I questioned the credit bureau in regard to this, I was told I needed to have each mortgage lender write and tell them these were mortgage inquiries. Upon looking closer I found that each one had been identified as mortgage inquires.

I am being ignored with my complaints regarding this matter. All 3 reporting agencies are doing this same thing. When I threatened to inform CFPB they were not in the least concerned. Apparently, they view you as a toothless tiger.

Can we possibly prove them wrong??
Consumer complaint received 2022-11-07
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (PA)

AR Resources posted a collections case that I do not recognize on my credit reports with. AR Resources did not contact me prior to posting this on my report. They provided no notice, no opportunity to dispute the report, etc. This just appeared on my credit. 
After seeing this unknown collections item, I have attempted to contact AR Resources via email, fax, and USPS mail. I've received confirmation receipts that my communications have been received. AR Resources has still not contacted me or responded in any way, but their unsubstantiated report is still destroying my credit, causing a credit score decrease of over XXXX  points. 
In my communications to AR Resources, I provided email, phone, and mail contact information for me, but they still have not responded to my requests for information, requests for substantiation of the debt, amount, creditor, licensing, etc. They have not responded to any questions. They have not removed this disputed collections matter from my credit reports, and that has already caused substantial harm.