davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
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)

My social security number was affected in the XXXX  Breach. Since then Ive had all sorts of predatory loans popping up on all of my credit reports. 
I have disputed XXXX XXXX as an account which was not mine several times .With XXXX  XXXX XXXX XXXX , and Exeprian.

Each time I would dispute, the investigation would result in deletion of the account as XXXX XXXX is not able to verify. 
However, dispite XXXX XXXX  ability to verify, Here we are a year later and these agencies have allowed the company to reinsert the debt without validation, or the 60 notification I am legally required to recieve from XXXX. 

According to the fair credit protection act, if a consumer disputes an account, and the account is found to be inaccurate, and deleted, both the reporting company and the reporting agency must notify me in writing if the same company tries to re insert the debt after they failed to verify. I have never been notified by any of the violating agencies that this company intended to reinsert this debt after deletion. 

These Agencies, who are suppossed to protect the comsumers continue to fail me wtih their security breaches and lack of due diligence. 
Case in point is, all three agencies are claiming that their information is correct and verified, dispite the fact that they are reporting varying information All three agencies are reporting a different amount for the SAME account named XXXX XXXX ( South Carolina ) XXXX  reports the account balance at {$390.00} XXXX  {$300.00} Experian {$480.00} All three numbers can not be right, nor can all three agencies be correct, so in fact all of the agencies are reporting knowingly reporting inaccurate information. 
Specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}. 
To add insult to injury, if you call XXXX XXXX they will tell you that they no longer own the account, and that a 3rd party company ( not listed on the report ) does and they will give you a number to XXXX XXXX  When you call that company XXXX, they will tell you the account is closed as well.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have has an issue with all 3 Credit bureaus that have reported information on my credit that are very false I have over 32 inquires one my account due to false information from identity theft and I want it removed it has brought my score down major and Im not even 25 with all of this false information on my credit XXXX XXXX has recently removed certain information Im thankful for that but majority of the inquires still stands I have multiple inquires from companies that I have never done business with from fraud behavior intended on getting goods that I knew nothing about at all. PLEASE REMOVE THIS INFORMATION I have never dealt with or has any association with these companies
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

On XX/XX/2020 I received a Payoff Statement from Freedom Mortgage. The amount of the payoff quote was {$66000.00}. The payoff quote was good through XX/XX/XXXX. I had an insurance check that was written to Freedom Mortgage and Myself in the amount of {$64000.00} that I received from my insurance company do to the property catching on fire. I contacted Freedom mortgage and was told by them that I needed to pay the difference so that the insurance check would be the exact amount owed when they received it. They informed me to go online and pay the amount of {$2000.00} towards principal and then send them the insurance check endorsed by me. On XX/XX/2020 I made a payment of {$2000.00} to principal like I was informed to do. I made sure that the payment to principal posted before I mailed out the insurance check. On XX/XX/2020 at XXXX XXXX at a USPS officXXXX I overnight mailed the endorsed insurance check, payoff quote, a letter to inform of a change of mailing address, and a letter of intent stating that I am sending this endorsed insurance check to pay off my loan. I mailed these items to Freedom Mortgage corporation Attn : Property Loss Dept. in XXXX SC as instructed by the Property Loss Dept. 
Freedom Mortgage customer service and their Property Loss Dept. as well as my online account look-up, recognizes that I paid the full amount of the payoff quote before it expired. I have spoken with Freedom Mortgage Customer service representatives, supervisors, and ambassadors about the fact that their system isn't showing the loan as paid off. They all have agreed that I have satisfied my loan by paying the total amount of payoff in the allotted time frame. It seems that the problem is that the check is being passed around from one dept. to another. It also seems that because of there mistakes and confusion that they actually generated a SECOND payoff quote on XX/XX/2020. I have spoken with them a ridiculous amount of times and nobody can seem to fix it on there end. With this problem still not fixed Freedom Mortgage is saying that I'm late on my payment due on XX/XX/2020 and that now I owe for XXXX and my bill due in XXXX. This is ridiculous.If this problem is not corrected by Freedom Mortgage quickly then they will put a bad mark on my perfect credit report. The biggest problem this is causing in my life is that I can't get any insurance checks from my insurance company written in my name so that I can give the builders funds to start building my new house. I need to prove to the insurance company that I've paid off my loan so that the checks won't have Freedom Mortgages ' name on them. Freedom mortgage is preventing this from happening. Me and my XXXX children are living in a temporary rental house until the new house can be built. We have a lease agreement and have to be out by a certain date. Freedom Mortgage is preventing this. This problem needs to be addressed and corrected as urgently as possible.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During this Pandemic we are struggling and your bank is telling people that if they want their card EXPEDITED they have to pay a fee. This is not a replacement card issue. This not exceptable. The bank is holding our cards hostage to make a profit off of us. 
I am writing to Gov. XXXX and then to consumer affairs. This must stop. The only way to send a card is After XXXX has sent the information. It can not be expedited. Your taking advantage for profit. This is not the time.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (SC)

I've tried confirming to see if Sage Stream has Opt me out and put a Freeze on my account but no response back within last 60 plus days. Since no mail or email, I decided to put freeze in and opt out again last week
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

I paid over XXXX payment on my Mohela student loan account. After XXXX calls and 30 days from when I made the payment the balance has still not reflected. I have proof from my bank that the amount was delivered but Mohela can not locate the money, they keep telling me it will now take 120 days to process the payment. Mohela still charging me interest since they keep saying send a bank statement to show the money was sent. I have a confirmation email and proof the payment was sent. Every time I call I get a different answer as to why the payment has not processed. Worse customer service I have ever experienced. Please help!
Consumer complaint received 2020-04-27
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)

My social security number was affected in the XXXX  Breach. Since then Ive had all sorts of predatory loans popping up on all of my credit reports. 
I have disputed XXXX XXXX as an account which was not mine several times .With XXXX  , XXXX XXXX , and Exeprian. 
Each time I would dispute, the investigation would result in deletion of the account as XXXX XXXX is not able to verify. 
However, dispite XXXX XXXX  ability to verify, Here we are a year later and these agencies have allowed the company to reinsert the debt without validation, or the 60 notification I am legally required to recieve from XXXX. 

According to the fair credit protection act, if a consumer disputes an account, and the account is found to be inaccurate, and deleted, both the reporting company and the reporting agency must notify me in writing if the same company tries to re insert the debt after they failed to verify. I have never been notified by any of the violating agencies that this company intended to reinsert this debt after deletion. 

These Agencies, who are suppossed to protect the comsumers continue to fail me wtih their security breaches and lack of due diligence. 
Case in point is, all three agencies are claiming that their information is correct and verified, dispite the fact that they are reporting varying information All three agencies are reporting a different amount for the SAME account named XXXX XXXX ( South Carolina ) XXXX  reports the account balance at {$390.00} XXXX  {$300.00} Experian {$480.00} All three numbers can not be right, nor can all three agencies be correct, so in fact all of the agencies are reporting knowingly reporting inaccurate information. 
Specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}. 
To add insult to injury, if you call XXXX XXXX they will tell you that they no longer own the account, and that a 3rd party company ( not listed on the report ) does and they will give you a number to XXXX XXXX  When you call that company XXXX, they will tell you the account is closed as well.
Consumer complaint received 2020-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (NY)

Opened XX/XX/2020 Vance and Huffman LLC requesting debt of XXXX dollars to be paid. The debt does not belong to me, no written notice within 30 days no verification provided of debt, and was added to my personal credit report I am requesting removal of debt from personal credit report as I am not liable for XXXX XXXX XXXX debt. Vance and Huffman LLC have not provided me with any information Within five days of obtaining my information contacted me with written notice of the debt, the amount of the debt the name of the original creditor to whom the debt is owed or a statement describing my right to dispute the debt only added a collection to credit report. Utilized false statements of contractual obligations ruining my credit rating without legal authority to do so and intend to do so.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (FL)

Suggested the debt has changed hands and is with a collection agency, hence, I never received a contract, signed by anyone agreeing to repay the collection agency. On any of the charge off accounts, I never received a 1099 since the debt has been charged off/written off, and I no longer owe the debt, therefore any collections from a 3rd party is not valid and I want this removed from my credit report.
Consumer complaint received 2020-04-27
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)

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX   XXXX XXXX - Account : XXXX. 
Creditor : XXXX XXXX XXXX Account : XXXX .... 
Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2020-03-23
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 have reached out to XXXX XXXX and Transunion six different times in regards to having two bankruptcies removed from my credit report. Dates being XX/XX/XXXX and XX/XX/XXXX Certified letters were sent from my doctor explaining that I have XXXX and XXXX  which affects my decision making at times. These bankruptcies were filed when I was ill and my medical conditions were beyond my control. I explained to XXXX that there was no balance on each of the bankruptcy because they were never completed do to my being ill at those times. Even with all of my certified letters from my doctor and from the bankruptcy court, XXXX refuses to honor and respect my medical condition and have these XXXX  balance items deleted it from my credit report please assist and having these items deleted and removed from my report so that I can move forward with my life now that I am well. Thank You
Consumer complaint received 2020-04-27
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. (LA)

inquires FTC violations fled to the federal trade commission 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  all filed to the ftc XXXX XXXX XXXX XXXX Unauthorized charges successful iconSubmitted  XXXX  XXXX Unauthorized charges successful iconSubmitted XXXX  XXXX   Unauthorized charges successful iconSubmitted Always know what's on your credit report
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

Went through process of having home assessed by realtor to have PMI dropped. 

Paid {$150.00} to Freedom Mortgage ( check cashed by FM ) Realtor visited house on XX/XX/20 Received report from Freedom Mortgage customer care on XX/XX/20 confirming eligibility to drop PMI Received bill due XXXXDID NOT REFLECT dropping PMI Called FM on XX/XX/20. Customer service rep initially told me FM has " no information '' regarding this. I insisted they did, and they in fact sent it to me After being put on hold, customer service conceded that they did have the info, but the paperwork was " overlooked '' and they would update my account and send me an accurate bill immediately. 

My electronic account has NOT been updated and I have not received an adjusted bill
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

After reviewing my credit report on both Experian and XXXX  i noticed that there is a collection from XXXX / XXXX XXXX. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Collection Details : Company : XXXX, XXXX XXXX. Date : XX/XX/2019 Amount : XXXX
Consumer complaint received 2020-05-12
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: Mr. Cooper Group Inc. (AR)

XXXX FILED BK RECENTLY AND SETTLED WITH US FOR $ XXXX, they are tradelines associated with XXXX, XXXX & XXXX AND ALL TRADELINES, XXXX, NATIONSTAR, XXXX, AND XXXX  SEE ( CASE NO.XXXX XXXX XXXX XXXX XXXX XXXX ). WE WILL SUED YOU ALL CARBON CAPYING THIS CLASS ACTION LAWSUIT. ALL TRADELINES HAVE VIOLATED ALL STATE AND FEDERAL CONSUMER PROTECTIONS ACT ALONG WITH THE DODD-FRANK FRANK WALL STRRET REFORM AND CONSUMER PROTECTION ACT IN ADDIION TO FORCE XXXX  TO DELETE TRADELINES AND SEND WRITTEN PROOF FROM XXXX  DIRECTLY.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XXXX *Opened online account with Equifax *Attempted to lift a security freeze for limited time frame *System blocked me from being able to manage/lift the security freeze *Error message appeared stating " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' *Tried several ( AT LEAST 6 TIMES ) times to access and lift security freeze online without success *Tried to lift the freeze by phone - called at least 5 times *Entered all correct security information to verify my identity *Phone system message stated " we could not verify your identity with the information provided ''. 

*Sent written letter to lift freeze on my account *Freeze is still in place I AM ATTEMPTING TO LIFT A SECURITY FREEZE SO THAT A LENDER CAN RUN A CREDIT CHECK - EQUIFAX IS IMPEDING MY ABILITY TO COMPLETE THIS STEP IN BEING APPROVED FOR A HOME LOAN.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CO)

On Friday, XX/XX/2020 we refinanced a home mortgage with a new company, therefor paying off our mortgage with Quicken Loans. Our mortgage payment for the month of XXXX would be due on Monday, XX/XX/2020. On the XXXX I received an email from Quicken Loans regarding a late fee by end of day. Our new loan was scheduled to pay off Quicken on the XXXX or XXXX. I promptly called Quicken in response to the email, which I had already planned on doing that day before the email, and spoke with XXXX in regards to the email, explaining the situation and concerns about our payment being late, caught in the midst of the payoff. She told me that since I had never requested a late fee waiver, that I could call when I got notice of the late fee and it would be waived. I did not receive a notice of the late fee, and our new loan paid out to Quicken on XX/XX/2020. I called on XX/XX/XXXX, to request that our escrow be direct deposited. I also asked if there had been a late fee charged and was told that a late fee of {$67.00} had been charged and would not be refunded to me. I was turned over to XXXX XXXX at XXXX. I again explained all of the above and she proceeded to tell me that I would not be issued a refund of the late fee. I was on the phone for at least ten minutes discussing the issue, explaining the situation and asking why it would not be allowed to be refunded. Her best response to me was that once it was in escrow and paid out, it could not be refunded. I find that utterly senseless and during these times shameful. We are small business owners and have, as so many others, been affected by what is today going on in the world. The conversation ended with XXXX refusing to do anything more and that I would not be issued a refund by Quicken, pretty much end of conversation. Shame on Quicken for not having more understanding and not attempting to assist me in any way.
Consumer complaint received 2020-04-27
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Chexsystems reporting an FTC violations with XXXX XXXX XXXX XXXX {$1500.00} and {$49.00} both FTC violations
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

Several times in XXXX, XXXX, and XXXX, PNC has repeatedly changed the way they interface with XXXX, a third party that allows for ACH and money transfers. This has severely hampered me from moving or accessing money I have needed to pay bills or rent in a timely fashion. I have reached out to PNC regarding this, as well as XXXX  ( the third party used by XXXX, XXXX, XXXX XXXX  app, etc ). XXXX  is basically cut off by PNC and can not help me, and PNCs customer support is unwilling or unable to help me due to sudden changes they make on their end of their data algorithms, therefore making it unable to use third party banking services to transfer funds when I need them. Outages have gone on for months at a time sometimes. With this Covid situation here in the United States, it is imperative that I am able to transfer funds remotely, and PNC has effectively cut me off completely from being able to do this.