davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX : XXXX hours spent entering information to dispute XXXX credit card accounts on my credit report. Name corrections/deletions also submitted. After online submission, a pop-up stated that online disputation was temporarily XXXX, suggested calling an agent. 

Called the suggested number : agents in XXXX, passed from XXXX to another, XXXX not so good ; scripted responses ; not to over-tax the last agent, I supplied info re : only XXXX disputes ; tried to correct name issues ; i was presented with questions for verification in order to do so ; I failed on a question regarding current/previous ZIP codes, all of which started with XXXX. I never lived in a an area with a ZIP code other than those that start with XXXX. I answered " none '' to the XXXX ZIP codes starting with XXXX ; the agent said I failed and therefore could not make name corrections. 

XXXX, like the other XXXX credit bureaus, are much more interested in selling their identity products than they are with actually helping consumers with credit issues. All three should be investigated and managed appropriately by the CFPB. Their mission is to help consumers, not sell products.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

I 've been paying extra toward my monthly principal EVERY MONTH. Freedom Mortgage has not credited me the full amount of 'extra principal ' every month that I 've been paying of {$200.00} extra principal since XXXX XXXX, 2016. They have only been crediting {$150.00} instead of the full amount of {$200.00} of extra principal. My previous amount due every month was {$1300.00} and starting XXXX XXXX, 2016, Freedom Mortgage did a 'review ' of my escrow and determined that my payments should be lowered to {$1200.00}. I 've attached a statement from Freedom Mortgage dated XXXX XXXX, 2016 that reflects the monthly amount that is 'due ' as of XXXX XXXX, 2016 is {$1200.00}. XXXX Mortgage even acknowledged their receipt of {$1400.00} and that the amount due was {$1200.00} as evidence on the attached statement. Please have Freedom Mortgage credit me for XXXX, XXXX, XXXX, and XXXX 2016 ( and any months following that I 've paid ) for the extra principal amount that I 've paid of {$200.00} each month. Thank you in advance.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2017-01-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

Our family was part of a trial payment program to qualify for a loan modification with Freedom Mortgage the company. During the trial period until the final approval and modification of the loan we made all proper payments on time. We have been referred to the credit bureaus as late payments for the entire trial and approval process. This issue has damage my credit score to the lowest point. Freedom Mortgage did not inform me at any time that this entire process will be reported as being a late payor. I have called several times to get this disputed and I am always being told that it will be under review with no solution. Can your team help us clear this issue
Consumer complaint received 2016-11-06
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Recovery One, LLC (WA)

I received a voicemail from the above mentioned company on XXXX/XXXX/2016 @ XXXX requesting I recontact the caller about a merchant, XXXX. After calling the number provided I only learned they were a debt collector as this was their first attempt at communication. I believe the licensee violated XXXX XXXX XXXX ( XXXX XXXX as their initial communication ( voicemail ) failed to indicate their company name, status as a debt collector, and that they are attempting to collect a debt in the voicemail message.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Just checking in about the issue I had with my identity being stolen. I wanted to mention something called FCRA Section 605B, which is part of 15 U.S.C. 1681c-1. This section basically says that Credit Reporting Agencies have to get rid of and prevent the inclusion of any stuff that's in an identity theft report. I've sent over some documents to help out with blocking and removing those inquiries that popped up on my credit report. Below is a list of those unauthorized inquiries that showed up in my credit history : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 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 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 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 2024-08-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

My name is XXXX XXXX, XXXX XX/XX/XXXX last XXXX SS # XXXX. My discover account went past due in XXXX as my husband past away from XXXX ; he was the primary source of income. Followed by him, my daughter past away from XXXX. 
XXXX agreed to settle my account at 60 % of the balance which was around {$3400.00}. I called into XXXX to make my payment in XXXX of XXXX and was told no more payments were needed and the account was settled. 
FDCPA Violation I head nothing from XXXX since XX/XX/XXXX when they took my last payment and said my account was setteleted in full. In XX/XX/XXXX I receive a letter from the Law Firm XXXX, XXXX XXXX XXXX who re acting as the collection agency for the debt. They sent me no Notice of debt to validate as required by XXXX. 
XXXX is stating I owe over {$6600.00}!!!!!! I called XXXX XXXX times asking for proof of my settlement agreement and all payments made. Furthermore, I asked for proof of what the account balance was in XX/XX/XXXX based on the terms of the Settlement agreement! XXXX REFUSED TO GIVE ME ANY OF THIS INFRMATION!!! Rather they transferred my call to the law firm XXXX the collection agency. 
The week of XX/XX/XXXX, I received a packet of random billing statements from XXXX. This is not what I asked for. I specifically asked for the settlement agreement and what the supposed balance was as of XX/XX/XXXX when I was told the account was settled. 
Additionally, I received a letter from stating my claim was deemed Invalid ; Also wrong!!! Now this Law Firm is operating under Unfair, Abusive, Deceptive, Acts and Practices ( UDAAP )! 
To recap XXXX either wrongfully told me my account was settled and it was not ; if that is the case, there would had been a vey small balance ( if any ). 
OR The account was settled and was wrongfully charged off and XXXX, XXXX XXXX XXXX is in violation of XXXX and FDCPA XXXX Notice for validation of debts. 

Good morning, XXXX! I hope your day is going well! I have applied for your open position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; I would like to inquire if you would consider a remote employee before having my first round with the recruiter. 
I Specifically asked XXXX, XXXX XXXX XXXX, if there was an error on part of XXXX telling me the account was settled and it was not, let me pick u an pay whatever balance there was per the terms of the settlement agreement on in XXXX XXXX. 

I am a single mother of XXXX boys who has over come the XXXX OF THE WORST THROUGH COVID! I LOST MY HUSBAND TO XXXX!!! They are threatening to garnish my wage! 
I told them I am in the process of buying a hoe for my boys and I! I will lose them, MY JOB and everything if my wages are garnished!! 
XXXX AND XXXX, XXXX XXXX XXXX ARE CLEAR CUT EXAMPLES OF OPPERTAING IN A UDAPP FASHION!
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$13000.00}
Consumer complaint received 2024-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Adjustment Service, Inc. (SC)

I JUST DISCOVERED THE OPEN COLLECTION AMOUNT ON MY CREDIT REPORT. I SPOKE TO THE DEBT COLLECTION COMPANY ( SPOKE TO XXXX XXXX ) AND TOLD THEM I HAD INSURANCE AT THE TIME OF THE TEST. I TOLD THEM TO CONTACT THE CREDITOR, XXXX XXXX XXXX, BUT THEY REFUSED TO CONTACT THE PROVIDER. I JUST SPOKE TO THE BILLING AREA OF THE PROVIDER ( TO WHOM I PRESENTED A VALID HEALTH INSURANCE CARD TO AT THE TIME OF SERVICE IN 2021 ), AND THEY INDICATED THEY WOULD FOLLOW UP AND CORRECT IT. THE PERSON IN THE BILLING AREA OF THE SERVICE PROVIDER GOES BY THE NAME OF XXXX.
Consumer complaint received 2024-08-21
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Longbridge Financial, LLC (IL)

My mother has a reverse mortgage. In XX/XX/year> she passed. Reverse mortgage said as her heir I could retain the property at XXXX percent of what they appraised the property for. I was living with my mother already taking care of her until she passed. So far they completed three appraisals. The first two were for XXXX XXXX the third one was for XXXX XXXX. I have a loan XXXX and and have been approved for the shortsale amount. Longbridge financial keep asking for the same information and keep having me to resubmit a new shortsale packet to give you XXXX days or it will be denied. They kept asking for proof of funds when my loan officer was saying the way they were doing things was not the way a mortgage process goes. They were not satisfied with anything that was submitted. About 5 weeks ago the loan officer sent them a form of proof of funds and told them we could be ready to close in about XXXX days. Longbridge financial then said the appraisal was going to expire in a couple of days so they had to order a new one. This time they sent someone out and they appraised it at XXXX XXXX dollars. I don't see how that's possible when no repairs or upgrades have been made. I feel this is a attempt to keep me from retain the property so they can foreclose or they are just trying to get more money.they do not return phone calls in timely manner and you can only email the shortsale dept. I I wish to retain the property at XXXX percent of the earlier appraised amont.
Consumer complaint received 2022-07-14
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: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

Late XXXX, I received a letter from Lexus Financial Services ( LFS ) giving me the process of paying off or returning the vehicle to XXXX. I had decided to payoff the lease with a loan from XXXX bank. I attempted to call the number that was provided and got to someone who stated just go to the dealer and they will help you through the process of paying off the lease. In early XXXX I drove the car down to the dealership ( XXXX of XXXX at XXXX ). They told me that I needed to call Lexus financial Services because they did not do lease end processing. I attempted several times to get through to XXXX. I finally got a live person who said the dealership is required to help with the process and were actually paid to do so. XXXX sent me the paperwork in early XXXX. On XX/XX/XXXX I called to see if they received the paperwork they needed. They stated they did not. I asked to have the paperwork sent to me again. This time I sent the paperwork on XX/XX/XXXX with a return receipt requested. I waited XXXX weeks and called again on XX/XX/XXXX. XXXX stated they had received the paperwork but needed 30 days to process it. They received the paperwork on XX/XX/XXXX ( Return receipt ). However, they stated the bank needed to process the paperwork and send a check to them. I called the bank and got them to issue a check. On XX/XX/XXXX, I received a email stating they had not received my payment and the payment was late. XXXX does everything in their power to force you to return the lease end vehicles back to them so they can resell the vehicles. I had to fund the purchase with my XXXX account and make sure they knew I would report this to the FTC and NEVER lease another vehicle from XXXX.
Consumer complaint received 2016-02-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BMO Bank, N.A. (WI)

I have owned a rental property in XXXX, WI ( XXXX XXXX XXXX ) for about 20 years. My XXXX mortgage holder is XXXX XXXX. I have a XXXX mortgage currently held by BMO Harris. This XXXX mortgage used to be owned by M & I Bank, until about 4 years ago. I have a {$40000.00} line of credit on this XXXX mortgage, and I have never missed a payment in all the years of that I have used this line of credit. For many years the balance was XXXX to XXXX. Last year, I badly needed a new roof on the property ( XXXX XXXX XXXX ) and I used the remaining XXXX for the roof. Soon after using the remaining credit, I tried to make a payment online, and the site would not allow it. I called customer service at BMO and they informed me that the entire balance ( XXXX ) was due at that time. From this point, BMO treated my case like a loan modification and assigned XXXX XXXX XXXX, Senior Real Estate Underwriter. After making many requests to keep my current line of credit and make payments like I have been, XXXX XXXX XXXX asked me to find a loan guarantor, in order to " re-do '' the loan. This is not an option for me, and I conveyed this to XXXX XXXX. She then suggested that I think about selling the property. This is also an option that is not realistic at the current time, considering the numbers. I am also worried about my credit score being affected adversely.
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2016-12-07
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When I bought my house 10 years ago, I opened a line of credit that I never used. 
In XX/XX/XXXX I try to use that credit line and was told the account was going to be expire and close on XX/XX/XXXX. 
Now the bank is charging {$510.00} for XXXX XXXX. 
Another bank is holding the mortgage on the property and since it was a lapse of time between the transition of changing insurance company the bank assigned a flood insurance which was canceled after I sent them proof of insurance and was not charged for it. 
Bank of America on the other hand is charging me on a closed account a temporary flood insurance an extremely large amount of {$510.00} for 2 months service. 
This is very abusive since the 12 months of flood insurance cost XXXX