davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
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. (TX)

I recently received paperwork from your company in regards to the disputed accounts on my credit file. I have yet to receive any type of corresponding proof that you performed an investigation of any type. I have contacted the creditors directly and provided you with the documentation, yet your company XXXX continues to intentionally harm and damage my credit. I have written you on ( 6 ) six different occasions regarding the so called verified/accurate accounts. According to the FCRA section 611 ( 15 USC 1681 ) you have 30 days to comply with my request and 15 additional days if needed which you have not. My ID and SS card were scanned in legible and clear you are in violation of the rules and regulations, therefore you must remove the accounts listed below for failure to investigate and or validate under section 623. Also, I have a host of non-account bearing and unauthorized inquirys showing as well and would also like to have them deleted. I am sure after review from your legal counsel you will adhere to the rules and regulations of the FCRA, less you are prepared to pay the steep fines which you have amassed ( 6 ) different request for failure to comply. 
I reviewed a new credit report dated XX/XX/XXXX and noticed that I have accounts that are inaccurate and in violation of the FCRA. Attached is a copy of the accounts and the listed violations for each. Note : these accounts were deleted from Experian and XXXX last year and I am sure you received the information because you guys share it. Either provide the proof in the form of signed contracts, identifying documents, DL & SS card or any legal documents you received from the creditor which would validate your investigation or you must delete these invalidated and inaccurate accounts immediately. 
1. XXXX XXXX  ACCT # XXXXXXX for {$400.00} Furthermore, I have explained to you that I was a victim of identity theft. I have never had XXXX as a financial institution. Clearly you can see that but you insist on violating the FCRA and a blatantly attempting to do malicious harm to my credit. 

2. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$XXXX}. 
Violation : activity on a closed account, inaccurate payment history, See XXXX print out. 
3. XXXX XXXX XXXX XXXX ACCT # XXXXXXX opened XX/XX/XXXX for {$XXXX}. 
Violation : activity on a closed account, inaccurate payment history, See XXXX print out. 
4. XXXX XXXX XXXX XXXX  ACCT # XXXXXXX opened XX/XX/XXXX for {$XXXX} Violation : activity on a closed account, inaccurate payment history, See XXXX print out.
Consumer complaint received 2020-11-02
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: Experian Information Solutions Inc. (IL)

My identity has been seriously compromised by on line identity theft and it has left me with issues unknown and unauthorized by me. Prior to my wallet was stolen and reported so this is an recurring issue. The following accounts are an aftermath of the fraud. I'm demanding that the credit reporting agencies remove and block these accounts immediately. 

1 ) XXXX {$71.00} 2 ) XXXX XXXX XXXX {$30.00} 3 ) XXXX XXXX XXXX {$680.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX  Card Services 7 ) XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (RI)

There was a fraudulent transaction on my discover card XX/XX/2019. I contacted discover the day after it happened. They took off the charge and then a few months down the road they re-added the charge and accused me of having done the transaction myself. I have proof that I was not in the area as it is very far away from my house. I have contacted discover multiple times for them to investigate and every time I get a response to give them 6 weeks to re-open the investigation. They never contact me back and then I have to reach out and for them to tell me that there was no additional information that would allow them to investigate further. It seems as though there is no effort in their investigation and it is simply convenient for them to place the blame on me. I have never been to that store in my life and I didnt even know what it was until discover told me. I very rarely travel that far away from home to go shopping.
Consumer complaint received 2019-12-17
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: BB&T CORPORATION (FL)

BB & T XXXX XXXX XXXX XXXX, FL XXXX XXXX FAX XXXX BB & T CLAIM XXXX XXXX BB & T sent me a credit card I never received. Someone else received and used the card without my authorization. I never received the card. I do not know who received the card. I never used the card. On XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged again for XXXX. On XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged for XXXX on XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged for XXXX.
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

First Quarter 2019 : Submitted to have PMI removed to my loan servisor, XXXX. I was rejected and told I needed an appraisal. I agreed to the appraisal and paid for it. The appraisal was completed and a new value was determined. The new loan to value ratio did not reach the XXXX 's requirement until XXXX. 

XXXX : Submitted for the removal of PMI since I had calculated that My Loan to Value ratio reached their threshold of 75 % XX/XX/XXXX : Received a rejection letter XX/XX/XXXX : Called I disputed the PMI removal rejection. They said I needed to fax to XXXX to dispute with any documentation. Fax sent on XX/XX/XXXX with a letter, calculations and their previous appraisal. 

XXXX : Called. The fax did not reopen the case so I had to request that it be reopened. Explained to the rep that my calculations are correct. The rep agreed XX/XX/XXXX : Called. Rep confirmed that the case was re-opened and that I would have to wait until XXXX to hear the conclusion. 

XXXX : Called to get results of re-opened case. Rep said that PMI removal was denied due to LTV ratio not being 75 % or less. I explain again that it does and the department that does the calculations is using the wrong numbers. I also tell them I faxed in all the documentation. The rep says that the fax didn't get linked to the case. The rep says that I need to email the documents so that it is attached to the case. This is different from the call on XX/XX/XXXX. The rep said that once I email the documents via their web form, I will get a ticket number that she can used to pull the documents and attached to the case. I never got the ticket that day. 

XXXX : Still have not received a ticket number so I resubmitted the documents. Still did not receive a ticket Note : They have the current property value. It is displayed when I log into the portal. The are using the original property values from when I purchased the house instead of the current property value. The new value was determined in XXXX by an appraiser that they hired. They have all the data but they will not use the correct data to make the calculations.
Consumer complaint received 2020-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

CFPB ID XXXX RE : XXXX and XXXX These numbers were listed on my XXXX report. I was unable to access the information on my credit report or file. I demand access to this investigation report. I submitted dispute letters on XX/XX/2020 demanding a validation of the alleged debt from XXXX  in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how XXXX  calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed. cashed checks used for bill payments, and identification of the creditor including the accurate contact information. In pursuant of 15 USC 1692g ( 4 ) I am demanding verification of the debt and copy of such verification to be mailed to the consumer. I am demanding verification of all relevant information and any documents your agency retrieve from the creditor. I demand a copy of your investigation report that was placed in my credit report and credit file in pursuant of 15 US1681d. Disclosure on request of nature and scope of investigation make a complete and accurate disclosure of the nature and scope of the investigation requested. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages under the Fair Credit Report Act. Unverifiable information must be removed immediately. Also, XXXX, your consumer report agency or bureau decreased my credit score by 70 points as a form of intimidation upon me filing a dispute. No credit bureau or consumer reporting agency shall use any false, deceptive or misleading representation or means in connection with any debt. Consumer reporting agencies such as XXXX, TransUnion, XXXX  shall refrain from abuse of powers and threating a consumer credit score. Consumer reporting agencies or bureaus shall refrain from acting aggressively to report information to a consumer 's report and file due a fee and mutual agreement with the creditor. Consumer reporting agencies has cause someone like myself to lose out on an opportunity to purchase a new home due to the fraudulently and criminally acts.
Consumer complaint received 2020-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

There is an account with Franklin Collections that is not mine. I called them yesterday and the woman I spoke to was extremely condesending and I tried to explain to her that I had never had services with the company they said I owed. I told her that I wanted something showing my signature because again I had never had services with XXXX XXXX. She tried to dismiss me and told me to send them something in writing and they would forward it to the company for research. The rude woman I believe just wanted to get off the phone with me and I am worried that the certified letter I am sending will not get forwarded to the company. It is not my debt!!
Consumer complaint received 2020-11-02
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: EQUIFAX, INC. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-01
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. (CT)

this company is not having the proper investigation as by law they should. they have not provided me any proof of the investigation they said they made regarding to inaccurate information been report in my credit report.
Consumer complaint received 2020-11-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (NC)

Lennar Homes and Eagle Home Mortgage are committing RESPA violations by offering clients significant closing cost credits if they select to use Eagle Home Mortgage for the purchase of a property. This is a clear example of disparate treatment because they would dissuade clients from selecting their own service provider for their lending needs and instead create a kickback for Eagle Home Mortgage. This needs to be addressed because it limits a borrowers ability to choose a lender they are more comfortable with and are instead incentivized to use Lennars preferred lender.
Consumer complaint received 2019-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I mailed from XXXX XXXX Post office mailbox a check from my employer. I put it in a pre-printed envelope going to my bank, XXXX 's XXXX XXXX. A week later it had not been credited so I reached out to them. I started searching for the check and found out that on XX/XX/XXXX the Bank of America cashed the check that was clearly marked deposit only to my account number. The third party, XXXX XXXX XXXX, signed his name and crossed out my account number. I have been without the funds ever since. I filed a police report, a mail fraud report, and have reached out to Bank of America. My employer filed a claim through their bank, XXXX. That Claim XXXX  XXXX. There's been no word on the progression of the case. 
This has caused a significant hardship as I am a teacher and that money was to get me through the summer. I have fallen behind on financial obligations since the amount of the check was for {$6900.00}. 
Per Bank of America, their policy for cashing a third party check states that either the payee is present at the time of the cashing or the check was endorsed over with the words pay to the order of the third party. Neither of this was on the check. In addition, their site also says that fraud issues will be addressed within 45 days. We are well beyond that now. 
No one is willing to speak to me as I am not the account holder the check was written from rather I am the payee. 
Can you please help me to recover my funds?
Consumer complaint received 2019-12-06
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)

Someone has stolen my identity I check my credit and notice Fraud Accounts I did not give anyone permission to open any accounts using my personal information this is very stressful I'm a XXXX  doing my very best at life, and someone is trying to destroy my credit which is very important for my future.
Consumer complaint received 2024-09-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivable Solutions LLC (SC)

I am attaching a document I received in the mail on XX/XX/XXXX from XXXX XXXX XXXX XXXX. This was a medical bill from XX/XX/XXXX. Yet the phone number to call of which I did is for Receivable Solutions in XXXX, SC. This bill went into collections with the Receivable Solutions debt collector 10 years ago. 


The letter is a little alarming because it has XXXX entities requesting my personal information to include my social security number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and possibly Receivable Solutions. The way I am reading the attached document. I am not disclosing my social security when this is all a bit confusing for me. 


I called Receivable Solutions out of XXXX twice yesterday and received different information on both attempts. They stated it was closed out. Another stated that they are collecting again because in XXXX XXXX  XXXX XXXX XXXX paid them around {$200.00}. I stated the statute of limitations in SC is 3 years. Receivable Solutions stated that since XXXX XXXX XXXX XXXX paid in XXXX to them, it starts all over again for them to collect. Please note XXXX is now 5 years since XXXX Dept Paid . This is not accurate for them to go back collecting? Given the XXXX statute of limitations is 3 years. 

I have lived in and out of XXXX XXXX during the course of many years as XXXX XXXX is where most of my employment has been and that being mostly my home state. 


I went on to explain to Receivable Solutions that I am XXXX yrs old and retired at XXXX on the lowest of Social Security {$1000.00} a month. I do not own anything ex : home, car etc. I live with my family on a fixed income, paying my medical/dental premiums and other established bills. 


I am seeking your expedited professional help on this matter to get clarity on the confusion of this situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-09-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NJ)

This complaint is a continuation of a previous complaint XXXX Complaint # : XXXX ) on Freedom Mortgage initiated on XX/XX/XXXX. The company made an inital reply on XX/XX/XXXX and closed it with their version of expalnation, which was under no circumstances is acceptable. We provided our counter explanation on XX/XX/XXXX, but it was just posted as feedback and not allowing for further probe and resolution. Here is the continuation of our appeal ( Complaint # : XXXX ), with detailed explanation as to why this needs to resolved as we are in dire straits due to Freedom Mortgage negligience which has caused us financial peril and harassment in this time of pandemic. 
Since XX/XX/XXXX our mortgage payment increased by XXXX dollars per month and since the time of notice on that ( around XX/XX/XXXX ) until just a few weeks ago in XX/XX/XXXX, we never had an clear explanation of the increase in payment. 
On XX/XX/XXXX an escrow analysis was done bhy the mortgage company and they determined a escrow surplus of {$6900.00}. We had no knowledge of the escrow anlysis nor we received any surplus check from the mortgage company. In XX/XX/XXXX, another escrow analysis was done when they determined that I was in escrow shortage, and my monthly payment from XXXX XXXX will increase by {$800.00}. This is a very large amount per month, so we inquired with mortagage company but never got any clear explanation for the next 6-7 months. While we waited, every month we were getting chaged the increased mortgage payment and no one cared to explain this exorbitant hike in the monthly payment. In XX/XX/XXXX I was incidentally provided information that a check of {$6900.00} was issued to me as escrow surplus in XX/XX/XXXX, which I never received. We requested the check and got it a month later in XX/XX/XXXX. We then requsted a new escrow analysis but the company denied to do so until XX/XX/XXXX. We then approached CFPB whihc forced them to do an escrow analysis in XX/XX/XXXX when it got revealed that about $ XXXX was paid out of the escrow for city tax causing shortage. We were probing for analysis and explnation for 6-7 months and all this time I was charged the {$800.00} higher payment whhc has kept us delinquent till date. If we woud have knwon about this and had the check 6-7 months ago we would have deposited back the check and this whole fiasco could have been avoided. Now this negligience and harassment has kept us delinquent till date, and now we have to pay a lot of money to become current.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Pomelo International, Inc (IL)

XXXX XXXX XXXX XXXX  XXXX, XXXX, 2024. I was wrongfully reported to credit union due to delinquency when Im paying my account. The company did not inform me or warn me. I am not delinquent, I try to pay them and paid full amount but they still reported me as delinquent.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

Due to me losing my job in XXXX, my vehicle was repossessed by NMAC. My personal belongings were kept & even though, I tried to get my personal belongings back I was unsuccessful. To my understanding the vehicle was sold & then I started getting letters from XXXX XXXX XXXX Offering me a settlement. I agreed & paid the settlement in XX/XX/XXXX under the terms that NMAC would delete the negative remark from my record ( verbal agreement ). Upon checking my credit report NMAC has not deleted the item from my credit reports. 
NMAC only updated my credit reports to settled for a lesser amount. I have been disputing with the bureaus & NMAC to delete the information from my credit report. Now every time I do a dispute NMAC add remarks to my credit report ( so in other words NMAC goes in & out of my credit report adding remarks ). Can they do that? Now the vehicle was repossessed around XX/XX/XXXX & when I look at my credit report its still being reported as L ( which stands for charge off ) for the years of XXXX, XXXX & XXXX. I thought that after it was charged off in XXXX NMAC were supposed to stop reporting. Why is NMAC still reporting years later?? 

I wrote NMAC in XXXX & XXXX & my cries to get NMAC deleted from my credit report has fallen on deaf ears. I called NMAC & complained & was asked did you get it in writing that NMAC would delete the negative remark from the credit bureaus, I said no, I didn't know I needed to get it in writing. I was appalled, because the customer service representative said we can't delete anything. Irregardless of what NMAC is saying & doing they reneged on our verbal agreement & kept my personal belongings that were in my vehicle. I specifically requested that NMAC be deleted from all 3 credit bureaus so that nothing negative would be reported on my credit report!!!
Consumer complaint received 2020-10-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: HYUNDAI CAPITAL AMERICA (VA)

I recently obtained an attorney to file a chapter XXXX bankruptcy, my attorney is in the process of filing my bankruptcy. I contacted Hyundai motor finance to inform them of this thru phone and email and they told me to contact there bankruptcy department. I did so, and gave them my attorney 's information. They said they tried to contact my attorney and he won't answer their phone calls which is not true. Now they threatening repossession of my vehicle
Consumer complaint received 2020-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WA)

Im XX/XX/2020 via telephone call to ( XXXX ) XXXX, I requested validation of the service address for said {$190.00} debt IC System claims I owe. To this date I have not received that information. My previous dispute asserts that this debt is not my debt, however, despite this, they continue to report it as mine on my XXXX  credit report.