davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Experian continues to report fraudulent & unverifiable accounts on my credit report. There are XXXX XXXX XXXX accounts which I 've disputed with them numerous times, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Experian has provided me with a signed contract of my obligation but they continue to claim this has been verified. When review my file here are some facts which question the integrity of their investigation. The address linked to these accounts is not mine. I 've requested it be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This is public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like these unverifiable accounts removed immediately. If Experian continues to claim they 've verified these accounts again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MD)

They sent me an email that says to " click here '' to see the results of my dispute. Then it does n't show it to me. This is very frustrating and when I try to go somewhere else on their web site they try to sell me things.
Consumer complaint received 2017-03-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Ars continues to attack my credit after several deletions. They are claiming I owe bills that are not validated as mine. Just a mere letter with dates and amounts that do not belong to me. XXXX did not verify the accuracy of this debt and continues to violate my credit
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Someone used my SS # to open a account with XXXX XX/XX/XXXX. They charged {$2200.00}. They have been notified, they were sent a police report and a picture of My ID They do not remove it from my credit report. 

XXXX XXXX
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX refused to send me my biling statements from XXXX XXXX XXXX and my last payment on XXXX XXXX, XXXX. That 's over 365 days between payments, so my 7yr time clock for deletions starts 30 days after first delinquency under FCRA. I had a three way call with XXXX and Experian and the manger whose name is XXXX # XXXX, and XXXX # XXXX XXXX and XXXX XXXX XXXX all confirmed the validity of my complaint. XXXX then lied and said they could n't find records because it 's an old file. I was threatened to contact you and anyone else, so I 'm reaching out to you to retrieve these dates and records so that I can have this deleted from my credit reports immediately. This company started out polite and concerned but then flipped the script and denied me all relative information for my records.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (VA)

On XXXX XXXX, 2016 I sent my third and final request to Experian for a Security Freeze, along with the letter I send a copy of my drivers license, social security card, police report and proof of address ; per the certified mailing receipt Experian received my request on XXXX XXXX, 2016. To date I have yet to receive a confirmation letter form Experian stating they have placed the Security Freeze on my credit file along with my PIN number.
Consumer complaint received 2023-08-21
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXXXXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00}.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERISAVE MORTGAGE CORPORATION (UT)

I want to ask the CFPB to open an investigation so AMERISAVE MORTGAGE does not continue to evade its responsibility to respond to small claims filed by consumers. I am going through a very stressful time with AMERISAVE MORTGAGE. I filed a small claim against this company, which is reporting the accounts involved in this matter. 

The case I filed is based on several violations that AMERISAVE MORTGAGE has committed : 1 ) I visited XXXX on XX/XX/2022, to make my XXXX payment and completed my payment. I think went about my business and tried to log in to make an extra payment but found that my online account had been locked and I could not access my account. I called the mtg company and was told there was an outage. At the time I was not told my payment was late 2 ) Later the next month I got an alert from XXXX that my payment was late. I think proceeded and immediately made the payment. 
3 ) I never received any communication from the mortgage company regarding the XXXX payment not being received. 
a. I didnt receive mail indicating a missed payment. 
b. I didnt receive any phone calls regarding XXXX payment being late or not received. 
4. I called and spoke with customer service the exalted rep in the collections department XXXX informed me that my phone number had been marked as unknown. While the system indicated calls had occurred, they actually hadn't. She said that there is an autodialer but when a phone is marked as unknown the calls dont actually go through. This would explain why I dont have any record of calls from Amerisave nor did I receive any voicemail whatsoever regarding the XXXX payment not being received by Amerisave. 
I didnt receive any Emails indicating late payment. 
5. I asked for the website system log and none was provided to me. 

I am attaching the proof of the filing.
Consumer complaint received 2016-01-30
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (NH)

secured a Reverse MTG in XXXX in XXXX was informed that our ins canceled and forced ins. of XXXX was charged to our acct. and that payment was expected. Telephone calls and faxes to XXXX XXXX, these included letters from our ins. agent and co. showing that our policy had n't expired since beginning in XXXX and that the Ins. CO. TAKES it 's payment electronically monthly. 
WE RECEIVED A CREDIT OF {$800.00} the amount of our ins. I told them a full credit plus expenses should be credited. 
XXXX another letter from XXXX XXXX telling us that {$1200.00} was due and payable by XXXX this was around the difference between what they charged us for ins, and what we paid. called Left message. 
XXXX/XXXX/XXXX another letter stating that unpaid ins. in the amount of XXXX has made the loan due and payable, if not pd. in 30 days. Called RMS XXXX XXXX explained everything, Faxed info to XXXX. XXXX/XXXX/XXXX called XXXX XXXX left message on voicemail " let me know if you received the fax info if you need anything else let me know '' XXXX/XXXX/XXXX spoke with XXXX asked about documents " waiting for confermation from the ins. dept. but we should be all set & receive a rebate ''. 
XXXX/XXXX/XXXX XXXX certified letters from XXXX, XXXX, XXXX XXXX atty. XXXX XXXX. we are still in breach of contract for failure to pay insurance. Faxed XXXX on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. Also called XXXX at NH. Banking Dept. Legal Div. 
XXXX at HUD forward written complaint ca n't do anything for me hire an atty. Called XXXX, on line application. Spoke with XXXX at XXXX. Spoke with XXXX @ XXXX go to XXXX Housing Counselor, XXXX at AHEAD Need certified reverse mortgage counselor that would be XXXX. Spoke with XXXX go on line national Consumer Protection Bureau she has had excellent results with them keep her posted she will see this to the end.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (TX)

Subject : Complaint Against EQUIFAX for Violation of 15 U.S. Code 1681i ( XXXX ) and Failure to XXXX XXXX Account XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of 15 U.S. Code 1681i ( XXXX ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUIFAX has failed XXXX comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within XXXX business days. The repeated failure of EQUIFAX to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( XXXX ) and has caused me financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-03
Product: Mortgage — Reverse mortgage
Issue: Credit decision / Underwriting — 
Company: Reverse Mortgage Solutions, Inc. (TX)

We have a reverse mortgage with RMS Solutions out of XXXX tx. In XXXX we had hail damage to our home. Our home owners insurance sent us a check for the repairs in our name and the mortgage co. We sent the check with our signature to the company for their signature. They held the check for almost XXXX weeks before contacting us saying we had to get a signature guarantee from our bank or a notary. They then held the check for another 8or 9 days before returning it. We took it to the bank and had our signatures notarize and sent it back certified the same day. They received it on the XXXX XXXX 2016. We received a call on XX/XX/2016 saying now we need to have the contractor write a contract sign it along with our signatures stamped paid in full along with his XXXX form, then they would release their portion of the money. I fell the are giving us the run around, and we owe them nothing.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I have a mortgage on a home with Santander Bank. The mortgage is for {$160000.00}. The mortgage was originally issues by a small local bank called XXXX. The property is in XXXX, XXXX. 
The original mortgage was an " interest only " mortgage. Several years ago the XXXX Bank was taken over by Santander and I was suddenly a Santander customer. 
My monthly payment had been roughly {$1200.00} a month. 
Last month I received a statement from Santander. I immediately noticed that my monthly payment had more than doubled. 
My issue is as follows : Santander gave me NO NOTICE that the " interest only phase '' of my mortgage was about to end. So this new monthly statement came as a complete shock to me. I know that other banks send out multiple letters to their customers -- -starting a year in advance -- -advising/informing the customer that their payments are about to " balloon '' -- - I received nothing to that effect from Santander. If I had known this was going to happen I would have attempted to modify/refinance my mortgage. 
When I call Santander I am unable to get anyone on the phone who can address this -- -All they do is ask for payment. I will loose my home because I can not afford the increase. Santander, like other banks, must in some way be REQUIRED TO NOTIFY its customers if the nature of a mortgage is about to RADICALLY CHANGE. Can you please help me deal with Santander. They seem oblivious to this issue and their part in it.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (NY)

My original loan was with XXXX XXXX which was illegally billing me. I stopped paying because there were numerous discrepancies in the amount being billed. Despite numerous request to have my loan reviewed, the request were ignored and sent to be foreclosed upon. They started a foreclosure which I was never served the summons and complaint or sent the 90 day notice as required by XXXX laws. My loan was later sold to waterfall which has been serviced by Statebridge Company. After the transfer I tried to rectify the problems with Statebridge. Rather, Statebridge continued to harass me to hand over my home rather than work with me to bring the loan current. After the transfer Statebridge continued the illegal billing and added an additional XXXX. On numerous occasions I was told I would not be given a modification and my only option was to turn over my home XXXX. A home which has more than a couple XXXX of dollars in equity. I also communicated with Statebridge about the faulty foreclosure, yet they still tried to obtain a default foreclosure. After I filed I motion to dismiss and several court appearances, the judge reviewed the case and ordered a traverse hearing. Upon the looming of the traverse hearing they discontinued their foreclosure action. 
The foreclosure was also sent to my neighbor which is a violation of federal laws. After communicating with their attorney 's and servicers asking for proof of the amount being billed they have basically ignored my request. Statebridge sent me a letter stating they were not required to answer my qualified written request since I am in foreclosure and their attorney 's have just ignored my request for documents. They have recently ended their foreclosure case and although their order of discontinuance states that the case is discontinuing without cost, I received a statement with additional foreclosure and attorney 's fees. Statebridge, XXXX are in violation of Federal, state and City foreclosure rules. XXXX Statebridge have insisted that I hand over over my house to them for {$3000.00} rather than justify their fees.
Consumer complaint received 2015-10-22
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: High Point Asset Inc (AL)

I am receiving repeated calls from a company named High Point Asset stating that I owe a debt to payday Lian companies called XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I was told on yesterday when I talked to XXXX XXXX that when you take out payday loans online and when it does not clear your bank you owe the original company as well as the lender they used. Unheard of. I have done online payday loans, but they have been paid back. I do not owe these bogus companies. I even asked for letters and they even sent me a supposedly validation of debt.
Consumer complaint received 2015-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Brock & Scott, PLLC (MD)

The law firmBROCK & SCOTT, PLLC has been harrassing me and my family about an alleged debt without and debt validation or verification. 

Per FDCPA rule : The attorney thus violated 15 U.S.C. 1692e ( 3 ) and ( 10 ) ,1. The law firm invaded the privacy of an individual by unreasonably intruding upon his seclusion by communication through the USPS via first class mail in relation to an alleged debt that did not owe to the law firm. 

2. The law firm and its agent 's acted in a false, deceptive, misleading and unfair manner by repeatedly communicating with me via USPS mail without validating and verifying the alleged debt. 
See attachment :
Consumer complaint received 2023-07-29
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. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (NJ)

I have had a Discover credit card for 10 years with a credit limit of {$18000.00}. I purchased a home in XX/XX/XXXX and part of my mortgage agreement was to pay off the remaining balance on the Discover card of {$3500.00}. When I closed on my house on XX/XX/2016, the title company handling my closing received the funds via wire to pay off the card and paid it off within 2 weeks. I then received a letter from Discover notifying me that my account was closed. I called them and they notified me that they received a letter along with my payment requesting for the account to be closed. I requested a copy of the letter and upon receiving it, saw that the title company had closed my account without authorization ( since that was n't a requirement of my mortgage lender ) and that the document had XXXX borrower signatures that were not mine. I called my mortgage company and they verified that the closing of the card was not a requirement and the title company was in the wrong. I called the title company and they admitted their error but said they could not help me any further. When contacting Discover, they forwarded me to a supervisor two times on two separate occasions and eventually told me that they would not re-open my account even though the document they received did not have my signature. I offered to send them a letter from the title company that committed the error and they refused that option as well. I contacted the fraud department at Discover and they told me the same thing. Since the account closed had a {$18000.00} credit limit, my credit ratio changed and therefore my credit score went down XXXX-XXXX points.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (FL)

I want to receive in the mail, all information pertaining to my loan from its inception in 2004 through today. Fees charged, interested charged, payments made, etc in chronological order. 
Please include a legend so I can understand your abbreviations.
Consumer complaint received 2016-06-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

In XXXX of XXXX I took out an installment loan with ACE Cash Express. I did not know the payments were not coming out of the account until I started getting treating calls from them. I believe I paid off this loan in XXXX of XXXX but can not find my letter of payment ( we moved ) I am now receiving treating emails on my cell phone and at my parents house where I have not lived in over 20 years. They are treating legal action over voicemail.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I attempted to view my credit report for the first time and entered my information to receive my report from all XXXX, Experian, and XXXX and in each case, they were unable to process my request because the information I entered does not match the information that the credit bureaus have for me. I know my information is completely correct as it has never changed and I ca n't view my report to see if something is wrong because my information with the credit bureaus is incorrect. I have only had one address, I have no debt or assets, have never taken out a loan or used or gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been a victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access my credit report.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.