davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

My complaint is about the credit bureau Experian. I have recently noticed that I have been charged for a monthly subscription that I have never once agreed to. I have been using the app since XX/XX/XXXX as a means to check my credit score. Today, XX/XX/XXXX, I noticed a XXXX XXXX charge to Experian which led me to investigate. According to my bank it is for professional services. Further looking at my transaction history, I was also charged XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have not interacted nor agreed to buying any subscription or plan from Experian. I have not received any correspondence, from email or paper, that I have agreed to a membership fee. I am absolutely certain that this deceptive practice is not legal. In XXXX, the only thing I did with Experian was go to their office in XXXX XXXX to acquire a credit report for a background check. The clerk did not tell me I was being charged and all indications were that the credit report is free.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) Im now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.
Consumer complaint received 2017-06-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST CALIFORNIA MORTGAGE CO., INC. (CA)

I purchased a home in XX/XX/XXXX in XXXX, California, using an FHA mortgage, FirstCal as the lender, and XXXX XXXX as the appraiser. <P/>InXX/XX/XXXX, I was applying for a refi to simply shift to a conventional mortgage while rates were still low so I could lower my PMI. At the time of purchase, I did n't understand that the PMI on the FHA loan was for the life of the loan. I wanted a conventional loan prior to predicted increases in interest rates. During the process, I was notified by various banks ( XXXX, XXXX, and XXXX ) that the original appraisal appeared fraudulent and the lender backing of such an appraisal should have created red flags and concerns during the appraisal review. <P/>My home is a half-plex two bedroom/two bath home. The XXXX noted 2-3 bedroom ; however, it is clearly two bedroom - there is no den, but there is basically an enclosed porch surrounded by windows with no closet and a tile floor - not a bedroom. The original inspection noted 3 bedroom and only 3 bed comparables were used in the appraisal - no two bedroom equivalents. In addition, the original appraisal noted the square footage at 1538 sq ft whereas the actual square footage is 1495 sq ft, this difference at the cost per sq ft equals approximately a {$13000.00} increase in value compared to the correct square footage of 1495. The most recent refi attempt was halted due to it accurately being appraised as a two bedroom with 1495 sq ft and thus a lower value. XXXX County Accessor documents reveal a floor plan with 2 bedrooms and an addition of a 'sewing room ' ( built in XX/XX/XXXX ). The VP at FirstCal has verbally acknowledged to my father that it appears to be a 2 bedroom, but also noted that they have no responsibility as I am not a current client ( they sold my loan ) and that the appraisal matches tax records ( bedrooms - yes, square footage - no ). They did not review the provided material during the first loan process and at this time refuse to aid in resolution other than offering to refi at a higher than market interest rate. <P/>I 've attempted to work with FirstCal and XXXX XXXX. On XX/XX/XXXX the FirstCal compliance ( XXXX XXXX ) office noted in a letter that they would issue a ruling within 30 days. During those 30 days, I 've talked to a VP ( XXXX XXXX ) and the President ( XXXX XXXX ) of FirstCal. I 've never received a formal response as promised. Their approach was to refi the home at a higher than market interest rate and the VP assured me that the home would appraise as a 3 bed. This response also seemed fraudulent in nature as he is making assurances without seeing the property and after verbally acknowledging that the floor plan clearly shows a 2-bed home. The floor plans that they have seen from the county accesor clearly show 2-bed with an addition built 16 years ago that is classified a 'sewing room '.
Consumer complaint received 2024-05-17
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. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My complaint is against Bank of America, as a remodeling business we did a roof for a customer on XX/XX/year>. Due to issues close to the roof but not related the customer after spending a few weeks trying to get us to pay for the unrelated issues decided they would have there credit card company visa take the entire money back paid for the roof from my acct. The amount included all the labor and material paid out. The worst part is that we were never notified that this was happening until one morning reviewing the acct I noticed that the acct was negative {$17000.00} dollars roughly. To which we soon realized what had happened. This took place back in early XXXX and till this day there has been no clarity as to where I stand with the acct other then the bank closing the acct, we dont know if the customer actually got the money back or not and or if I am going to be expected to do what! The money was frozen without consent or prior authorization. It was simply just done. As a result my wife has a savings acct that at the time my name was on as well that the bank proceeded to freeze as well. Since then my name was removed from the acct but as on now my wife has not been able to access the funds. Can someone please help us, its been a few months that weve called Bank of America in regards to the issues to no avail. The calls consist of our call getting transferred from one department to another and anyone giving us a straight answer or who in reality can help us resolve the matter. Thank you!
Consumer complaint received 2015-08-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Boich Law Offices (OH)

XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX, phone XXXX, has been sending me notification of a debt, but absolutely no details on the original account or the proof of claim. The Agency listed is the Department of Taxation. I contacted them and they said that I have no outstanding debts. I have refunds on all of my tax returns for the past ten years. If I owed anything, they would have seized my refund. 
Bloich representatives continue to call despite my request for all communication in writing. So far they have refused to send me the documentation with a copy of the original debt and the legal documents that verify Bloich 's ownership of the debt. I can not audit a debts and verify its legality based on " Principal ... .Interest ... Amount Owed. '' I sent three requests to the Ohio Attorney General 's Office and they provided no information on XXXX XXXX 's claim. I do have zombie debts from a 16 year old chapter XXXX bankruptcy.
Consumer complaint received 2024-08-26
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: Fidelity National Information Services, Inc. (FNIS) (FL)

Received Chex systems .... noticed numerous inquiries... asked Chex system to investigate .... was met with resistance and put burden on me ...... I reiterated that frca clearly states ... .. creditor needs to furnish evidence and Chex systems needs to provide evidence in a timely matter .... with reluctance they agreed but within hours ..... I start receiving negative results.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2023-06-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

In compliance with the dental service 's cancellation policy, My wife cancelled a dental procedure for my son. On XX/XX/2023, the dental practice charged my USAA credit card a deposit of {$510.00}. My son 's dental procedure was scheduled for XXXX, XXXX, 2023 at XXXX XXXX 
My wife questioned the standards of care in my son 's treatment plan, and began checking with other dental practices on how they conducted this same procedure. On XX/XX/2023, she sent the dental practice a notice to cancel the procedure and requested a refund to my USAA credit card in the amount of {$510.00}. The dental practice made excuses as to why they could not reverse the charges. This led to us initiating a credit card dispute for charges ( {$510.00} ) for services that were never received, and were cancelled per the dental practice 's cancellation policy. The dental practice sent me a full refund Check No. XXXX dated XX/XX/2023 in the amount of {$510.00}. I then called USAA as well as sent them a copy of the check via their online credit card dispute website. USAA has declined to reverse the credit card charge of {$510.00} twice. USAA stated, " This concludes our investigation, '' in both of their email messages. Today, I have sent USAA a third letter again, with my evidence of the deposit slip of Check No. XXXX into my checking account, a copy of Check No. XXXX and the XXXX  XXXX XXXX cancelled Check Image of Check No. XXXX. In my latest letter I have asked them for an explanation of their decision, all supporting documentation, and to give me specific descriptions of the evidence that they require. I sent this third letter certified mail, return receipt requested. We may end up hiring an attorney to move forward with our case.
Consumer complaint received 2024-05-17
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. (NE)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-08-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

The info that was sent does not show anywhere on any of the forms the original documents, why my statements for 2 years never came to me, and why my payments are drafting as " cash '', and why my home and land are separate and why PennyMac even has my loan bc it was originally thru Bank XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TN)

I am reporting Alphaeon Credit for predatory business practices and for failing to disclose clear information about their promotional plans. 

In XXXX, I saw a dentist to help treat my XXXX  XXXX who recommended XXXX. My insurance covered only a portion of it, so {$4500.00} was left for me to pay. The dentist opened a line of credit through Alphaeon to finance the procedure. For over 2 years, I have diligently made payments to Alphaeon, reducing my payment down from {$4500.00} with interest to a little over {$1800.00}. 

However, in XX/XX/XXXX, my balance had skyrocketed to over {$4000.00} again! Confused, I contacted Alphaeon to find out if this was a mistake. But it wasn't. Apparently, the " promotional plan '' I had unknowingly been under had ended, and I hadn't paid off the balance in full. Granted, I'd had no idea about this plan. I told the representative such, but all he said was it was in my monthly statements. 

The problem is, I barely read my paper statements! I just pay online, for the most part, and whenever I did open them, it was only to glance at the first page with the amount due and remaining balance, every so often. 

I explained to the representative that they have access to my phone and email, and that they have sent me emails and text messages in the past to inquire about any late payments. Why hadn't they notified me of this promotional plan through text or email, warning that the end of the plan was near and what the consequences are if I don't pay the amount in full by the due date. 

The only answer I received was that I should've read my statements, and that it can't be reversed. 

This is absolutely outrageous and extremely predatory. I worked hard to get that bill down and to think I have to start all over again over something I had no prior knowledge of? Something I wouldn't have even chosen had I known about it? Alphaeon Credit should not be allowed to take advantage of its customers this way, and they should not be allowed to operate with so little transparency.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (NJ)

I'VE ATTACHED AN FTC REPORT FOR FRAUDULENT ACTIVITY ON MY CREDIT REPORT. I HAVE A TON OF INQUIRIES- TOO MANY TO LIST REPORTING AND I DID NOT AUTHORIZE ANY OF THESE AGENCIES LISTED IN MY FTC STATEMENT TO RUN MY CREDIT AND NEED THEM DELETED ASAP. I ALSO HAVE ACCOUNTS FROM AFFIRM REPORTING ON MY CREDIT AS WELL.
Consumer complaint received 2024-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC (OR)

The lender is charging me for insurance despite me showing them proof that I'm carrying my own insurance. I'm not only double paying for home insurance, but the insurance they insist on paying for me is triple the cost of traditional insurance. I've sent in paperwork over and over again for months and the lender is slow to acknowledge, impossible to get ahold of, and their reps are wholly unknowledgeable on dealing with this situation. Every day that passes, I'm burning {$20.00} in excessive insurance costs.
Consumer complaint received 2024-05-17
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. (CO)

I am writing to follow up on my previous correspondence dated XX/XX/2024, regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

CREDIT COLLECTION SERVICE XXXX XXXX XXXX XXXX, MA XXXX XXXX Reference # XXXX NOTICE OF DISPUTE To : CREDIT COLLECTION SERVICE., agents, representatives, & employees I, XXXX XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME WITH VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSIST OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to non-affiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you an accomplice. 

I request that you provide me the Aggravated Value of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESNTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.

THIS IS A WARNING!!! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 


Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-05-18
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. (MI)

You are Still false advertising a sale for XXXX on XX/XX/XXXX that never happened to assist your XXXX XXXX in fraud. You have two of your employees names attached XXXX XXXX and XXXX XXXX as seller. Your client XXXX XXXX has now sure you are aware that he cash XXXX XXXX XXXX XXXX checks in my name into an account at XXXX known as XXXX XXXX XXXX and made police report XXXX handled by detective XXXX XXXX XXXX and conducted a affidavit of forgery on XX/XX/XXXX and are requesting you work with XXXX. XXXX and telecheck. He are using two fake SSN numbers XXXX and XXXX. Also he used an fake lender on an letter from XXXX XXXX XXXX under record id # XXXX XX/XX/XXXX as Michigan homeowners ASSI. 

On XX/XX/XXXX at XXXX spoke to XXXX XXXX XXXX mortgage department XXXX XXXX and he said - a guy name XXXX XXXX is lying saying XXXX XXXX has clear title and is no clear title in the file and using your loan attach to another loan XXXX for XXXX to XXXX XXXX XXXX.
Consumer complaint received 2024-05-17
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. (PA)

Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have attached several documents for your review in regards to my complaint. The following credit reporting agencies are taken advantage of my by reporting several INACCURATE ACCOUNTS and Fraudulent Inquiries on my report. Please see attached.
Consumer complaint received 2024-05-21
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. (IL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.