davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

Cancelled the credit monitoring service from XXXX XXXX  on XX/XX/2021. They continued to charge my credit card for months later. Had to call on multiple occasions to get them to reverse charges. The charges kept coming so I called my credit card company to place a stop payment, which they did and said that it would continue for about 15 months. Timeframe for the stop payment just came to an end and XXXXXXXX XXXX then charges my card over {$200.00} for those 15 months and another {$13.00} for XXXX. I dispute the charges with credit card company and it comes back as a valid charge. I call XXXX XXXX again and the representative says that he sees that I cancelled in XXXX XXXXnd that theres nothing he can do about it. Told me to cancel my card and get a new one.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

On XX/XX/23 I sent Experian a letter updating my personal information. My name, address and employer. Experian reached out & updated my employer & address. My name was NOT updated. I sent in copies of my social security card along with my identification. On XX/XX/23 I reached back out to Experian asking to update my name & there should only be 1 address on my profile. Experian emailed me Stating updated information. I should have 1 name 1 address & 1 employer on my profile. Experian will NOT delete other names/addresses off my report even after me sending in proof
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-05-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc. (CA)

XXXX XXXX of XXXX  I got a loan of the original amount of {$570.00}. I was having difficulties financially and many other areas in life. I was going to pay weekly for about 52 weeks, with the promise if I pay 8-12 weeks Ill be able to payoff the loan with low interest and low amount. 

After about XXXX months, my financial worsened but I was able to make about 9 payments on my loan. During the month of XXXX I wasnt charged for about 3-4 weeks a single payment, also I missed some others. Then I was being charged twice Friday, and new charges started came out on Mondays ( as previous missed payments ). I would be charged duplicates payments Friday then duplicates payments Monday, and then Friday and Monday again. 

When I called to ask for a payoff amount to see if I could end the madness, they told me I had to pay {$1200.00} on top of about {$800.00} I already paid. I only borrowed {$570.00}. And now they are threatening to go to my employer to charge me interest and some other fees for I dont know how long. 
I dont think its legal. But I need help, I cant do it alone.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Recently, I did an investigation on my creditr report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (GA)

Someone signed up for these services falsely. I dont recall signing up for a membership. 

I am writing in response to your letter or phone call dated XX/XX/2024 I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account.

I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate
Consumer complaint received 2024-02-27
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: Freedom Mortgage Company (TX)

In XX/XX/XXXX my payments were on automatic draft for as long as Ive had this loan in XXXX. As of XXXX it was taken off auto pay from bank which caused a delay in payment less than 30 days. They reported to credit bureaus that this was late for 30days which is incorrect payment was made immediately XX/XX/XXXX when I was made aware as payment is due by XX/XX/XXXX each month. I want the late payment removed
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP (MA)

To whom it may concern i initially tried to contact XXXX XXXX XXXX about my debt but i saw that my file had been given to a company called Rausch sturm llp. I called them on XX/XX/2024 when i called they could not locate my file and told me to call back in a few days i followed up with them for a week and kept getting the same message until i finally called one day and they told me my account was locked because they hadn't sent out the letter stating that they owed my debt and said i can check on that for the following few weeks I've called multiple times asking to settle my debt and one time started negotiating with me and i offered them XXXX to close the account and they said it didn't get approved or denied and that they would call me back in a day or two with the result and if it was approved that i would have to pay by the months end which i agreed to. they never called back and in my own follow up they told me they couldn't do anything settlement wise because they hadn't sent the letter yet. I just wanted to figure out why its been taking so long almost a month after our first contact to receive the letter that they have my debt. I called today XX/XX/2024 and was yet again told they could not access it but I was told they acquired a massive amount of client files from another company and was told that its taking along time to get thru them. he did ask if it specifically has been about 30 days since first contact which has led me to believe something was going on given how specific the day count was. I am in the final stages of getting a mortgage and the one hang up is this debt that this company has strung me along with. from the very first phone call I've asked to settle and have been denied. the fact it is taking this long to just send me a letter is causing me great mental anguish and harm not to mention wasting my time calling them of which i have done 17 times between XX/XX/XXXX and todays date XX/XX/XXXX.
Consumer complaint received 2023-04-25
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. (MO)

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to the recent dispute I complaint. In accordance with the Fair Credit Reporting Act section 605b, I am demanding that the following accounts be corrected and updated as soon as possible : XXXX BANK AND XXXX XXXX Balance : {$0.00} - Your record keeping isinadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
XXXX XXXX XXXX XXXX Balance : {$0.00} - The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please fix this immediately. Either provide proof that you haven't reported false information or remove it. 
XXXX XXXX XXXX : {$0.00} - Despite my request for an investigation and the removal of the charge-off status, no action was taken. Not only was no investigation conducted, but you also chose to neglect this matter despite having ample time to address it. I demand that you remove this item immediately, as it is unacceptable to leave it on my record without taking any action.
Consumer complaint received 2023-04-25
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. (MO)

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to the recent dispute I complaint. In accordance with the Fair Credit Reporting Act section 605b, I am demanding that the following accounts be corrected and updated as soon as possible : XXXX BANK AND XXXX XXXX Balance : {$0.00} - Your record keeping isinadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
XXXX XXXX XXXX XXXX Balance : {$0.00} - The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please fix this immediately. Either provide proof that you haven't reported false information or remove it. 
XXXX XXXX XXXX : {$0.00} - Despite my request for an investigation and the removal of the charge-off status, no action was taken. Not only was no investigation conducted, but you also chose to neglect this matter despite having ample time to address it. I demand that you remove this item immediately, as it is unacceptable to leave it on my record without taking any action.
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

On XX/XX/XXXX i rec 'd an email about payment change. The index is incorrect ( should be XXXX ) which impacts rate. On same letter it shows {$820.00} due for taxes and insruance but I already paid in full XXXX to cover said escrow shortage so that amount should be reduced by {$140.00}. I called the company on XX/XX/XXXX and again on XXXX about both issues and have not rec 'd anything correctly this.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After carefully reviewing my credit report, I found several violations of the Fair Credit Reporting Act. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are considered to be a transaction. 15 U.S. Code 1666b - Timing of payments section ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given the option to opt out of having late payments post to my report. I currently show late payments of the following accounts : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I have made serval attempts to try to get this matter resolved. Further violation of my rights will result in legal actions. I also have a right to privacy.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

On XXXX XXXX XXXX I spoke to XXXX and her trainer since she was in training. They both stated I would get PSLF credit for the admin forbearance. Currently XXXX shows as ineligible. In the MOHELA website it stated XXXX is eligible. Go figure, MOHELA counts my XXXX as ineligible. I have placed 2 other complaints about MOHELAs failure to update my counts. A month or so later the complaint gets addressed. Why do I need to file a monthly complaint to have my counts updated? Why is MOHELA not held accountable for their failures?
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

In 2016 XXXX parent companies XXXX who went out of business and XXXX placed XXXX fraudelent accounts with a collection agency in 2016 to LVNV Funding LLC XXXX XXXX, NV. I disputed and bureaus removed it years later same agency has placed back on my reports causing damage to my credit where I can not obtain housing due to chargeoffs. I refuse to pay for what I did not receive. ID theft. Now the above has sold debt to another collection agency by name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ref # XXXX stating {$1000.00} owed It is a battle with them an ID theft report was filed years ago they still ignore the law
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CO)

In early 2022 ( 2 years ago ) I had a wallet stolen with cards and IDs. I called up a company in XXXX, XXXX, XXXX, and XXXX to not only cancel the card, but also close out of my account completely since the company has awful customer service and support. The company ( XXXX ) did not cancel the stolen card, nor close my account. There inaction led to stolen identity and fraudulent charges on my card. For many more months through XXXX, XXXX, XXXX, XXXX of 2022 I continued to contact the company, and eventually their legal director told me that all the charges were reversed, the card and account was closed with no balance due. However, this was also a lie as charges continued to be made on the card. They now refuse to answer any calls or emails with my continued request to remove the account from my credit report since it was due to fraud. The next step I have taken involves CFPB, FTC, Federal Reserve, and other state and federal banking and financial regulators. They have reviewed the evidence and came to the clear conclusion that this was identity theft. 
I have provided all of this to Experian over the last year or more, via online report disputes and formal complaints, since this is a violation of the FCRA. They need to remove the account that was the result of fraud and identity theft according to that federal regulation, and have failed to do so.
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. ()

Sorry I am contacting you again but I have a huge problem with XXXX XXXX I have spoken to XXXX and XXXXXXXX XXXX  and they tell me that they only keep records for XXXX XXXX I have spoken to several people who say this is not correct banks move these items into a vault I need your personal response and assistance I am a poor pensioner and this money would help me and is a result of my XXXX passing away on XXXX XX/XX/year> the account number is XXXX XXXX and I found XXXX deposits XXXX {$3700.00} and {$3000.00} all paid into XXXX XXXX XXXX  surely the story they have given me can not be correct banks hold records for many years and what can you do to help me?
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC (CA)

I experienced extenuating circumstances which caused my account to incur late payments due to a closed bank account link to the account. I attempted to remedy the situation and the company closed the account. I reached out to the company to request my account be opened and the request was denied.
Consumer complaint received 2024-05-14
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) (AZ)

I have XXXX inquiries on my ChexSystems for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't recognize this company.
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IN)

I purchased a house in XXXX XXXX, NC in XX/XX/2001, when purchased it was not in a flood zone and did not require flood insurance. This year Wells Fargo informed me that FEMA had changed the classification of the zone and I was required to buy Flood Insurance. I argued with them but finally paid {$500.00} for Flood Insurance. 

Wells Fargo proceeded to buy insurance on top of the insurance I purchased and charged my escrow account {$1100.00}. I called and discussed the matter with XXXX on several occasions and their response was for me to have my property rezoned by FEMA. I opened a case with FEMA ( Amendment Project is Created with Project Number = XXXX ) and have not had a response yet. 

In the 18 years I've owned the house I have never had a flood. Recently Hurricane Florence made a direct hit on our house and caused the worse flooding in NC history, but we had NO flood whatsoever. Which indicates to me we are not in a flood zone and I never needed to purchase flood insurance and Wells Fargo had no right to charge me {$1100.00} extra. 

Now I want to pay off my mortgage but see they have added {$1100.00} to my payoff, I have made numerous calls and written letters to no avail. I just spent one hour and nine minutes on the phone with Wells Fargo only to be hung up on. Their only response so far is there is nothing they can do because FEMA changed my rating and I have to have it re-rated. But who knows how long that may take and they say nothing about dropping the {$1100.00} they indiscriminately charged my account.
Consumer complaint received 2018-11-08
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. (CA)

XXXX XXXX/XXXX account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$520.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with Experian, XXXX XXXX, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

Disputed an account that I didnt open on my report they not only said it was verified but reopened it! LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XX/XX/XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.