davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
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)

I am writing this message because I have disaster in my credit report. I have accounts that are not mine so I do not know how they appeared there however they are not mine. It's IDENTITY THEFT and I beg you to delete them because its not fair that I have damaged score because of identity theft.
Consumer complaint received 2023-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I reach out to Experian XXXX and XXXX XX/XX/2023 and XX/XX/2023 about accounts and collection I had no acknowledge of. I first dispute online and the report came back accurate. So I called the credit bureau to reopen the investigation and explain that the company in question didnt notify me of the debt and wasnt returning my call. I asked for the Investigation to reopen and mail me any proof of signature original contract or anything they had on file that shows me Im responsible for the debt. After about 15 days debt came back verify again through email but never mailed me a updated credit report or the proof that shows Im responsible for the debt. 

The debt in question is XXXX XXXX XXXX XXXX is {$6.00}, XXXX XXXX XXXX XXXX The amount is {$530.00} XXXX  XXXX XXXX Amount {$420.00} All dispute was updated again on XX/XX/2023 and doesnt give me the option to dispute again
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (NY)

I was never late on the paid off account as listen above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my report please. The FCRA allows 30 days for this matter to be rectified. 

XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2020-12-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NY)

credence resource management sent a letter to me stating I owed THEM money. after sending CRM a validation notice for them to prove i owe this alleged debt on or about XX/XX/2020 certified return receipt requested. by U.S.P.S I was ignored, now they won't stop calling me and my wife 's phone number and my computer phone number. I have saved all the calls from them and asked them repeatedly to stop calling. the harrasment continues on a daily basis.
Consumer complaint received 2023-05-21
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. (MI)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (TX)

I have called 5 times I have disputed the address that they reporting on my account is not correct I have verified my identity with Experian I have provided documents with my correct and current address from XX/XX/2023 as of today they still refuses to update my address I have provided current bills current lease agreement but still they want update my information
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX I upgraded my Hilton Honors American Express credit care to to Hilton Honors Aspire card. The terms of the offer were that the first year of membership would be a cost of XXXX XXXX XXXX XXXX dollars and the second year of membership would be a cost of XXXX ( XXXX XXXX dollars to be pro-rated from the date I upgraded to the date I first acquired the Hilton Honors American Express credit card. I received a letter that the annual charge of XXXX XXXX XXXX XXXX XXXX XXXX dollars is due on XX/XX/XXXX. A call to American Express informed me that this offer was a technical mistake and they are not going to honor the terms of the offer ( described above ).
Consumer complaint received 2020-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

Mr. Cooper is not accurately reporting payments, payments amounts, escrow increases, and true account activity. 

I have had Mr. Cooper as my mortgage servicer since XXXX when they were Nationstar. There have always been issues with how payments and payment increases have been processed. The heightened issue is when I went into the COVID pandemic relief plan that was offered for up to a 12 month relief period. I took this plan in XXXX after permanently losing my job in XXXX due to the pandemic. Up until XXXX I was able to swing my regular monthly payments with some stimulus help. When I extended the COVID plan until XX/XX/XXXX this is where the real problems started. I was blocked from all activity on my account. Electronic payments were claimed not received or posted although they cleared my bank accounts. Once I could view things payments were not accurately receipted and the entire history of the account had been monkeyed with noting substantial historical unapplied funds. My payment had also been increased. Prior to COVID any additional payments I made we designated to principal. 

My account is now flagged as a MODIFICATION and I did not review or agree to any MODIFICATION with the exception of the COVID relief program that Mr. Cooper approved until XX/XX/XXXX XXXX the nine month mark ). Mr. Cooper stated even though I was told I would be allowed up to 12 months of COVID protection that they were ending it at 9 months. Mr. Cooper refuses to receipt payments accurately, and dodges increased escrow inquiries. I never received notification of this increase in writing or otherwise prior to the increase already being implemented. 

I was sent a notification 9 days ago where nothing was actually posted about some communication regarding modification. I have not reviewed or agreed to any MODIFICATION with the exception of the COVID relief plan. 

Mr. Cooper has several class action lawsuits out there citing the same experiences.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Have had difficulty for the last 5 days in trying to access and reset my Experian password. The system does not seem to recognize my phone number and I have tried to call Experian Customer Service phone number but can never get someone to answer the phone. Can you assign an Experian executive rep to handle this complaint and address my concerns to get into my Experian account?
Consumer complaint received 2020-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX an account from Portfolio Recovery was reported to my credit profile. Available data shows the last date this account was reported was on was XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has expired. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Consumer complaint received 2023-01-26
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. (FL)

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2019, I bought a tank of gas from a gas station in XXXX, XXXX XXXX XXXX with an XX/XX/XXXXXXXX credit card underwritten by Bank of America. I understood the correct charge to be USD XXXX but my credit card was charged USD XXXX, 100 times the correct charge for a tank of gas. I reported the fraudulent charge to Bank of America. They delayed processing my fraud claim, switching the claim to a billing dispute months after I had reported the fraud, and then proceeded to rescind the charge and reapply the charge multiple times. I have spent hours on the phone and spoken to 11+ fraud and billing dispute representatives to no avail. I have refused to pay this fraudulent charge and so of course my credit score has been decimated, going from excellent to poor. I need assistance.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I can not dispute anything on Experian online the system continues to give me error messages. I sent legal documentation of my name change and none of credit bureaus updated it correctly or accurately. I can not access XXXX at ALL. 

I was a XXXX  XXXX relationship last year. Financially burdened by debt due to XXXX  XXXX. 

I am trying to dispute XXXX XXXX but the system will not let me for the amount of {$860.00} My legal name change wiped out my credit report along with the XXXX  XXXX. 

I am trying to relocate and denied housing due to my credit report. 

Experian and XXXX both did not update my legal name in their system. It should have me listed as XXXX XXXX ( XXXX XXXX XXXX )
Consumer complaint received 2023-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

In XX/XX/XXXX I applied for PSLF for discharge of XXXX of loans. The application sat until MOHELA picked up until XX/XX/XXXX. I submitted 19 years of employment as a XXXX. The application was returned for a wet signature in XXXX but turned around in 1 day back to MOHELA where it sat until XX/XX/XXXX. No action took place to payment tracker no payment counts entered. After a complaint a tracker was added at the end of XX/XX/XXXX. The tracker sat on XXXX payments for 90 more days and was updated to XX/XX/XXXX payments in XX/XX/XXXX. EI talked to multiple representatives during the process all who had no idea what was happening promising I would surely have discharged loams by XX/XX/XXXX each time I was saying I am retiring in XX/XX/XXXX. In XXXX and XX/XX/XXXX I asked why my loans were only being eligible from XXXX when PSLF goes back to XXXX. Nothing happened in XXXX I called back XX/XX/XXXX asked the same question asking for an answer as XX/XX/XXXX retirement was approaching. I was told the rep could see my request from XX/XX/XXXX but it was canceled since it wasn't the right request and no notification to me. The rep put in a new request with a case number of XXXX. As of XX/XX/XXXX no communication and onw MOHELA out to retire, MOHELA has had months to get my loans forgiven and are causing harm to me as I am now retiring without the loans being forgiven. I have spent endless hours on the phone with multiple reps with multiple answers with misinformation. I need immediate help as this is the last week I have an eligible employer. I reached out to US Department of Ed XX/XX/XXXX no response yet. I am XXXX XXXX XXXX and widowed. MOHELA has had more than adequate time to discharge the loans and this is a due process issue.
Consumer complaint received 2020-12-20
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. (GA)

Equifax did not investigate an account on my credit profile for XXXX XXXX XXXX XXXX this is nt my account and I have never had an account with them.
Consumer complaint received 2019-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

My loan was bought by Lakeview loan servicing. The company found out I was unemployed and told me I would qualify for a program to help if necessary. They never told me I would not be able to make payments during the approval process. I have applied about 6 times since early this year. They have times out the process everytime because every single time, they asked for more and more info, being completely different everytime. It has been impossible to get everything they ask for, different things everytime through the process, and after 30 days they time it out, and make me reapply each time. I never would have taken this advice from Lakeview if I knew this could happen, and now the house is in foreclosure. I have been lied to and told different info from every single person I talked to thru Loss Mitigation. I can nit lose my house, and would have no where else to move to. I've been trying to make payments every month, which was denied. I will appreciate any and all help to resolve this. I never imagined I could be lied to so many times by my loan company to take my house away. I was told by a title company how many people have been scammed by Lakeview, and to now immediately put kn a  complaint to receive help through your agency. Thank you.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I did not give authorization for Amerisave Mortgage to submit my financial information for a loan or refinance. I got notice that I was denied for something I did not apply. This is an unsolicited inquiry on my credit
Consumer complaint received 2023-01-26
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. (FL)

This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Senex Services Corp. (OH)

I have always been covered by XXXX XXXX XXXX   XXXX. The bill should have been billed to XXXX  instead of me. Ive called the company to try and get proper involve on how to get the bill to them and they have been unhelpful
Consumer complaint received 2021-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

I have attempted to dispute my charged-off XXXX XXXX XXXX credit card account ( account number begins with XXXX and ends with XXXX ), as this account is now paid in full with a XXXX  dollar balance, as of XX/XX/2021. The credit bureaus dispute website will not allow me to file a dispute for this account and it gives no such reason why Im unable to file a dispute for the XXXX XXXX account, so that the account is updated on my credit file to reflect paid in full and a XXXX dollar balance. I have tried to upload supporting documentation to the credit bureau, but I receive no acknowledgment that its been received or that its being processed as a means to substantiate that this particular debt is paid in full with a XXXX  dollar balance as of XX/XX/2021.
Consumer complaint received 2024-04-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (DE)

This is my third complain, because they pay XXXX XXXX XXXX company in full with out any question or document, photo, that the work was done in good faith., Goodleap LLC deal with other solar company in know how to process the work before payment is made to the solar company when the work is complete, how did Orbit Energy get by with out giving Goodleap LLC all paper work and got pay in full in Goodleap LLC do not know the cost of my solar panel system? an cost of roof, iam paying to much for what i have on my roof were the guideline follow by Orbit Energy for the cost of my solar system in XX/XX/year>? there alot of question that Goodleap LLC can did answer, but want me to answer those question an feel good about, in contiue to pay on the loan and made repair as well,
Consumer complaint received 2023-01-26
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: Credit Karma (NY)

Rate genius, emailed my account # on XX/XX/2023 and never received an email response back. I emailed to clarify why I received these emails and never received a response back. 

XXXXXXXX XXXX, emailed about inquiry as well and did not receive any feedback. I was not about to distinguish the other two hard inquirys to find where to reach out to It was shown per Credit Karma these would be soft inquiry pulls, not hard inquiry pulls when inputting salary information.