davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine and an account that was never late. I sent a dispute letter in regards to EXPERIAN, XXXX, and XXXX  on XXXX and XXXX asking that they be removed. Please note response should have been provided by XX/XX/2021. I have not received report and EXPERIANXXXX XXXX  and XXXX  are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

I disputed with Experian and XXXXthat i have old accounts from that should have been dropped off and hasnt been dropped off Also i disputed an account from XXXX XXXX XXXX and XXXX that are not mine a mortgage/ car loan that are not old accounts past 7yrsThey deleted some of them and then reposted them. 

Medical have been disputed also
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

My mortgage is held and managed by Freedom Mortgage Company who has mismanaged my PMI account with XXXX XXXX. My loan terms set PMI at XXXX a month. Freedom Mortgage took my loan over in XXXX of XXXX. My first payment was due in XXXX of XXXX. Freedom Mortgage paid my PMI of XXXX in XXXX of XXXX, then did not pay again until XXXX of XXXX. Then XXXX and XXXX PMI of XXXX was paid for each month. Then in XXXX of XXXX, Freedom Mortgage paid XXXX out of escrow toward PMI. Since only XXXX and XXXX of XXXX PMI was missed, they refunded my escrow account XXXX. Then in XXXX Freedom Mortgage took another XXXX out of escrow toward PMI and nothing in XXXX of XXXX. On XX/XX/XXXX, Freedom Mortgage took another XXXX for PMI and another XXXX for PMI on XX/XX/XXXX. That said my PMI should be paid through XXXX of XXXX ; however, their team is providing misleading information about my PMI payments and how much they have taken. Freedom Mortgage also provided escrow statement with inaccurate information that does not mirror my statement or payment history. Their team members on the phone have acknowledged that they took too much out in advance for PMI, which made my escrow account appear too low, causing my monthly payments to increase, but now loan is being sold, so they aren't sure anything may be done. This has been an ongoing battle since XXXX of XXXX and I would like either of the following to occur, PMI statement showing paid through XXXX of XXXX or refund to escrow account for XXXX. PMI XXXX XXXX said I am paid through XXXX of XXXX, but Freedom Mortgage says all PMI checks have been issued and they can not void to refund escrow, nor are they sure that they can put it in writing to new loan servicer that PMI is paid through XXXX. I need help, they have had me speak to countless employees, sent numerous emails, waited on hold extended periods resulting in average call duration of an hour with every attempt to seek a resolution, all to get no where. They have stolen money and I need your help to get it back or obtain proof PMI is paid and not due until XXXX of XXXX. XXXX XXXX who hold PMI certificate says their agreement is with Freedom Mortgage so they can't provide me with documents to reconcile XXXX or XXXX PMI payments. As a consumer, with rights and protection, I need documentation from both parties to get this matter resolved and my escrow account corrected.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (PA)

I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Due to covid-19 I requested mortgage assistance back in XX/XX/XXXX, which Citizens One submitted me a loan modification application to apply for help, which I submitted a Mortgage Assistance Application and was confirm received as of XX/XX/XXXX. Was identified that it would take 30-45 days. In the mean time I was place on a Forbearance to avoid being late on my credit. I was following up with my mortgage company to make a least 1 mortgage payment and to inquire on the update on the modification packet. So I waited for months and each month I was identified that its under review, I was also identified to in XX/XX/XXXX that a deferment was an option, however, I identified that a deferment would not help because the reduction in my income. I shared multiple times that I need to be review for a modification and that again not for a deferment. However, Citizens One ends up offering me a deferment and said I was denied for a streamline modification because my account needed to be 90 days past due and that they did not review my file for a traditional modification, the packet they received in XX/XX/XXXX was never reviewed and if I need help with a loan modification I have to re-apply. Even though my original packet was never reviewed. The company appears to be using a " Bait and Switch '' tactic, because I asked for a loan modification review, submitted an application and they switched it for a deferment, this appears to be a tactic to stall and delay my account for me to go further past due in order for them to foreclose on my home and take it from me, I have been patient due to covid. Now the only way they are willing to help is by demanding another loan modification application, which is unnecessary since they never review me from the start with the original application.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (OH)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I had loan modification done about 10 years ago with Ocwen/PHH. The loan modification which was supposed to account for the equity already built in from my previous lender was never accounted for in my new loan, and my daughter is just now bringing it to my attention. 

Ocwen/PHH instead is attempting to say that I still owe the entire original purchase principal, which will become due at the end of my mortgage as a balloon payment. 

I originally purchased the house for {$150000.00} in 1998, and yet to this day they say I still owe {$150000.00} dollars on my mortgage. My interest rate is at 3.5 % ... .and yet I was told that my mortgage payments over the past decade have been going to pay the home insurance they picked. Out of the {$1200.00} month payments I pay only {$75.00} go towards the mortgage .... 
This would have continued going unnoticed if my daughter had not flagged the fact that my mortgage balance on my credit report never changes and reflects that I have paid 0 % of the balance. Ive lived in and paid my mortgage for this home since 1998. I have never borrowed against my equity. This is fraudulent misconduct, and this company in no way shape or form is interested in fixing the problem unless they are forced to through legal action. 

I will have to find an attorney to help me with this. 

I would warn anyone to not take a mortgage with this company. All their customer support is based in XXXX, which adds to the feeling that this company has no interest in providing quality customer service. 

I highly recommend that this company be audited. 


Account info as reflected in their system : Current Equity : {$280000.00} Outstanding Balance ( not payoff amount ) {$150000.00} Principal Balance ( interest bearing ) {$35000.00} Deferred Balance ( non-interest bearing ) {$120000.00} Current Interest Rate 3.5000 % Stay away from this company at all costs.
Consumer complaint received 2021-04-23
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: DISCOVER BANK (AR)

I have call XXXX, XXXX  and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from XXXX hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care
Consumer complaint received 2021-04-22
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 — Problem with personal statement of dispute
Company: CURO Intermediate Holdings (CA)

My vehicle was vandalized, my insurance company started working on the claim, and then suddenly I lost all contact with them, I wasnt getting any response from them for weeks, the next thing I hear is that my car is repossessed and that the insurance claim is denied. I am notified that it is my responsibility to bring my insurance company information or evidence proving the guilt of someone other than myself in order for them to go forward with the claim ... the police tell me to stay away from the person who did the vandalism due to a history of violently attacking my property and the assault arrest he had on him due to breaking into my house and attacking me. But I get notified that my finance company is now brought the balance to collections and it is ruining my credit, I am homeless already and can not afford to pay for something I did not do. So I go investigate the matter, I go back to the apartment complex and I go door to door asking everyone if they remember seeing anything, I find a witness who remembers everything perfectly and I tell my insurance company FINALLY I found the evidence that they so relentlessly needed, and after months of being told I need to do something in order for my insurance to take action and then accomplishing that task only to be told I need to do more, to finally find enough evidence, bring it to them, and now have them tell me, that even though I was insured by them at the time of the vandalism, because the vehicle is now repossessed and in the possession of the Lien holder I do not have the right to file a claim and it would be the responsibility of the lien holder to file a claim if they so chose.
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NJ)

On XX/XX/XXXX, I receive a call from my banks number from the Fraud department. I was told that my account had been compromised and they had me reset everything. The number was in fact my banks number but it was spoofed. The person, XXXX XXXX transferred XXXX to their account with XXXX XXXX. I immediately reached out to my bank to see inquire about what happened. They told me it was a scam and the associate was not helped and refused to stop the ACH. I have been trying to get this money bank and the bank has not been helpful. They initially refused to close the account or even issue a new card. I had to beg them to do so.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERISAVE MORTGAGE CORPORATION (OK)

On XX/XX/XXXX AmeriSave mortgage pulled a soft credit report on me without my consent. I called and confronted AmeriSave about this. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX she said '' The XXXX XXXX contacted them and told them I wanted to refinance. I requested for refinance in XX/XX/XXXX. AmeriSave did a soft pull of my credit on XX/XX/XXXX I was denied because of my low credit score. I did not give The XXXX XXXX or AmeriSave permission this year to pull my credit. Yet, on XX/XX/XXXX AmeriSave did a soft pull on my credit. AmeriSave and XXXX XXXX XXXX receive an equity loan check on my house in the amount of {$38000.00} someone forged my name and my wife 's name on the check. The XXXX XXXX applied to the principal or so they allege.
Consumer complaint received 2023-06-29
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. (CA)

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


Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (LA)

I settled a debt/collections directly with XXXX XXXX that was sent to Sequium asset solutions on We've received your payment, thanks. 




Payment Amount : {$680.00} Payment Date : XX/XX/2020 Payment Method : MasterCard ending in XXXX Account Number : XXXX and was told it would be updated and permanently removed from my credit report Sequium is still reporting inaccurate information.
Consumer complaint received 2021-04-22
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)

I HAVE ATTEMPTED ON SEVERAL OCCASIONS, TO REMOVE THE FOLLOWING ACCOUNT, WHICH IS CURRENTLY REPORTING NEGATIVELY ON MY CREDIT REPORT : XXXX ( XXXX ). THIS ACCOUNT DOES NOT BELONG TO ME, I CAN NOT EXPRESS THE AMOUNT OF CONCERN I HAVE AS TO WHY EQUIFAX HAS NOT BEEN ABLE TO REMOVE THE ACCOUNT OFF OF MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO CORRECT THE ERROR WHICH HAS CAUSED THE HEALTH OF MY CREDIT SCORES TO OVERALL DETERIORATE. PLEASE ASSIST ME WITH THIS MATTER, AND REMOVE THE ACCOUNT COMPLETE. I'D GREATLY APPRECIATE IT.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

I have a Guitar Center store card that is financed through Synchrony Bank. My account is in good standing and I have been making payments regularly for many years. Due to covid and my loss of work my credit score has degreased and Synchony bank decided to close my account because of my low credit score even though I have good history with them.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting several debts on my credit file on my account as well as my wife 's and I would like them removed. I have settled these debts with you and ask that you please remove these accounts from my credit file. As granted by the Fair Debt Collection Practices Act, I have the right to dispute this account. 
I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I have settled the debt with you and am now asking for you to provide a letter to the bureaus stating this account should be removed from my credit file. 
Please provide a letter from your company agreeing to the terms. This letter should be signed by an authorized agent of Express Recovery. If I do not receive a deletion letter in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under to the law to enforce the removal, including but not limited to institution of legal proceedings against you.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these accounts were 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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-22
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Monterey Financial Services LLC (NC)

Monterey financial loan issue on XX/XX/2021 XXXX XXXX XXXX XXXX contacted me. I was told that I was approved for a loan without knowing how much the loan was for. 
I tried to contact agent and loan company to stop any miscommunication pertaining to a loan that I didn't sign for. 
I do not want a school loan ... especially from any school that engages in deceptive, high pressured, manipulative tactics to recruit students in this way.