davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Our home loan with XXXX was sold to Mr.Cooper without our knowledge or notification. We only found out when we realized (yesterday, XX/XX/19) our automatic bi-weekly payment was not taken out of our checking account. I've tried to set up the automatic payment on Mr. Cooper's website and apparently can't set it up to do bi-weekly payments. I'm unable to get help because they don't take calls over the weekend. We are wasting our time dealing with this. We didn't ask for this and want to file a complaint.
Consumer complaint received 2024-02-20
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. (NJ)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OK)

I was looking to refinance my mortgage and used multiple refinance aggregators to determine which companies could offer the best rates based on my criteria. To receive rates you qualify for, you are required to enter zip code, credit score, property value, existing loan value, loan term, property type, property use, military/veteran status, mortgage points and amount of cash out you would like.

Based on these criteria, Amerisave consistently ranked as the top choice. On XX/XX/XXXX, it offered a rate of 2.50 % with 0 mortgage points and estimated fees of {$150.00} ( screenshot included ). After clicking through and entering the same information on their website I was preapproved for a 2.00 % interest rate which I assumed included mortgage points. I was called by a loan officer who obtained sensitive personal information to enter into a formal application. After an hour on the phone with her, she offered a XXXX point mortgage rate of 2.75 %, XXXX higher than what was advertised based on the same information. She explained that the 2.50 % rate probably included points XXXX it did not as shown on the screenshot ). I hung up having wasted my time. 

The next day, XX/XX/XXXX, the loan officer emailed that rates had fallen from yesterday and that I could receive a 2.625 % rate with 0 mortgage points. I ran the same calculator and Amerisave popped up again as the top lender on the advertisement with a 2.50 % rate under the same criteria. I then sent screenshots to the loan officer asking why they continued to advertise a lower rate based on my criteria. She first responded that I had entered the loan amount too low. This was incorrect, and I sent her a separate screenshot increasing the loan amount even higher to show I still received a 2.50 % rate. 

Today, on XX/XX/XXXX she said she ran my criteria on the same website and it resulted in a 2.625 % interest rate as discussed. I did the same thing and it did indeed now show a 2.625 % interest rate. My question to her was why her company had advertised a lower rate for the two previous days only to waste my time for an hour plus, gathering sensitive personal information which is now in the hands of multiple third parties as I have continued to receive countless calls and emails with refi offers now.

This appears to be deceptive advertising meant to generate traffic to their site only to offer a separate rate once all information has been collected. My credit score is XXXX, with an LTV of 35 % on the home. Absolutely nothing gathered after receiving my personal data should have changed the rate advertised from 2.50 % to 2.75 %. In my mind, this is deceptive advertising and an abusive tactic towards consumers of this product.
Consumer complaint received 2021-12-31
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. (CA)

I have been a victim of identity theft for about 5 years now, my information was leaked during the XXXX breach. I have disputed the items that are fraudulent on my credit report 3 times with all 3 bureaus and they all do the same thing. They open a dispute and close it within a DAY! Sometimes its closed within the hour! They DO NOT INVESTIGATE! Investigations take time and require a human being look over the evidence, which has never happened in my case. I have sent in the identity theft reports, police reports, and recently their were 2 individuals arrested with my stolen information and items. I sent them this evidence as well and it has gone unrecognized. Its beyond frustrating! The items that need deleted from my report that have DESTROYED MY GOOD CREDIT, are XXXX, XXXX XXXX XXXX and XXXX. I will upload all the evidence on this complaint.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (TN)

Contacted Village Capital last XXXX to have them fix errors with their reporting of this account. They never fixed it and as a result, I was unable to purchase a home due to their failures. 

15 USC 1681 s-2 says you Village Capitol are a furnisher of information to a consumer reporting agency. You are PROHIBITED BY LAW to furnish inaccurate information.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 I filed for my XXXX and was granted benefits. Shortly after I became employed and was getting paid every week. I forgot about the XXXX claim due to my focus on work. 
Around XXXX time my family was talking. About XXXX fraud and I remembered that I had never received my card so I asked my landlord for any mail if any that he may have still been retaining. He said no and therefore I called bofa bank of America to see what was the status on my account. I learned that my XXXX had been activated and drained of all my benefits. And not only that but they were certifying for future benefits.. I put a stop to the card and I filed a. Claim for fraud they asked me to file a police report and so I did They denied my claim. And I gave up on ever seeing the money I couldn't worry about a maybe as far as income goes so I just focused in work
Consumer complaint received 2021-07-28
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)

In XXXX I sent an letter into Equifax stating I never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. On XX/XX/2021 they removed 1 account & removed another on XX/XX/2021from my consumer report. Today on XX/XX/2021 they have placed both of those accounts back onto my consumer report.
Consumer complaint received 2021-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-12-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (NY)

XXXX Applied for loan via online website. Loan was approved with the following terms : Amount financed- {$4500.00} Term- 36 months APR- XXXX XXXX was to be automatically debited from my account each month. So at the end of the 36 month term I would have paid a few dollars shy of {$6000.00}. This would be about at extra {$1700.00} ( since the origination fees brought my actual deposit amount down to {$4200.00} ). 

( I have attached screenshots of all the above terms ). 

XXXX AFTER I received my approval and the money was deposited. I was given the opportunity to look at my account ( this option is not available before the money is deposited ) It is then that I see there will a DAILY accrual interest rate of {$2.00}. Which would meant at the end of the loan I would have paid an extra {$2600.00}. I was never made privy to this. 

XXXX I called a XXXX rep who transferred me to the verification office. 
I have documented a verification rep saying I dont even see a daily accrual as per of your terms so she transferred me back to someone who works in approvals who proceeded to incorrectly explain how math works. 

When I told him to crunch the numbers and see for himself, he at first said my loan is 23.4 % ( incorrect ) I asked him was the interest rate increased in the 48 hours from loan origination to deposit, because that was not on any of the documentation I have. 

He then admitted I was correct as far as the APR but had no answer as to why it was higher. 

He transferred me to another rep, I explained the situation to her and she said to hold so she could consult her superior, she came back on the line and I asked what would be done, she then immediately disconnected the call.
Consumer complaint received 2023-01-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

I had received multiple phone callls from a debt collector that I had no knowledge of after I said I didnt own a vehicle and that I was not going to pay the debt collector because my auto loan account was sold or given to another company/debt collection agency the gentleman then said Ill go ahead and make sure your credit and your life is put under fraud and then proceeded to say I will also get you deported because he was a fbi agent then he hung up the phone and all my information was then hacked
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Herbert P. Sears Co., Inc. (PA)

I have reached out to this company in which they have assured me that they no longer have this account. I have paid the original creditor in full, therefor the following account is not owed. 

HP Sears. Account # XXXX
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (NY)

I applied for this credit card and was approved. I was told it would take 7-10 business days to arrive in the mail. After that time had passed, I never received the card in the mail. I logged into the site to ser if I could get a statis on when I would receive the card. Upon logging in, there was a balance. It showed that there was a transaction made the first week of XXXX at XXXX XXXX XXXX. I never received the card, therefore I did not make this purchase. I spoke to a manager at this company and they stated I am responsible for the transaction. I do not understand how they can tell me I am responsible for a transaction on a card that I have never received. It is affecting my credit report and is extremely unfair. I have been in contact with XXXX, and they have already removef it from my credit report. I am having issues with the credit card company, XXXX, and XXXX. Please advise.
Consumer complaint received 2021-07-28
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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (MD)

Ally Auto Financial sent to the credit bureau that I was delinquent {$0.00}. This made my credit score go down 44 points. On XX/XX/XXXX a woman reached out to me saying she would investigate and call me back within a week. I still have not heard back and when I reach out to the company they will not put me in direct contact with her or help me.
Consumer complaint received 2019-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Budget Planners of South Florida, Inc (CT)

Trying to call XXXX student loans from a number online from XXXX search : XXXX, I reached National Budget Planners who did a great job of pretending to work with XXXX  on behalf of the Department of Education. This guy accessed my private student loan information and I later learned he accessed and changed my FSA ID without my permission through an email I got after the call from the US Federal Government. 

This is his info : Revised Pay As You Earn ( REPAYE ) You will pay a total of {$190000.00} over 300 months {$240.00} + $ XXXX/month  ( 11 Months ) XXXX XXXX Student Loan Counselor National Budget Planners Phone : XXXX Ext. XXXX Email : XXXX Doing some research I learned they are part of XXXX XXXX XXXX, and will identify themselves as XXXX XXXX**** as well as National Budget Planners. They are smooth talkers, know the sales jungle to try to convince you they are legit, but all research points to illegal debt collectors who will take your money. He said he would help me consolidate my loans for $ XXXX/month. I declined as I have worked in XXXX several years and wanted to do research on this company first!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Agent for TRANSUNION, EVERYTIME IN ACHURATE INFORMATION APPEARS I am racking up the fines and will be sending a large invoice for all the violations on my credit report. Starting at {$1000.00} for each violation. 

There are XXXX accounts that still appear on my report as charged off, current or collection. These accounts are reporting inaccurately and against all my natural inalienable rights of privacy and in accordance with any/all agreements. 

Under 12 CFR Part 1022 & 45 CFR Part 5b Under 15 U.S Code 168i ( 5 ) ( B ) ( ii ) ( iii ). This item ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) was deleted, and you reinserted them without notifying me 5 days after the account is in violation. 

Under 15 U.S. Code 1692e.False or misleading representation- ( 8 ) you failed to notate this account was in dispute within 30 days not this account in violation Under penalty of perjury, I swear this account is false and misleading Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Under 15 U.S. Code 1605 ( a ) if a finance Charge was included which is the sum of all payments There should be no late payments on this account Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. If a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Accounts RESULT OF THE XXXX DATA BREACH DIRECT VIOLATION OF THE FCRA REPORTING FALSELY Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX/ XXXX
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

My complaint is, I have contacted All 3 Bureaus, XXXX  has removed ALL of the accounts in question. While Experian and XXXX  have both been contacted several times via phone online, and via first class mailings on many occasions in regards to 3 accounts that were placed in my name that did not belong to me that I did not authorize or was not familiar with. Since learning of these inaccuracies, Ive followed the proper protocol several times, to no avail. Im only met with the same results regardless and ALL of the accounts in question, UPDATED Inaccurately, regardless of my rights and Im beyond disgusted and exhausted. This is my personal profile & the fact that these accounts are reporting such derogatory remarks, makes things look very bad on my behalf when referencing my credit report. I am currently in the process of trying to purchase a home, as I am a XXXX  mother of XXXX. The unprofessionalism and neglectfulness That has been displayed in my case is VERY DISHEARTENING! When Im ACTUALLY REALLY APPLYING this time for credit and the negative accounts make it difficult when theyre checking credit, and I have negative accounts that dont belong to me reporting inaccurately. I have disputed and reach out to XXXX  several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC report. Ive called and chatted via online with their reps, Ive been told they have yet to receive the proper documentation, Ive had cases where reps have verified that they have received the documents and are in the process of handling it. Several times Ive been told that I should see an update which never happens. The last rep I talked to name was XXXX and he stated he was in special accounts department, I havent had any luck with this. These collections have been reported as having been owed with past due balances, These companies are unknown and do not possess a valid signed contract with my signature. The following accounts that are reporting are : I am asking that they either provide Accurate proof or remove Any and ALL negative and inaccurate, & Non account holding collections Immediately. Please and thank you! Contract Callers in the amount of {$1000.00} XXXX XXXX in the amount of {$530.00} XXXX XXXX in the amount of {$350.00}
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

XXXX XX/XX/2021 I was the victim of identity theft and someone fraudulently applied for several credit cards using my credit info. When his was disovered all 3 credit agencies were notified and a security alert placed on my credit. 

On XX/XX/2021 someone once again tried to fraudulently use my credit to obtains an installment loan with a company called XXXX XXXX. The application was denied. 2 of the 3 credit agencies correctly identified this as fraudulent and it was not added to my credit. 

The 3rd agency, Equifax, added the fraudulent attempt to my credit as a hard inquiry that affects my credit. I filed a dispute with Equifax notifying them of the fraud and reminding them that this occurred before and that my account was under a security warning. Equifax has refused to remove the hard inquiry from my credit file. 

XXXX XXXX also has not responded to any communctions requesting that they notify the credit agency of the fraud.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

in accordance with the fair credit reporting act XXXX  account numbers XXXX violated my rights. 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. states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-28
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: Bread Financial Holdings, Inc. (PA)

The XXXX  Credit Bureau is reporting inaccurate information on CB/NY & CO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.