davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I wrote a letter to experian requesting that the XXXX XXXX XXXX XXXX account had errors and it did not belong to me and I wanted it removed from my account. I sent them this letter certiffied mail and the return receipt shows XXXX XXXX an experian employee at XXXX XXXX XXXX received it on XX/XX/XXXX. I stil havent received a reponse from them. Since then I have been forced touse the experian online portal which still shows this account on my credit report full of errors. How can I be 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

My mortgage is serviced by a company called Mr. Cooper ( www.mrcooper.com ). Its headquarter is in XXXX, TX. I have an escrow account with them. My homeowner insurance is with The XXXX and is going to be expired on XX/XX/2021. 

I contacted them couple of times before/on the expiration. They did not pay my insurance on time and almost cause me to lose my coverage. I have to pay it by myself on XX/XX/XXXX. I am a very vigilant consumer and always watch out my bill. Otherwise I don't even know my homeowner insurance hasn't been paid. At the mean time, I am very disappointed with Mr. Cooper. They told me they did not receive the latest bill from my insurance company. I don't accept this explanation. If they don't receive the latest bill from my insurance company, they should contact with the homeowner. Apparently, they did not have early warning set up in their system which could inform the homeowner of potential late payment of insurance / tax bill. Their service organization could be dysfunctional and could potentially become mess in next housing crisis.
Consumer complaint received 2021-07-08
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: National Credit Adjusters, LLC (GA)

The first company is with XXXX XXXX ( originally progressive ) Amount {$230.00}. I have recently found out that this account is associated with a car that has already been removed from my reports because of Identity theft. I sent letters about this XXXX weeks ago and sent an additional online dispute out on XX/XX/XXXX The second company is National Credit Adjusters ( Originally Rise Credit of Tennessee ) Amount {$2600.00}. This account was opened in XX/XX/XXXX, I had moved out of Tennessee 2 years prior to this date. Please remove this fraudulent account from my report. 

The 3rd account is XXXX XXXX Originally XXXX XXXX XXXX Amount {$350.00}. I do not recall ever getting serviced from this facility and would like for it to be removed from my report. I have reached out to this company several times asking for the account to be verified with no response The last account is a loan from XXXX XXXX XXXX XXXX for {$2200.00}. I have NEVER taken out a loan for this amount and this bank and have asked SEVERAL times for it to be removed. It was removed from XXXX  but not from XXXX  or XXXX. I banked with this credit union for years and don't understand how a loan was taken out in my name when I stopped using the bank because I moved out of state. Please remove this account from my report.
Consumer complaint received 2021-07-08
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 (CA)

I got an email from American Express ( AMEX ) about a personized offer as below : " We disclosed an incorrect Annual Membership : When you accepted the online upgrade to the Hilton Honors Aspire Card, we disclosed incorrect terms for the Annual Membership fee. We sincerely apologize for any confusion this may have caused. 
We want you to come back : To make things right, we'd like to invite you back to Hilton Aspire - we'll honor the terms you accepted of {$0.00} Annual Membership fee for the first year and {$95.00} for the second year. 
What happened : The Annual Membership fee terms you accepted were incorrectly disclosed. 
What we did about it : We will honor the terms you accepted {$0.00} for the first year and {$95.00} for the second year. 
On or after XX/XX/XXXX, your Annual Membership fee may be increased to the current fee for the Hilton Honors Aspire Card at that time. If so, you will receive a notification before your Annual Membership Fee is increased. 
Next Steps : If you'd like to take advantage of this invitation, please call us by XX/XX/XXXX at XXXX - XXXX - XXXX and share this personalized offer ID, XXXX. '' I requested to accept this offer, but AMEX had no record in their system. As a result, the card is still not upgraded, and they now refuse to honor the offer.
Consumer complaint received 2021-07-08
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: WAKEFIELD & ASSOCIATES, INC. (GA)

The first company is with XXXX XXXX ( originally progressive ) Amount {$230.00}. I have recently found out that this account is associated with a car that has already been removed from my reports because of Identity theft. I sent letters about this XXXX weeks ago and sent an additional online dispute out on XX/XX/XXXX The second company is XXXX XXXX XXXX ( Originally Rise Credit of Tennessee ) Amount {$2600.00}. This account was opened in XX/XX/XXXX, I had moved out of Tennessee 2 years prior to this date. Please remove this fraudulent account from my report. 

The 3rd account is Wakefield ( Originally XXXX XXXX XXXX Amount {$350.00}. I do not recall ever getting serviced from this facility and would like for it to be removed from my report. I have reached out to this company several times asking for the account to be verified with no response The last account is a loan from XXXX XXXX XXXX XXXX for {$2200.00}. I have NEVER taken out a loan for this amount and this bank and have asked SEVERAL times for it to be removed. It was removed from XXXX  but not from XXXX  or XXXX. I banked with this credit union for years and don't understand how a loan was taken out in my name when I stopped using the bank because I moved out of state. Please remove this account from my report.
Consumer complaint received 2021-07-08
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: AMERICAN HONDA FINANCE CORP (TX)

Iam a victim of identity theft fraudulent information listed below is showing on my credit file is not mine. I am officially disputing the fraudulent Information and want to investigation .Please remove the fraudulent Information immediately from my file.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I recently ended my membership with Experian, because its a ridiculous concept to pay someone who virtually stalks me. Now there is a constant banner in the app for XXXX that reads When your subscription ends in __ days, youll no longer be able to lock or unlock your credit report. With a large button underneath labeled [ Keep your subscription ]. 

Its a deceitful sales tactic to push people into maintaining a paid-for membership with them when legally if you ask them to freeze your credit report, they have to comply - free of charge. Its predatory, its misleading, and its wrong.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION (CA)

Alliant Credit Union charged me an annual fee for their credit card in XXXX. They then changed the terms of the credit card in XXXX, removing the product that the annual fee is for. They refuse to honor their commitment to the payment terms and also refuse to refund the annual fee.
Consumer complaint received 2017-04-20
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (FL)

Paid off lease to setf for my leased vehicle with check on   XXXX    .   SETF took another auto payment  on XX/XX/2017 . Tried i n vain to contac t SETF bo th via phone and online. No human responded, but redirected to website. No help there.   I have, of course, stopped the auto payments ... but would like a response from SETF on whether or not this was a double payment on this lease. I would like a payout reckoning from this company to ascertain the exact amounts of final payments reconciling total monthly withdrawals and payoff amount.   Worst customer service ever! Can you assist?   Sincerely
Consumer complaint received 2023-03-09
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. (MA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Arete Financial Group (NY)

I SIGNED A CONTRACT WITH ARETE ( DBA ) XXXX TO PAY MY DEBTS .ARETE  TOLD MEI WOULD COST ME {$750.00} TO PAY MY CREDITORS LISTED BELOW.BEGINNING XXXX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX AND ON XXXX XXXX WE AGREED T0 INCLUDE. XXXX XXXX XXXX FOR INCREASED PAYMENTS OF $ XXXX  MONTHLY BECAUSE ARETE WOULD CALL AND TRY TO GIVE INFORMATION BY PHONE BUT WOULD NOT GIVE ME WRITTEN INFORMATION I CANCELED HE CONTRACT. 
LATER I DISCOVERED THEY MAY HAVE SETTLED A CASE THAT WAS NOT MINE AND IT WENT TO COURT IN XX/XX/XXXXI DID NOT EVEN KNOW ABOUT THAT CASE.I PAID TOTAL OF 21 MONTHS FOR {$17000.00} ARETE SETTLE XXXX XXXX XXXX FOR {$5400.00} I AM UPLOADING ONLY BEGINNING AD ENDING BANK STATEMENTS BUT ALL 21 MONTHS THAT I PAID.I AM SENIOR CITIZEN PHONE CALLS WAS SO CONVINCEING.MY CREDIT SCORE WENT FROM XXXX TO XXXX.
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I submitted several dispute for the following accounts but I haven't been notified with the result to my mail : XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX Account # XXXX : XXXX and XXXX
Consumer complaint received 2023-03-31
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. (NY)

I am concerned about the validity and accuracy of a recent investigation, conducted by transunion, on an accounts listed below, that is reporting on my credit report. This Account was opened without my knowledge or authorization. After being alerted of this fact, Last month, I requested an investigation because I felt this item was not being reported legally. Shortly after that, I reached out to Transunion, and a representative stated that transunion 's investigation was complete, and the info/accounts was deemed verified. After presenting them with a up to date FTC report, and other verifying docs to my being a victim of Identity Theft, I was told to try and submit another dispute, presenting the same information. In accordance with the Fair Credit Reporting Act, the accounts listed below, have violated my rights. 15 U.S.C 1681 Section 602 A States that 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 an account without my written instructions. 

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 XXXXXXXX
Consumer complaint received 2021-07-08
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. (TX)

Iam a victim of identity theft fraudulent information listed below is showing on my credit file is not mine. I am officially disputing the fraudulent Information and want to investigation .Please remove the fraudulent Information immediately from my file.
Consumer complaint received 2021-07-02
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. (MI)

Good Day, On XX/XX/XXXX, I noticed that Experian is reporting a collections in XX/XX/XXXX, for an account ( XXXX # XXXX ) that was paid and settled in XXXX, XXXX. I informed an Experian employee of this and she agreed that an error was made because she SAW that the account was paid and settled in XXXX, XXXX. The employee stated that it is impossible for it to be in collections months later in XXXX, XXXX. As such, the employee opened a DISPUTE to have it corrected. However, today XX/XX/XXXX the dispute kept the error on my report. Therefore, I am filing this complaint against Experian for continuing to report this erroneous COLLECTIONS in XXXX, XXXX on an account that was PAID AND SETTLED IN XXXX, XXXX. This is highly unethical and it is damaging my credit worthiness. I need this removed expeditiously so that my lender may approve me with the best terms on my account. Also, to add, it is impossible for a paid account in XXXX, XXXX to now be in collections for only one month being XXXX, XXXX. The last payment I made was in XXXX, XXXX. Therefore, if it were truly in Collections in XXXX, XXXX, it would still be in Collection since I made no other payment than in XXXX, XXXX. Also, XXXX never reported anything in the payment history to begin with. In addition, XXXX  and XXXX  both acknowledged that the account was paid and settled in XXXX, XXXX. Experian for an unknown reason is the only XXXX reporting this erroneous Collections in XX/XX/XXXX, months after the paid settlement in XXXX, XXXX. I don't want to speculate, but I hope Experian is not retaliating against me because of other CFPB complaints that I had to file against them. I am including screenshots to show the obvious error that Experian is reporting on my credit file. Please advise.
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (FL)

On XX/XX/2021, I sent a notarized affidavit of truth along with a cease and desist, proof of violations and an invoice for those violations to Credit Collection Services. They received the documents on XX/XX/2021. The 30 day mark is quickly approaching and I have not received nor heard anything from Credit Collection Services on what they intend to do to provide remedy for the violations committed against me as a Consumer. They have violated my rights in multiple ways which I have sent proof of and I intend to bring legal action against them if remedy is not provided. I will take silence and failure to comply or respond as agreement to my terms. Pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ), Credit Collection Services is liable for providing remedy for the violations.
Consumer complaint received 2021-07-08
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc. (FL)

XXXX XXXX XXXX hit, forced place Insurance at time Borrowed filed a claim on the damages, structure damages only roof, walls, ceiling, floors in heavy rainstorms water comes in through the doors, windows, mold. 
XX/XX/XXXX Foreclosure documents default {$17000.00} on forced place Insurance. 
XX/XX/XXXX, we get call from adjuster lawyers office, stating they were not able to help with the claim based on borrow has no right to file claim on property. 
Present XXXX damages are worse, mold has gotten in closets, bathrooms, rooms, kitchen new cabinets are deteriorating from mold and now we are bound to mortgage lender and insurance company on behalf of all damages.
Consumer complaint received 2022-10-26
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. (AZ)

A Small Business Loan for {$32000.00}, was taken out for a XXXX entity, under the Entity 's XXXX. The Lender, XXXX, told me that I would not be a co-signer as this is a small business loan, Turned out I was lied to and forced to signed the agreement under deception and duress. The company included my personal information, and residential address without my consent. I was told that my information was needed as a contact. A day after all the documents was signed and money received by the business, I found out I was fraudulently listed as a personal guarantor with out my knowledge. 

And now this loan is showing up under my personal credit report, although I was told by the company that this would report on my business credit to help my business grow. Because of this incident, I am not unable to purchase my dream home, after I was approved for my home loan. My score was lowered and debt-to-income ratio is affected. I only gave this company permission to run a soft credit check, but nothing else per my instructions. I intend to file a lawsuit regarding this matter.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 Account Number:XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a 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 2021-07-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX opened the collection account on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX  for the amount of {$1800.00}. This company never contacted me until they reported me to Experian in XX/XX/XXXX. This is an unfair collection because I terminated my lease under Section 92.054 ( b ) of Texas Property Code due to an unlivable condition in my apartment unit that last for two weeks ( XX/XX/XXXX - XX/XX/XXXX ) due to electric outage and flood from the winter storm. The Texas Governor 's Office also issued a disaster declaration on XX/XX/XXXX. The apartment management was unwilling to move me to another unit without paying extra, which I have that right as a tenant. Additionally, water removal and moisture mitigation were improperly done, resulting in molds and more water. I decided to exercise my right and terminate my lease under Section 92.054 ( b ) of Texas Property Code, which provides the right to terminate the lease without penalty as well as to receive pro-rata refund of the rent and the security deposit. All I wanted was to have a place in a livable condition that this apartment complex failed to provide. 

I have also tried to dispute this report through Experian but without success. I believe that Experian has violated violated the Fair Credit Reporting Act.
Consumer complaint received 2021-07-08
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My former spouse opened a fraudulent account in 2016 by submitting a counterfeit application. She placed charges on the account without my knowledge or permission. I have spoken with the bank several times on separate dates and had been assured that they could provide me with the actual application with the counterfeit signature to pursue a criminal investigation and would remove any negative information on credit reports. 
They later recanted because they said in my history I had at one time lived at the address she used and used bank account information that had my name formerly attatched. I have not gotten a copy of the application nor has the information been removed. This information needs to be removed from my credit history.
Consumer complaint received 2021-07-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

I applied for forgiveness through the Public Interest Loan Forgiveness program on XX/XX/2021, after getting credit for payments they had not properly counted. They confirmed I was eligible for forgiveness shortly thereafter, and then it had been total silence. I have called multiple times for more information, especially as more and more people have gotten forgiveness who applied months after me. Each time I get a different, contradictory response about the status of my application, if I get any response at all.