davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, 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: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

Im XXXX I notified our mortgage company Carrington mortgage that my husband had passed away on attempted to make a purchase from XXXX XXXX which was denied I contacted XXXX XXXX  credit card and was told that on XX/XX/21 they received notice that I was deceased so they closed my account I provided them al my info at which time they reopened my account but would take 30 days and I should call XXXX  since they are the one whom notified them I called spoke with them they filed a dispute and all in one day filed it investigated and closed it they sent me by mail a notice that they corrected it and I was no longer marked as deceased. Not sure if date but it was in XXXX  I received notice that my homeowners insurance for my XXXX  home had been cancelled due to me being deceased I called my insurance agent he contacted XXXX  and told them I was not deceased so they redid my policy using XXXX for score and since they didnt show one on me my insurance policy cost me double the amount causing a shortage in my escrow account. 
I again called my mortgage company at least 4 times and finally this time is when o was told that they are the ones that made me deceased and not my husband and they are the reason for all of my headaches I was again told to fax the death certificate to their research dept so they could fix the problem. On Saturday XX/XX/XXXX I received a call from XXXX  at Carrington telling me that they have fixed everything on their end and that credit report will go out to XXXX  on the bill XXXX and they will make correction on their end then today the XXXX of XXXX I received a call from XXXX at Carrington tell me that it will be at least 60 - 90 days before this mess will be fixed because the previous person at Carrington told me to refax my husbands death certificate and it caused another dispute to be open!!! This has made my life a nightmare can you please help to get me??? 
Thank you
Consumer complaint received 2021-08-09
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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC (TX)

They're still reporting a debt from XXXX XXXX and refused to do a debt validation, it still shows collection on credit report even though they agreed it will be paid off once I pay it in full ... I contact XXXX XXXX like they said including the account number in the last complaint. According to XXXX XXXX  they only off Electricity in the state of Texas not Florida ( which they gave me the previous address to contact them ) the address I provided to XXXX XXXX  that XXXX gave me was XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX florida XXXX which i gave to the original creditor and they said that address don't exist with XXXX XXXX because XXXX XXXX only exist in texas after being on the phone with them for 15 minutes I tried calling XXXX but they're not getting the fact whoever reported it wasn't from out of state or XXXX XXXX themselves
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (CA)

Someone got my social security number and thus got my birth date and CA. license information. I am afraid they will try to get credit cards, loans, drain my checking account and other nefarious aacts. I need protection so as not to be held liable for any unauthorized use of my Social security number, CA. license number, etc.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

This is with the closing attorney. I used a broker and subsequently Quicken loans. From initial LE to final CD Section H always stated that the owners title insurance was optional. Day before closing now, keep in mind I told my broker in writing from the initial LE that I did not want owners title insurance and the fee is still on the CD. I called the title company and they stated " owners title insurance is optional, just not optional here at our company '' and now it's too late to start over with a new title company so I am forced to pay XXXX that was in all actuality NOT optional. 

This is a deceiving practice and unacceptable behavior by a law firm. I have it in writing now from the law firm, and he states all email signatures state it's not optional but a buyer doesn't correspond with title, the realtors and the bank do, had I known up front they would not charge this, I would have gone with another company to close the loan.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (AR)

My social security benefits deposit on my direct express card every month on the XXXX. This month ( XXXX ) my money deposited as usual, however, it says my card is locked and I can not access any of my funds. I have been on the phone everyday for HOURS trying to get someone on the phone at direct express since the XXXX and can not get anyone to pick up. There are times where I haven held for 3 hours with no response. I am a low income individual and I have bills overdue now because I can not access my money. I need help Now and cant seem to get any from anyone.
Consumer complaint received 2021-08-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

Greetings, I am extremely frustrated with Amerihome Mortgage and XXXX XXXX. The mortgage company failed to inform me in a timely manner that they weren't able to secure the homeowner 's insurance payment due to the failure to secure the insurance company 's information even though they had made a payment on my behalf the previous year. I asked the company why no one had emailed or call me to let me know I had no insurance they said it was against the company 's policies. It's considered harassment to send me an email even though I receive monthly payment emails from the company. I was told I am on my own and I would have to find a new insurance company, even though I am not the reason I lost my insurance. I found an insurance company and weeks later the company still hasn't received any payment from them even though they said they mailed out a check since XX/XX/2021, the company still hasn't received it up until XXXX XXXX. 

As it relates to XXXX XXXX, It has been a month now since they informed me that they are unable to reinstate my insurance, and they still haven't returned the check. I have called them multiple times along with my mortgage company and still no help. How is this acceptable when this is my money that is continuously paid on time???? how can these companies treat customers like this with no consequences?
Consumer complaint received 2021-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-08-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NOVAD Management Consulting, LLC (SC)

My husband and I had a modification done on our home in XX/XX/XXXX, my husband developed some health issues and could no longer work his part time job, we were happy to learn that we could qualify for a modification to bring our home mortgage down, unfortunately we were not given the full understanding of what this would entail. We are in our late XXXX 's and needed to refinance, we learned that the mortgage company has a lien on our title for XXXX XXXX dollars!! We believe we were duped by XXXX XXXX, we really thought that they were interested in helping us with this, but behind the scenes they used HUD and us to get funds that really benefited them. I have spoken to both the mortgage company and HUD, according to HUD it is all based on the mortgage companies standards for this amount. Had we been thoroughly informed that we would have been responsible for an amount like this we would not have gone through with this modification, they only lowered the bill by {$100.00}!!. I do not believe we should be responsible for paying them this money..Thank you, XXXX & XXXX XXXX
Consumer complaint received 2020-11-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and all 3 credit bureaus regarding a foreclosure that was opened in XXXX. My account has 9 inaccuracies. It is well over 30 days again and the account still has 9 accuracies and nothing has been updated or removed.
Consumer complaint received 2021-08-09
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. (TN)

I have attached an account reporting to my credit that is not my card, this account belongs to someone else and I was an authorized user not responsible for the card. Delete this account from my credit asap.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have attached and account that is reporting inaccurately to all three of my credit bureaus, per the FCRA any information reported in my name to the three credit bureaus must be 100 % accurate. I have attached a picture of this account taken today wirh the inaccuracies highlighted.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Received a letter thanking me for opening a Huntington Bank Asterisk-Free checking account online on XX/XX/2021 and stating : You may have opened other accounts at the same time, which are not listed here. 

I did not open an account or accounts, but was sent an ATM card for said account that I did not request. Emailed their fraud department, but no response. I dont know if this outside fraud or a situation similar to XXXX XXXX where unscrupulous employees are opening accounts to meet sales quotas. I had an auto loan with Huntington Bank several years ago that has been paid off for years and other than that no other business relationship. 

I live in Illinois and believe this bank operates primarily in Ohio. 

I want this account opening reversed with no damage to my credit report. I also want the bank to invest and notify me if any other accounts were opened. If they find this was the act of one of their own employees I want them punished and see if others former customers had accounts opened without their authorization. I would also like to see Huntington Bank put further safeguards in place to prevent this from happening to others.
Consumer complaint received 2021-08-09
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: SG and Associates (AZ)

On XXXX XXXX I got an alert on my credit report that a company by the name of SG and Associates added and account under my social security number. Total of {$630.00} this account was open XXXX XXXX. At XXXX XXXX XXXX XXXX in XXXX Arizona. This account is fraudulent because I dont have any idea when this account was open. I contact them this morning at XXXX XXXX and they explain to me what the charges are for.
Consumer complaint received 2021-08-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (NY)

Pentagon Federal Credit Union is advertising a low rate for a consumer automobile refinance and they arent honoring their posted rates. I applied and was approved, but they are claiming my credit score didnt meet their top tier of over XXXX. They pulled my credit, but wont provide me with the score. They claim it is below XXXX. I confirmed and paid for my credit score from XXXX, which is the agency that PenFed told me they used, and my credit score has been hovering around XXXX for over the past year and hasnt been below XXXX for quite some time. They refuse to prove the score they pulled and therefore are denying me the top tier low interest rate for the auto refinance loan. They have been extremely difficult to get in touch with and continue to keep me on hold for extenuating wait time often exceeding 30 mins and then ultimately not transferring me to a next tier agent or manager that can actually tell me what the score was that they pulled. I know it was in error and I paid for and uploaded proof of my credit score, but they still refuse to accept that evidence and will not offer me the low rate they advertise and that my credit score easily qualifies for.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I have been longtime customer with this company and every since I got married add my wife to my account every other month or so my dedit card dont work or extras back to back fees are coming out or overdraft fees are getting higer to manage Im close my account soon with this company Im so disappointed in them being longtime client here I dont feel protected at this bank at all
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the referenced accounts to the 3 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 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 3-4 months.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

A initial letter was sent to Equifax on XX/XX/XXXX. They responded with no action. 
Per. 15 U.S. Code 1681b - Permissible purposes of consumer reports In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Per. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates As a consumer by law these inquiries listed below on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also I have already sent this letter to : Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commision You have failed to comply to my request of my letter dated on XX/XX/2021. And you are now in violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance
Consumer complaint received 2021-08-02
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. (NY)

I submitted a dispute with my FTC report on XXXX which base on USPS was received on XXXX at XXXX XXXX EST. when I spoke to a representative she stated it was uploaded on the XXXX of XXXX. I have received an email today XXXX to tell me that my investigation was completed when I looked at the report status updated as of XXXX. I have attached a copy of what was sent and a copy of my FTC report for my dispute. The account was not properly investigated because how can I send the FTC in XX/XX/XXXX but investigation is completed in XXXX or even XX/XX/XXXX that's because they did not investigate my case.I need them to take the FTC report in consideration and remove this off my report because it is not accurate. The report number is located at the top of the what was sent to me
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC (MD)

I sent a dispute letter in XXXX of XXXX. I asked them to verify the debt that was placed on my credit report. Mountain Run Solutions then sent a fake contract. I never had an account with Mountain Run Soultions on XXXX. They sent a letter stating that they will delete the account from the credit report with a discount of {$1000.00}. I have filed a complaint, still nothing. Here it is XX/XX/XXXX, I sent another dispute letter. Mountain Run Soultions then sent another contract aside from the first contract. There are two seperate fake contracts. This company is trying to collect money that I do not owe to them. Please have this company delete this information from my credit report.
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

This business is harassing me for a debt I do not owe. I have contacted the original creditor listed and they confirm I have no balance. They have no record of sending my account to this collection agency. As of XX/XX/XXXX, the agency has reported delinquency which shows on my credit report. Again, I have no outstanding balance, was not sent to collection, and my credit shows a delinquency from the collection agency. I want the delinquency removed and the agency to leave me alone. As I have never had any contact by mail or phone with this company. I have attempted to contacted them and have file this complaint to assist me with this matter.
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I am on XXXX and in XX/XX/XXXX and XX/XX/XXXX I was placed on administrative forebearance which when I called to inquire to have tracked as a payment, they told me it was a processing forebearance and would not count because I didnt make a payment. I never requested a processing forbearance and I never would have as I want my months counted while I am working. I didnt turn in anything late. They shouldnt be allowed to just place me on forebearance and stick me into public service longer and longer. I need those XXXX months counted.
Consumer complaint received 2021-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, and XXXX XXXX XXXX regarding an alleged account. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining the necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months.

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above-noted code requires your prompt response. Your prompt attention will be greatly appreciated. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed XXXX XXXX XXXX to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto.