davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-15
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. (PA)

Request to dispute item ( XXXX  ) on credit file because information provided by creditor was either inaccurate and/or incomplete. Credit Reporting Agencies would not honor my request. The agencies ( Experian, XXXX  ) would update the account with no information provided by the creditor, reporting the exact same information that  existed before my dispute. 

The agencies are not in compliant with FCRA which requires them to re-dispute information that is incomplete or inaccurate on a consumer 's report. They have ignored my written requests online and via mail.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

All three of my credit reports show a Fifth Third Credit Card from 2006. This keeps reappearing. Sometimes it shows up twice on my credit reports. Ive called them and written them. They tell me they cant find my information. It should be deleted because they can not verify it, it is incorrect and is over seven years old.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

Select Portfolio Servicing, a mortgage servicing company, offered to put me on an unemployment plan required for a loan modification of which they offered to me to fix the rate and extend the terms. The told me as long a I paid the unemployment plan on-time the loan would be reported as on-time and paid as agreed. I accepted the offer and paid the lower monthly payments. However, I have found out that Select Portfolio Servicing is not authorized to lower my monthly mortgage payment or do a loan modifications. After the unemployment plan was up a loan modification was all of a sudden not available for the loan. A tactic used to try and force a homeowner into foreclosure. They did not do what they said and was offered in error. In addition to this, the communication they sent me verifying the payment offer and agreement was misleading and not straight forward about this when they were not permitted to offer me reduced payments on the original mortgage loan in the first place. Although I paid this offer/ agreement on-time and in good faith thinking this was actually allowed, they reported the payments late instead of one-time and paid as agreed. I demand the company, who I understand has thousands of reports against them a a federal class action lawsuit to immediately correct my credit report to reflect on-tim and paid as agreed.
Consumer complaint received 2020-04-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

On or about XX/XX/2020, I was approved and received documents for a loan modification with Freedom Mortgage. These papers were signed and returned to Freedom Mortgage on XX/XX/2020. The loan is now current and the next payment is due on XX/XX/2020. 

On XX/XX/2020, I requested an escrow analysis for my account. The mortgage company had a property tax payment amount of {$6100.00}. The correct amount was {$1400.00}, a difference of {$4600.00}. This difference should have resulted in a refund due back to me in the amount of {$2800.00}. Freedom Mortgage provided me with a statement agreeing to this. In that statement, Freedom Mortgage indicates that according to Federal Law, any excess over {$50.00} must be refunded back to me. On At the time the money was applied to the principal of the loan, the loan was current. On XX/XX/2020, I requested the amount be refunded back to me in the form of a check. The representative put in a request to have that done. 

On or about XX/XX/2020, instead of refunding this balance back to me, they applied the balance to my loan in the form of a principal reduction payment. I did not agree to this. Freedom Mortgage needs to refund this money back to me.
Consumer complaint received 2020-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NJ)

University hospital of XXXX placed me in collectors for a accident that happened on 2008. This hospital were paid in full due to my case was with a workers compensation and I had a lawyer taking care of all my bills. In doing my taxes I received a letter stating that I owe XXXX to this hospital and they will be deducting the monies from my income taxes return. I have never ever received a letter stating that I owe this hospital however tge Monies where deducted from my income taxes refund.. This is a mistake in there part all bills where paid through my lawyer. I need my XXXX back that they took out from my income tax.
Consumer complaint received 2023-01-06
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. (MD)

XXXX XXXX { XXXX XXXX XXXX, XXXX XXXX  XXXX { XXXX } XXXX : XX/XX/1995 XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Experian Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be in error : { XXXX XXXX } By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 16811 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Account name : XXXX XXXX Account number : XXXX...
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA 1099- C MC Account XXXX opened XX/XX/XXXX CANCELLATION OF DEBT XXXX ** USAA NEVER CLOSED USAA USED MY PRIVATE SECURE DATA FROM THIS ACCOUNT TO OPEN see attatched USAA MC Statement XX/XX/XXXX Bal {$100.00} I DID NOT AUTHORIZE TO OPEN I DID NOT HAVE PISSESSION TRANSACTIONS NOT MINE. then ussa opened VISA end XXXX I DID NOT AUTHORIZE USING MY ORIGINAL PRIVATE DATA. see attatched {$470.00} UNAUTHORIZED TRANSACTIONS VUSA CARD XXXX I DID NOT OPEN.!!! USAA HOLDS CONSUMERS FINANCIAL HOSTAGE USING PRIVATE DATA WITHOUT CONSUMERS AUTHORIZATION FOR A LIFETIME!!! USSA CLAIMS AS LIFETIME MEMBER ( NO AUTHORIZATION IS NEEDED NO DRS LICENSE NO CONTRACT NO ORIGINAL SIGNATURE TO OPEN ACCOUNTS. ) ** USAA COMMITTED ID THEFT USING MY PRIVATE SECURE DATA TO OPEN FRAUDULENT ACCOUNTS ( USAA ALSO FRAUDULENTLY USED MY SECURE PAYMENT DATA TO MAKE PAYMENT XX/XX/XXXX I DI D NOT AUTHORIZE SOCIAL SECURITY SECTION 207 LAW VERY CLEAR SOCIAL SECURITY REVERSED PAYMENT. )
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, 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. (TX)

I informed the Credit bureau Transunion, XXXX, XXXX that i hade inaccurate and misleading/Fraudulent personal addresses and accounts on my credit report that they being falsely reported They did there investigations and removed all the inaccurate information being report well a month or so later Transunion and XXXX decided to put in fraudulent information back on my credit report! I reached back out with a dispute letter telling them there wrongs of re-reporting the inaccurate/fraudulent items and they still havent gave me any response and its been well over 30 to going on 60 days with no re-investgation results. Ive been very patient with these compqnys have rwached out to over a 100 different companys trying to get them to validate these inaccuracies of my credit report still nothing please help me thank youXXXX XXXX
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

My wife and I have been dealing with the incompetence of Shellpoint since XXXX. We received our Escrow Analysis and noticed that our payment was increasing from {$1600.00} per month to {$6200.00}. I know sounds absurd right? That's what we thought too. So apparently you decided to start adding PMI of {$3800.00} onto my loan. Now this was new to me because the loan was with XXXX for 6 years and I never paid PMI. In fact when the loan was originated we elected to pay a one time payment of, you guessed it, {$3800.00} to eliminate PMI. You took over my loan in XXXX and in XXXX decided it would be a good idea to charge the PMI and send it in to the insurance company. Funny thing is they returned the payment because nothing was owed. The first payment was on XX/XX/XXXX, it was returned on XX/XX/XXXX. There was another payment sent on XX/XX/XXXX and returned on XX/XX/XXXX. The really interesting thing about this is that the disbursements are not consistent or monthly. There have only been 2 since XXXX. If you look at my loan you will see all of this along with the notes from the however many people we have talked to that really couldn't do anything but put those notes in the system. At some point, I guess someone entered a request to have PMI removed from my loan. Today I received a letter that asked me to sign and return it to authorize you to order an appraisal of my property. This will cost me a minimum of {$400.00}, I thought that was interesting ... This is what prompted me to call yet again and be told to email loan servicing. Funny thing is my wife spoke to someone recently that said you all don't reply to emails. I assume it's true as I never received a response from my first email. The way I figure it is I am just wasting more of my time by writing this. 

I'm trying my best to document everything that I can. I have sent in the original docs from closing as well showing the PMI payment didn't exist. We have been able to continue making our normal payments of {$1600.00} by sitting on the phone for over an hour at a time and finally getting someone that could take a " Regular Payment with Adjustment '' over the phone. That was for XXXX and XXXX. It was obvious to them as well as everyone we have spoken to that there is a mistake on your part. The issue is no one has the ability to fix it.
Consumer complaint received 2020-04-15
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: EQUIFAX, INC. (FL)

Dear Legal Department, This credit dispute is being submitted as anew evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these  credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-04-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

We are in the process of refinancing, and our current loan company, Rushmore Loan Management will not send over the payoff amount to the escrow Company. We began the process on XX/XX/XXXX and were supposed to close on XX/XX/XXXX. Our broker had to request an extension once, and just had to file another. The broker requested the information and the loan company would not fax it. We called on XX/XX/XXXX to have it faxed the escrow company -- they told us it was sent on XX/XX/XXXX, but the escrow company never received it. The escrow company called to follow up, and Rushmore still did not send it. We called on Monday, XX/XX/XXXX and the company did not pick up the phone, even though we called within business hours ( said they were closed ). We called again and requested it on XX/XX/XXXX -- they said it would be faxed to the escrow company that afternoon, but the escrow company did not receive it. We just want to refinance our loan, but we can't do it because of the negligence of Rushmore. 

We had this same problem with them when we tried to get our PMI removed. Rushmore kept insisting they had sent us letters or faxed us information when they had not. I suspect they are printing copies of the letters they write and placing it in our file, without ever sending anything, so they can claim that they did it. It took 3 months to get them to move on removing our PMI -- that was close to {$900.00} that we could have saved. 

I just want them to send the payoff amount to the escrow company so we can finish the refinance and have another loan company.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

PLEASE HELP ME! For years I have been the victim of identity theft. For years I have been fighting with numerous creditors, collectors,  credit bureaus, the IRS, XXXX XXXX XXXX XXXX, XXXX XXXX child support, and numerous other agencies. 

I have spent numerous man hours filing id theft affidavits, police reports, Tax documents, fraud notices, calling on the phone, and anything I can think of which would help me fight off all the fraud which has been perpetrated against me and ruined my good name. I'm not kidding when I say I have spent an entire weeks worth of manhours put into this since XXXX. 

As of now, I have almost eliminated all forms of fraudulent accounts against me except for one which persists no matter what I do. On XX/XX/XXXX, Someone opened up a Discover card under my name. I don't know how they did it, but they did. I filed a fraud affidavit and a police report, and submitted it to all parties involved and the account came back as verified. HOW! I have NEVER applied for a discover account in my life. I do not have one, and I have never borrowed money from them. How can they claim this is verified? I don't know what to do anymore. I have spent the last three years trying to buy a home and I keep getting told no because these fraud accounts keep popping up. I'm tired now. I can't keep putting in this much effort just to have a company tell me they are going to hold me responsible for money I never borrowed. 

Please help me in getting Discover to remove this from my credit report. If they don't, then I will have to call a lawyer and sue them. I have already spent thousands of dollars in time and money fighting this so I will have no problem spending several more years and thousands going after Discover.
Consumer complaint received 2020-04-15
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: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I filed a dispute regarding an account listed on my credit report by Weltman Weinberg Reis. I stated that there was no Date of First Delinquency listed as required by federal law. I also stated that the estimated month and year this item will be removed : XX/XX/XXXX was incorrect. XXXX  claimed they verified the accuracy of the account. This is impossible as there is still no Date of First Delinquency listed, and the date of removal is incorrect. I am including evidence that shows the date of last payment on these accounts was XX/XX/XXXX. Therefore, the removal date should be 7 years later, XX/XX/XXXX. 

Included are two letters from the original creditor. The original creditor was XXXX  XXXX, XXXX and the loans were serviced by XXXX, both names appear on these letters. The letters show that both loans last payment was on XX/XX/XXXX. 

Additionally, when I wrote to the collection agency that currently appears to hold the debt ( Weltman Weinberg Reis ) and asked for verification of the debt. They sent documents Im also including. There is a printout titled Loan History Details that shows no payments made after XXXX. Then there is a document titled Post Default Payment Summary. This document shows payments of XXXX on XX/XX/XXXX for one account and on XX/XX/XXXX on the other account. This might be the dates they went to collection, but as shown no payments were made on those dates.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (VA)

Inquiries were posted to my credit report from the following companies that I did not make or authorize : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I was charged {$4500.00} fraudulently by a former employer who was not authorized to make those changes. I called Bank of America over 40 times and was given every excuse the former employer gave. I proved every charge was false and I submitted the records and payments along with Government documentation proving the charges were false. The very last document sent was the Credit Card Authorization Form with my signature that authorized the company to charge my account a monthly affiliation fee of {$130.00} ONLY. This was written boldly across the authorization form that I had to provide. This has been going one for the last 4 months and I have faxed 4 sets of documentation to BOA with NO RESPONSE. Every call made by me to BOA gave me a different reason why they didn't remove the charge and every excuse was answered with documentation. I have only two letters from BOA. One removed the charge the other added the charge back to my bill with a statement the '' Regrettably, we were unable to obtain credit ( S ) to your account from the merchant ''. This dispute is an UNAUTHORIZED USE OF MY CREDIT CARD not a billing dispute. under the Truth in lending act limits my personal liability to {$50.00}. BOA has never responded to my FAXED Documentation or calls.