davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (SC)

In early XX/XX/2020, I called Amerisave to inquire about the possibility of refinancing my existing mortgage. I informed the loan originator that I wanted to subordinate an existing Home Equity Line of Credit and refinance if it would save me a significant amount of money. As selling points, he outlined three points that convinced me to begin the application process. 1-I was told that subordinating the HELOC would be no problem ( I also indicated this as my intention on the application paperwork ) 2-we would likely close the loan within 30 days 3-no appraisal would be required. 

Based on these three points, I agreed to pay the {$500.00} application fee with my credit card. From that point we waited weeks for a processor to be assigned ( I was not particularly concerned since we were locked in on our rate and I knew this was a high volume refi time for them XXXX. However, when I reviewed the application on my portal, the paperwork did not reflect my desire to subordinate the HELOC. 
When I called, it took over a week for the originator to respond, and when he did, he had 'forgotten ' that I wanted to do this. This happened on three or four occasions, and then eventually it became their mission to convince me NOT to subordinate, because it would just take too long. 
Weeks past and I continued to submit all requested documentation, and eventually I was informed that if I was to continue to subordinate, that I would need to have an appraisal done, and that my closing costs would increase because of the appraisal fee. At this point I sent multiple emails to both the loan originator and loan processing expressing my desire to terminate the process and to receive a refund of the application fee. I feel that this is completely justified due to the fact that NONE of the XXXX factors/points used to convince me to refinance ever materialized. It has been nearly XXXX weeks since I sent these emails and I have not received a response.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX and XXXX has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX and XXXX has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-04
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2023-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I had studen loan from ed financial. When XXXX announced that he will forgive student loan. I contact to my borrower and then I asked the refund so I did got my refund but after that I was accuring the interest which is {$140.00} $ on top on myloan amount. And when my loan was on grace period or inwas in school i was paying my loan on time just to avoid accuring interest. after that I contacted them I told them why I am accruing interest when my loan was on pause and they were told me that this is the interest on my loan. After than I paid my full amount like the all loan I paid .and then after that, I asked them like I feel like there was a mistake from your side and then the interest which I paid which is around {$140.00}. I want my money back and then after like month or two months I receive an email that my amount which is {$140.00} is refunded. I am checking my emails every day. I am checking my bank account every day I have not received any refund on the amount of one {$140.00} and now I am so stressed out.
Consumer complaint received 2019-06-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: TOLEDO FINANCE CORPORATION (AR)

Todelo finance on XXXX XXXX XXXX XXXX keeps repeatedly calling my friends family and myself they have my number and have called me multiple times sometimes two times a day yet they keep calling all my references, multiple times a week they have been asked to stop some of the calls to me XXXX XXXX XXXX and XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX this is after i had already told them I did not have any money during these same times they called me they also called most of my references i have call history proof from me and some references that go back months if mutiple calls and harassment threats of garnishment if I don't pay by certain days
Consumer complaint received 2020-11-06
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. (NY)

On Friday XX/XX/2020 I called Experion ( XXXX ) to place a temporary freeze lift on my credit. The voice response system was poor but I did receive a confirmation number that the freeze was lifted. However, after receiving the confirmation number ... the voice response system then told me that I had to send in the mail ... ..a long list of personal information including my PIN number when I placed the initial credit freeze. That the freeze would not be lifted until I sent the information and that I should allow enough time for the information to be received in the mail so that the freeze could be lifted for the time frame I requested. THIS MESSAGE IS CONFUSING????? IT LEFT ME WONDERING WHETHER OR NOT THE FREEZE WAS TEMPORARILY LIFTED? 

On Friday XX/XX/2020 in the afternoon ... ... I tried at least 10 times by phone and several times via the internet to have the temporary freeze removed ... ... .in other words to reinstate the freeze.

No customer service selection was available on the phone voice response system. I could not speak to a customer service representative because there is no option to select to be able to speak to a person.On the internet site for Experion ( Experion.com/freeze ) there is NO OPTION TO REINSTATE THE FREEZE. I spent over 1 hour trying to contact Experion to reinstate the freeze on my credit.
This Company left me vulnerable to identity theft by NOT AVAILING THE PUBLIC ACCESS TO CREDIT FREEZE SERVICES.

This Company should NOT BE IN THE CREDIT BUSINESS SERVING THE PUBLIC?
Consumer complaint received 2023-04-09
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. (NJ)

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. 

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 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 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 XXXX  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 2020-09-16
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-16
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. (CA)

In XX/XX/2020, mailed a dispute letter via usps certified mail to Experian in regards to the validity and accuracy of charged off accounts listed on my credit report from XXXX # XXXX and a collections account listed on my credit report from XXXX  XXXX XXXX # XXXX  In my letter I addressed each section of the accounts that were reporting inaccurately and requested that if these accounts are not reporting accurately and can not be verified they should be deleted from my Experian report. 

On XX/XX/2020, I received dispute results from Experian stating that both accounts were updated and verified. On XX/XX/2020, I mailed a letter requesting the method of verification via USPS Certified Mail to Experian which according to FCRA they have 15 days to respond to my request. I requested that if Experian can not respond to the method of verification request that they delete the derogatory items listed as these items are not only reporting inaccurately but they are also unverifiable. 

As of XX/XX/2020, I have not received a response from Experian in regards to my requests for the method of verification nor have the accounts been deleted from my credit report. In fact, Experian had the audacity to update the account balances for the XXXX # XXXX accounts and XXXX   XXXX XXXX # XXXX XXXXollection account on XX/XX/2020 instead of complying with the Method of Verification requests for both accounts. 

I am filling this complaint as Experian has consistently been negligent with reporting inaccurate information on my credit reports and it is even more concerning because they are not following the FCRA in their handling of my request for proper investigations, accuracy and they have not provided any information in response to my method of verification request. 

Due to experian 's negligence and refusal to adhere to the FCRA and the LAW, these accounts XXXX  # XXXX and XXXX  XXXX XXXX # XXXX must be deleted immediately.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stenger & Stenger, P.C (MI)

Stenger & Stenger , P.C. Creditor is XXXX XXXX amount of debt is total of {$760.00} as of XX/XX/2020 ... payment arrange in XX/XX/2020 for the total amount of {$1000.00} with payment of XXXX made 5 payments deducted from total amount of payment agreement of {$1000.00} which total my amount to {$760.00}.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! Im requesting that the following information thats appearing on my credit report be removed at this point. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (PA)

We have a VA loan on our home thru Freedom Mortgage with a guarantee that we can refinance should interest rates drop. We started that process a few months ago, signed all the required documents and returned them to Freedom. We had a settlement date of XX/XX/2020. Freedom called us a few days ahead of that date and said they had to move the date because they made an error in the lot number on the documents. We were told that settlement would be postponed a week. We did not hear anything from Freedom, so called the loan service dept. to check status. We were told the loan was ready and had been sent to the main office. When we didn't hear anything, a week later we made multiple calls and spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX who would not provide her last name. We also left several messages for XXXX XXXX who is the person we were told is handling the loan. She never returned multiple phone messages until a message was left telling Freedom we are going to pull our loan. Ms. XXXX then called back within 30 minutes and said we can go thru with refinance or stop it. When asked what the status is, she said the loan is with the underwriters and we should get a call for settlement within the week. We are now trying to work through loan advocate, but when we called the number provided and requested one, they transferred us to a person who said he is a loan adviser. We have now made another month 's mortgage payment at the higher rate and there is no end in sight for us for the lower rate and payment.
Consumer complaint received 2022-08-17
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. (ND)

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # Dept OF ED XXXX XXXX XXXX }.
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I disputed and account that was sent to COLUMBIA DEBT RECOVERY LLC XXXX XXXX account # XXXX in the amount of {$12000.00} for an apartment complex I never lived in and I have already sent them my lease during the same time as the apartment complex that reported my account to the collection agency. The name of the company that reported my account was XXXX XXXX and I have never been associated with these apartments
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX Amount $ XXXX collections Account # XXXX amount {$430.00} The XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX Amount {$220.00}. XXXX collections Account # XXXX Amount {$480.00} has violated my rights. 

15 U.S.C1681 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 account without my written instructions.
Consumer complaint received 2024-03-04
Product: Credit reporting 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-04-04
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

I have no knowledge of this account and it is not mine. I have disputed this on my credit. They keep trying to put collections on my credit. I have no knowledge of the debts. They are not mine. The repeated re-posting of multiple collections to my credit during Covid-19 has kept me from obtaining a new credit card and divorcing during Covid as it is difficult to even dispute online right now. I believe their collection efforts have been financially damaging to me at this point.
Consumer complaint received 2018-04-13
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: Account Recovery Specialists, Inc. (KS)

On XX/XX/XXXX, I pulled my credit report and noticed that Account Recovery Special is reporting and trying to collect on an account which they state was opened on XX/XX/XXXX, for {$360.00}. Please note that I have never entered into a contract with Account Recovery Special. In addtion, pursuant to Kansas Statutes, more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account. 

On XX/XX/XXXX, I wrote to Account Recovery Special indicating that I disputed the alleged account and that the Statue of Limitation had run. They received my letter on XX/XX/XXXX. Today, XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged account.