davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Wildhorse Financial Services, LLC (CA)

I wanted to check rates for a refi on a vehicle. The gravity lending site said for me to enter my info for pre approval. I entered info and at the end they asked for social security number ( optional ) I declined to enter. They called me with estimated rates and the officer asked if I wanted to apply and I said not yet. I needed to speak with my husband. I was puzzled because he knew my exact credit score and info on a few of my accounts. I asked how he knew so much since I hadnt provided my ss number and he said oh its a soft pull we dont need your ssn for that. We wont apply until you agree. XXXX minutes lates I get an alert of a hard pull from XXXX XXXX XXXX  which was the loan that XXXX from gravity loans was offering me. I didnt agree to my credit being pulled. When I called gravity loans I was told thats how it works. They dont need your ssn to run your credit. If you input your name, address, etc they have permission. He advised me to read the fine print. Which tells me theyre purposely trying to trick people. Careful with bank rate and gravity loans.
Consumer complaint received 2021-04-15
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. (NY)

I have a scam on my credit report and cant verify it Experian refused to remove I XXXX score XXXX The hone number XXXX
Consumer complaint received 2019-10-18
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: Experian Information Solutions Inc. (GA)

ON XX/XX/2019 ACCOUNT XXXX FROM XXXX SHOWING CHARGE OFF AMOUNT OF {$1500.00} WAS REMOVED FROM ALL THREE BUREAUS AND NOW AS OF XX/XX/2019 IT HAS REAPPEARED AGAIN ON BOTH EXPERIAN AND XXXX XXXX, THESE NEEDS TO BE DELETED SINCE THIS AFFECTING MY CREDIT SCORE!
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

Our mortgage got sold to Shellpoint Mortgage a few years ago. My sister and I have paid our mortgage on time every month. Shellpoint adds hundreds of dollars a month in arbitrary fees making it impossible to keep it paid up. Last XX/XX/XXXX they sent a letter saying they were going to foreclose on our house due to these fees. I got the money ( over {$2700.00} ) to pay them. In XX/XX/XXXX of last year they sent me a letter saying we were paid up.Then in XX/XX/XXXX of this year the payment statement said we had extra fees of {$660.00}! It has increased every month since then. I have talked to them and sent letters to no avail. This week they sent us a letter similar to the one we had last XX/XX/XXXX saying they were going to foreclose due to these fees again. They say now we owe {$5400.00} in fees. I don't have any money to pay that and shouldn't have to. I have talked to a lot of people I know and they don't have these kinds of fees to pay and we have never had them either until we got Shellpoint as our mortgage company. 

In 2006, we made a big mistake in trusting the husband of a co-worker who promised us to get us into a fixed rate rather than the adjustable rate. We met with him 3 times. He ended up giving us another adjustable rate which we didn't know. He also had our house ( that is old and falling apart ) appraised for three times more that it was worth so increasing our payment by a lot of money. We did not get money from his refinancing but we found out years later that he had two checks written out for him with our money for over {$50000.00}. I tried to get help with this mess back then and NO ONE would help us. We have lived in this house for over 25 years and we will never own it and we have paid a fortune for it! When we bought it, it was for {$120000.00} and when he refinanced it, the loan was for {$380000.00}. Our lives have been miserable since this happened. We have our mother and adult nephew ( who doesn't work ) living with us so it is important to have a place for us to live! We have tried everything we know how to do to keep this house.
Consumer complaint received 2019-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc (AZ)

tried contacting this collection company as they are reporting a bad/negative report on my credit profile and keeping me from obtaining other loans and continuing to damage my credit profile and reputation, they have failed to provide me a copy of the loan agreement, original balance, or anything bearing my signature that substantiates I am responsible for this account. i disputed this negative report through the other credit bureaus and came back as validated but no reason or documentation stating i signed for the loan. they are reporting on my credit report, they have the legal responsibility to validate upon request an account in question, and have failed to provide me with the documentation necessary for me to actually validate and/or dispute this account. i have exhausted all my options in order to resolve this negative report but im not getting nowhere. CFPB please help me get this negative report from my credit as i am trying to build my credit for the future of my family. this is clearly a result of identity theft but Ad Astra Recovery Inc validated it as a valid debt and requires me to pay the amount or will not be remove from my credit report
Consumer complaint received 2019-10-18
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: Kentucky Higher Education Assistance Authority (GA)

I have been having issues with Kentucky Higher Education and my  credit report. Recently ( this year ) they updated my credit report with late payments from back in XXXX XXXX and I WAS STILL IN SCHOOL! These late payments are impossible when I have been in school since XXXX and I recently graduated ( this year ) I was not supposed to be making loan payments and the representative made it seem like they would handle payments deferred while I was in school. Now I have derogatory accounts showing up and it is only from school loans when I WAS IN SCHOOL! I want these accounts updated because they are affecting my credit score
Consumer complaint received 2016-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

My student loans ( Sallie Mae ) are reporting as charge-offs on my XXXX credit report. I applied for forbearance and was approved. I received an alert from XXXX and noticed my credit score was greatly impacted due to my student loans reporting incorrectly. I 'm confused because on credit bureau is reporting them as charge off, XXXX is reporting them as positive Installments, and XXXX has deleted them entirely. I 'm not certain which credit bureau is reporting correctly. I 'm not certain what to do at this time. Within the last year, I have been paying my bills in a timely manner. My credit score has decreased from a XXXX to a XXXX. Please help by forwarding my complaint to the correct party. The credit bureaus are reporting incorrectly.
Consumer complaint received 2019-07-04
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: AES/PHEAA (OK)

I enrolled in school ... ..and I applied for federal and Pell grants ... ..I did apply for any loans and now I'm stuck with this on my credit ... ... .they have already passed loan forgiveness ... ... please help????
Consumer complaint received 2019-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Bank of America in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This account with FRAUD CHARGES being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : 1 ) Bank of America XXX. Date opened : XX/XX/XXXX. Closed date : XX/XX/XXXX. Limit : {$15000.00}. Balance {$0.00}. Status : Closed. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

Attached : Letter sent to Bank of America and FTC Report.
Consumer complaint received 2019-10-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (MD)

Hey I attended this trade school calledXXXX  careers I completed the program and once I completed the program their certificates that they hand out or not recognize anywhere I was in able to find a job and it was a complete waste of time they made me take out a student loan in order to complete the course and once I finish the course they billed me on top of my student loan an extra bill I discuss this with the other credit bureaus and disputed it with the credit company and it was taken off to All state careers I completed the program and once I completed the program their certificates that they hand out or not recognize anywhere I was in able to find a job and it was a complete waste of time they made me take out a student loan in order to complete the course and once I finish the course they billed me on top of my student loan and extra bill I discuss this with the other credit bureaus and disputed it With XXXX as well and they refused to take it off XXXX XXXX and XXXX  I believe has taken it off the collections please can you look into days to remove this account from my collections account of any of the three credit bureaus
Consumer complaint received 2022-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : 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 Best Regards,
Consumer complaint received 2022-10-11
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (FL)

ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/XXXX WAYPOINT RESOURCE GROU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious WAYPOINT RESOURCE GROU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I am writing a c omplaint regarding how AmeriHome Mortgage has been handling my escrow account. I can not    get a straight answer if they HAVE or HAVE NOT paid my property taxes. I have made numerous attempts to get this resolved, now I am behind on my property taxes and I do n't know whether I am current or not. AmeriHome Mortgage advised me I am current and i 'll get a check back, however the city and county says otherwise.
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Please I need your help.
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Date : 2016 Amount : tax owed {$5600  .00}
Consumer complaint received 2021-04-15
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. (SC)

There is an account reporting on my credit report that is incorrect. I didn't authorize this account and it's violating my rights according to FDCPA. Any bad debt furnished on your credit report is running your reputation and it's defamation of character. 

PLEASE REMOVE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT AND PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT. 

XXXX XXXX XXXX # XXXX {$15000.00} Payment {$260.00} THIS ACCOUNT IS CAUSING ME ALOT OF EMOTIONAL DISTRESS FOR ME AND MY FAMILY AS WE ARE NOT ABLE TO CLOSE ON OUR HOUSE BECAUSE OF THIS ACCOUNT. I DID NOT AUTHORIZE THIS ACCOUNT. I'M REQUESTING THIS ACCOUNT TO BE REMOVED.
Consumer complaint received 2019-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

To whom it may Concern, Please please HELP. My mortgage was sold to STATE BRIDGE MORTGAGE  in XX/XX/XXXX. Its been nothing but FRAUDULENT activity on my account. I noticed my payments were going up every year, remind you I was with XXXX for 7 years and my payments never increased. I requested all my. ESCROW Analysis since XXXX and this company have been overcharging my escrow account. The numbers Not adding up. By LAW I am required to keep a certain amount reserved. They have OVERCHARGED my account since XXXX. I should have been paying around XXXX a month for XXXX, yet they said my payment was {$1000.00} I paid for that year. XXXX my taxes and insurance was cheaper my payments were supposed to be {$950.00} and yet this company said its {$1000.00} every years its an XXXX Shortage in my mortgage. I added up my insurance and taxes and my Fiquers is still less. Same thing in XXXX. I just noticed when my insurance company contacted me about an overage check I never received. This company has so many. Complaints on XXXX. I have been sending my payments and do not want deposit it. I refuse to keep paying my mortgage until Im sure of the correct amount. This company doesnt answers phones, dont return call. You can never speak with the ESCROW department everything has to be email or faxed. Then they sit on it or throw away.. I need answers ASAP. This company owes my money from XXXX til now for over payments. I have requested information more than 10 times Im only getting the run arounds. Its not Fair what this company is Doing to us paying CONSUMERS. Its ILLEGAL, I cant afford a lawyer, I wish I could because this has stressed me out and is affecting my health. I cant believe these crooks / liars. I dont think this company is legit. It sounds as though they operate from they houses. Definitely unprofessional, rude, Thiief and Liars. Please please someone please help!!! This Company should not be In business. I work to hard for this Company to be overcharging my ESCROW to make my payments higher and pocket the money, Im not sure whats going on. I have copies of my Escrow Statements and after reading all the other complaints about this Company and Escrow problems. I Am not alone. I will also file a complaint with HUD. This is Unacceptable and Illegal. I have also requested my PMI be removed. They will not respond. 
My name is XXXX XXXX, best contact is email : XXXX Company is StateBridge Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX My loan number is ; XXXX
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that AD Astra Recovery would verify the debt. So I took it upon myself to ask AD Astra Recovery for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (CA)

This company debit my account before they day they should have because of a mistake and they drove my account negative and I got charged {$100.00} dollars in over draft fees, I have tired repeatedly to get help but with no luck I keep getting the run around always telling me we we will give you refund but we need to wait until it post to your account once it did post it was not pending I reach back out to them, then they tell me now I need to wait until my bank reverts the charges before they can give me a refund. They only have a chat customer serves and I fell it is just a AI responding because all the answers are in the same format.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX-XXXX-XXXX my DOB is XX/XX/XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XX/XX/XXXXXXXX XXXX XXXX XXXX , XXXX, OH  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, OH XXXX