davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

My name is XXXX XXXX. This complaint is about Amerihome Mortgage, Loan # XXXX. Property address, XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX. 
I am a XXXX  % service connected XXXX veteran who purchased a condo at the above address. Amerihome mortgage is the loan servicer. Three months ago I filed for a XXXX County SC 100 % property tax exemption due to my service connected injuries and XXXX County SC approved it. I sent it to Amerihome Mortgage to have my payment adjusted while at the same time requested an escrow analysis for the refund of over {$3300.00} in the escrow account. 
Amerihome mortgage verified my tax exemption document through XXXX XXXX and promised my payment would be adjusted and the escrow funds returned. I have spoken with them several times over the phone and been promised this is being done although to date they have refused to adjust my payment or refund the escrow funds. Every time I call I get more promises and nothing happens. Today, I emailed them that I wished to stop escrowing any taxes therefore if they refuse to honor the XXXX County tax exemption document at least I could make my Principal and Interest payment without them holding my taxes and refusing to return them. Amerihome mortgage personnel and their management team are incompetent at their positions and liars in their efforts to take my money, hold it in escrow when I have provided them everything they requested in an effort to comply with my initial request. Stay away from this mortgage lender at all cost. 
XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX  XXXX ( RET. )
Consumer complaint received 2018-10-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One Secured Credit card. I have opened up a secured credit card with this company this summer 2018. I have my 3 credit reports and Capital One refuses to report to XXXX Credit Reporting. I have called them 5 times and they refuse to comply with Federal Law and the Fair Credit Reporting Act.
Consumer complaint received 2022-06-12
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. (MO)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Account number XXXX appears several times on my credit under different names. I have no knowledge of these accounts and would like to see a signed contract. Also these accounts listed above dont match all 3 credit bureaus have different information on each accounts, Different dates and amounts etc. I have sent several letters trying to get this taken off my credit with no help.
Consumer complaint received 2022-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm submitting this CFPB Complaintin accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. When I checked my credit report, I found that part of the information was inaccurate. The three credit reporting agencies must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and removed : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed XXXX {$0.00}
Consumer complaint received 2022-06-12
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. (MO)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Account number XXXX appears several times on my credit under different names. I have no knowledge of these accounts and would like to see a signed contract. Also these accounts listed above dont match all XXXX credit bureaus have different information on each accounts, Different dates and amounts etc. I have sent several letters trying to get this taken off my credit with no help.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (AL)

Hello, i recently sent a complaint over to you regarding Equifax. I have been having issues with Equifax since XX/XX/XXXX. They have some type of freeze/lock on my credit profile with them. I did not authorize a freeze. My credit score has been at a stand still with this company and my credit report is showing 0 % as if i have no credit. I have no issues with XXXX or XXXX my credit report is showing and my scores are changing. Thank God its getting better. Due to majority of the companies using Equifax to determine i assume approval i have not been able to get any type of loan or anything due to this matter with this company. I have reached out to them several occasions by phone, they seem to not keep track of the last call or confirmation number the representative gave when she spoke with me. I contacted them today XX/XX/XXXX, i explained the issue and informed them that we need to get this issue resolve asap, or i will have to seek legal help because its causing issues with approvals, i was hung up on by the rep. I can not seem to get any solution with Equifax. I really need help, an attorney that can get this case or whoever can get help get this issue resolved. I XXXX  reviews on them and there are more people that have had or are experiencing the same with this company and dont know what to do about it. Help. Someone need to investigate Equifax. This is upsetting me i will write a letter to the President of the United States about this and see if he can help me. I am trying to homeowner soon and other and I can not have this to ruin anything with getting this done. I dont want to speak with Equifax anymore Ive done all i can to speak with them nothing but issue resolved, a confirmation number and a postcard thats mailed from Equifax office location in XXXX  , Georgia saying the issue is resolved. I need help or attorney that can help me sue this company and start an investigation with them. I think this company is doing something they have no business or have been breached. I ready to take legal action on them.
Consumer complaint received 2020-12-14
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. (NC)

On XX/XX/2020 I noticed XXXX XXXX XXXX Bank also known on my XXXX  credit report as " XXXX '' account balance of {$1600.00}, to not belong to me. This account was opened as a result of identity theft, and was not authorized. I have disputed this item with the credit bureau 's and Experian and XXXX  are still reporting this incorrect fraudulent unauthorized information. This is damaging to my personal credit report and I wish to have this removed immediately under the financial burdens of covid-19 financially, I would not be approved or considered possibly for new credit if needed.
Consumer complaint received 2022-08-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian enclosed are documents of violations and fraud please read the U.S.C. CODE you are violating please take to heart I will take legal action
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

*USING EOSCAR IS NOT A COMPLETE AND ACCURATE FORM OF VERIFICATION. DO NOT USE!!!

XXXX XXXX UNVERIFIED ACCOUNT
Consumer complaint received 2018-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

I checked my credit and there is a collection from Diversified Consultants XXXX. XXXX XXXX XXXX FL XXXX. They didn't contact me in any way nor did they send me any correspondence via mail. It just appeared on my credit file on XX/XX/2018. I had this same issue 2 yrs ago with XXXX and it was deleted off my file once it was resolved due to no amount owed. I have sent them a certified letter to provide me with the original contract with my signature on it to validate this claim. This is required per the FCRA to report on my file or it's a violation of my Federal Right. Sec. 609 ( A ) ( 1 ) ( a ) and 611 sec. ( a ) ( 1 ) ( a )
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (AL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-12-14
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. (NC)

On XX/XX/2020 I noticed XXXX XXXX XXXX XXXX also known on my Equifax credit report as " XXXX '' account balance of {$1600.00}, to not belong to me. This account was opened as a result of identity theft, and was not authorized. I have disputed this item with the credit bureau 's and XXXX  and Equifax are still reporting this incorrect fraudulent unauthorized information. This is damaging to my personal credit report and I wish to have this removed immediately under the financial burdens of covid-19 financially, I would not be approved or considered possibly for new credit if needed.
Consumer complaint received 2018-10-13
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. (NV)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX  for months.XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention

they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-04-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I have an institutional loan for which servicing recently was moved from XXXX to XXXX XXXX. XXXX XXXXI has presented erroneous information on the amount due. Under the heading Amount Due, it lists an INCORRECT dollar amount. An asterisk appears, with the footnote reading " Due to possible accrued interest, the Amount Due shown is estimated for Quarterly, Semi-Annual, and Annual repayment schedules. To view your actual amount due, go to Billing & Payments to view your billing statements. Actual payment amounts due will also be displayed when making an online payment. '' However, there are no data on the Billing & Payments link. What's more, there are no billing statements to view. Nowhere on my online account does it indicate what the correct amount due is. So, how am I supposed to pay my loan without defaulting?
Consumer complaint received 2018-12-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have contacted Portfolio Recovery Associates ( PRA ) including but not limited to the following dates and reasons for complaint regarding a negative account they report to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, Re-aging an account, XX/XX/XXXX change in balance of account, XX/XX/XXXX reporting inaccuracies, XX/XX/XXXX changes to Date of 1st Delinquency, XX/XX/XXXX - Request additional information, XX/XX/XXXX request for validation of debt. They have violated FDCPA more times than I can count. Their communications state, " debt too old to sue '' yet the dates they show as support are inconsistent. They have removed and added this account from reporting to my credit file. They have changed the amount owed several times. Each time I submit a written request, regardless of the nature of the complaint, I receive the same response- a partial copy of a statement. 

Additionally, each time I have disputed with PRA, I have also disputed this account with each of the Credit Reporting Agencies ( CRA 's ), XXXX, XXXX, and XXXX. Again, I receive the same response from the CRA 's that the " account has been verified '' by PRA along with an " account information has been updated '' statement from the CRA. Every time I dispute an inaccuracy, my FICO score takes a nose dive as PRA " updates '' WRONG information. It is my belief, based on their behavior, that they knowingly and purposefully report false or inaccurate information to the credit bureaus. 

When I disputed inaccuracies in XX/XX/XXXX I received notice from the credit bureaus that they would no longer look into my complaints against PRA since the account has been " verified ''. How can an account be verified yet, each time I dispute something, the details of the account reporting change? In XX/XX/XXXX I sent notice to all 3 credit bureaus that I demanded a re-investigation into PRA 's inaccurate and false reporting on my credit reports. Upon re-investigation, guess what? The same deal, account has been " updated '' as a result of my investigation request. Each time I challenge false information, PRA " updates '' with new false information. This time they sent me a 2 line synopsis of an account showing I have a balance of {$1000.00}. YET, the " updated '' information sent to my credit bureau files shows an account balance of {$7800.00} as of XX/XX/XXXX and a last payment date of XX/XX/XXXX!  Another direct purposeful, false, inaccurate data provided from PRA. 

These ongoing direct and serious violations of the FDCPA have created a significant negative impact on my ability to obtain fair credit. As a result I have been burdened with adverse and costly credit terms or complete denial of credit for years.
Consumer complaint received 2018-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (PA)

I had several XXXX pulled earlier this year by Doctor XXXX XXXX & XXXX/XXXX, PA. My husband help paid this off directly with the XXXX PA Office and ALL IN CASH PERSONALY. The debt collector sated the bill has not been paid on or paid off withing the past 6 to 7 months. The total was paid directly with the XXXX  office and the collector stated they wanted the full amount paid in full. I hung up went they started to get loud and obnoxious. The number that called XXXX.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have disputed the late payments on this XXXX XXXX XXXX XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr.Cooper bought my loan from my original lender. Under the agreement with the original lender, this loan was not suppose to escrow/impound for property insurance. i pay that outside of escrow with my company that also handles my vehicle insurance and other insurance products. I have called them four times, and told them to abide by the original loan agreement that they purchased. They always say they escalate it and will reverse the impound, but three months into this process, they continue to impound for property insurance. It is under Mr.Cooper Loan # XXXX. My name is XXXX XXXX, at XXXX, XXXX home address XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CO)

We don't owe XXXX XXXX XXXX any money, we never signed a contract with them. We have been fighting XXXX XXXX XXXX for 3 years now. This collections was removed from XXXX and XXXX, but still remains on my XXXX   credit report.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

Experian charged my husband 's card without his permission twice for services that he did not ask for. He simply used his card to check his credit report and they continued to charge him for other services. When we called Experian, they denied that they had charged us so I had to call my bank several times to dispute the charges. Two weeks later, we noticed they were doing the same thing to my card. The charges were disputed. All of the money was returned, however, I have read so many complaints online about this same situation. This needs to stop. This isn't right.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In 2018 I had my truck towed in to shop for repair ( XXXX XXXX XXXX during this time I lost my job and called XXXX XXXX to ask if they could work with me while I find work.. they was very nasty and said that they needed to pick the truck up on repo... I told they that I surrender the truck and where the truck was located, which they knew because the truck had a tracking system on it ... they call me a year later asking for truck I replied you said you was picking it up, far as I know they did pick it up at some point. However they send me letters every month asking for balance that was remaining on truck in XX/XX/2018, they report in to credit agencies every month that I'm late and passed due... I tried taking with the credit reporting agency and XXXX XXXX about this, however you can't talk to XXXX XXXX they are not nice at all and credit agencies will not truly investigate and fix the reporting errors .... I paid and still pay credit repair company but they same to get same response .... I done research a this is an ongoing problem with XXXX XXXX... aswell as credit agencies allowing this type things to happen over and over by same company... .this has be going on for 4 years, haven't had that truck that long and it still being reported as if I have it and late pay every month... that fraud within itself ....
Consumer complaint received 2024-02-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

XXXX XXXX  signed a phone to my account which was for my divorced since 2009 Ex husband who never was on my account. Nor did he or anyone have authorization to add his purchase or ease of a new phone. I have disputed this.