davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
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: EQUIFAX, INC. (TX)

XX/XX/XXXX requested deletion of several inaccurate un verified accts. texas atty general child support ( equifax never investigated ) XXXX  credit card ( Equifax said updated info ) XX/XX/XXXX 2nd request atty general ( never investigated ) I sent copy of court papers. still nothing. XXXX card asked for delete of inaccurate unverified acct. ( Equifax said updated ) still reporting incorrect info. during this time XXXX and XXXX deleted these accounts due to not being able to verify acct. XX/XX/XXXX third request to delete inaccuarate unverified accts. sent second court document for atty general ( no investigation done ) XXXX account I asked for who, how and documents on investigation and received nothing accept ( verified )
Consumer complaint received 2023-02-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Received a letter from Bank of America that somebody tried to apply for a Credit card using my name. I called Bank of America and notified that I didn't apply for the card and I don't recognize this activity. I also called XXXX XXXX and notified them and they put a freeze on my account. I have no idea how my personal information leaked out.
Consumer complaint received 2018-08-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE (TX)

I closed on my house XX/XX/XXXX. On XX/XX/XXXX I was contacted by a loan officer from the mortgage company that my closing lender shuffled me off to. He told me all kinds of great things like skipping 2 months mortgage, saying I would get back XXXX dollars, and pay XXXX which would be added to the end of my loan. This is the deal I consented to and signed on XX/XX/XXXX. Then I was told " Trump changed the rules on IRRRLs '' ( so far as I can find he did not ) and we had to wait till XX/XX/XXXX. Well on XX/XX/XXXX they sent me another loan estimate. This one was me paying them XXXX in closing costs at the end of my loan, and XXXX in cash at close from me. I suspect they didn't think I would read it because when confronted they said it was a mistake, and they would fix. ( It was a clear bait and switch ) but now instead of XX/XX/XXXX it was XX/XX/XXXX ( Trump changed the rules again they said ) I asked him how sure he was this time that It would close on the XX/XX/XXXX because I was going to budget that month without the mortgage payment needed. He said mortgage payments aren't late till after 30 days so If I just cancel the auto pay it would be fine. Now as of XX/XX/XXXX I got another new closing disclosure. This one saying XXXX in closing costs and XXXX in cash to close. ( another bait and switch ) After playing phone tag ( They ignored my emails for 3 days until I called them out on it ) Now apparently an IRRRL requires another appraisal ( not according to XXXX XXXX XXXX ) and they have to get cash to close. If this isn't illegal it is at the very least immoral and unethical buisness practice.
Consumer complaint received 2018-08-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHECK INTO CASH INC. (CA)

XXXX keeps calling my wife and children. We do not know the name of the company as when I try to speak to him he repeatedly says things too fast so I do not understand what he saying. Hes been told by my wife not to call her phone number of the children anymore. Hes been told by me not to call the children anymore or my wife. He is also calling other friends and relatives harassing me despite the fact I have spoken to him personally. The phone # is XXXX Hes also telling me I am being sued even though I have done research and found that there is no lawsuit against me right now. Hes making false threats.
Consumer complaint received 2018-08-29
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. (AR)

In XX/XX/XXXX I disputed an inaccurate account with Experian credit, Bureau,, the account was XXXX XXXX XXXX, # XXXXin XX/XX/XXXX they replied back saying the account was verified. onXX/XX/XXXX I sent Experian a certified letter asking for they METHOD OF VERFICATION, ,i am a  consumer and I have rights to see and know how they verified the alleged account,, I have copies of the certified mail receipt and I enclosed the letter I sent to Experian on XX/XX/XXXX, they received the certified letter on XX/XX/XXXX On XX/XX/XXXX Experian sent a notification to me saying they have completed the investigation on the XXXX XXXX Account # XXXXsayng it was verified, I am a consumer and I have rights and its not fair they Experian can investigate the account and not send me what I requested on XX/XX/XXXX.. I have a copy of the letter I sent to Experian asking for the METHOD OF VERFICATION, THEY HAVE VIOLATED MY RIGHTS AND REFUSED TO SEND ME THE METHOD OF VERFICATION TO ME AS I ASKED,,, THIS IS NOT RIGHT FOR THEM TO NOT SEND ME THE INFORMATION I ASKED FOR, EXPERIAN NEED TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE,,,, I HAVE RIGHTS TO SEE THE PROCEDURES OF THE METHOD OF VERFICATION ... .IT IS AGAINST THE LAW AND I AM GOING TO FILE A SMALL CLAIMS IF THIS ACCOUNT IS NOT REMOVED FROM MY FILE,,, EXPERIAN HAVE VIOLATED MY RIGHTS,,, I AM ENTILTED TO SEE THE METHOD OF VERFICATION ... THEY ALREADY HAVE FAILED TO SEND ME THE PROOF OF ORIGINAL CONTRACT WITH THE ACCOUNT THIS IS MY LAST LETTER ASKING THIS ACCOUNT NEEDS TO BE REMOVED,,, I AM GOING TO MY COURT HOUSE AND FILE A SMALL CLAIMS FOR THE NON-COMPLIACE WITH EXPERIAN,,,,
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I called experian twice last week and today XX/XX/2022 and spoke with a guy that told me he cant update my personal after the guy last week was suppose to dispute this information because it was not reporting correct on my report and he told me that he couldnt dispute take off. As continued to tell him that this is reporting inaccurate on my report he kept saying he cant and wont take it off to update my information correctly.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have a closed a count on credit report which has disputable closed dates showing on experian XXXX  and XXXX. Experian shows that the account was closed XX/XX/17, XXXX is showing the account closed XX/XX/17. This information isn't consistent on reports.
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Acct # 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 2020-02-04
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. (NM)

Experian dropped my FICO score by 23 points twice within the last three months. In that time my financial information and status did not change. Not one of the variables changed for which a FICO score would be proportionately impacted. Credit card utilization, credit hard inquiries, payment history, variation of debts used have all been relatively the same, yet my credit score dropped 23 points on XX/XX/XXXX, and after going up 23 points on XX/XX/XXXX dropped again on XX/XX/XXXX for no apparent reason. If Credit card utilization, credit hard inquiries, payment history, variation of debts used have all been relatively the same there should not be any change in my FICO score. Given that my FICO score has had an upward trend in the last year, it seems that the apparent method being used to calculate my credit score is inconsistent. If any change, my financial status and the upward trend of my credit score should be reflecting an increase in the FICO score, not drastically dropping my score. The scoring model is inconsistent and does not keep to a standard.
Consumer complaint received 2018-08-30
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. (AZ)

Called Experian on XX/XX/2018 to find out why there was freeze without consent on my credit bureau. After being on the phone with them several times ; the agent finally told me that the pin number associated with my credit file was being mixed with someone else 's credit file. 

They have no idea how long this was going on and the agent told me he could not fix the error on his end because the systems were down. I told him they were ruining peoples lives doing stuff like this and he agreed and apologized, but, again said there was nothing he could do. 

This means my credit scores were being mixed with someone else and i have NO IDEA WHAT THEIR CREDIT IS LIKE! I was being turned down by different companies who used experian as their default company to check credit and was not understanding why i was being turned down, because everything on my credit report as far as i was concerned was perfect. It wasn't until i became aware of these developments, that everything started to make sense and the individual on the phone actually agreed with me in stating that this was affecting my credit report neagatively since our reports were being mixed together. 

I consider this fraudulent practices/behavior and i demand immediate reconciliation from experian and I might even consider legal repercussions because i am aware of my rights under the FCRA laws, and this is a blatant disregard of said laws and i know under these circumstance that i could be eligile for financial restitution.
Consumer complaint received 2018-08-30
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( Experian, XXXX, XXXX ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, Experian, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Experian, XXXX ), XXXX XXXX XXXX Acct XXXX ( Experian, XXXX   ), XXXX XXXX XXXX Acct XXXX ( Experian, XXXX, XXXX ), XXXX XXXX Acct XXXX ( Experian ), XXXX XXXX XXXX  Acct XXXX ( Experian, XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX, Experian ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX  Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX   Acct XXXX ( XXXX ).
Consumer complaint received 2018-08-30
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: Experian Information Solutions Inc. (PA)

XXXX XXXX on behalf of XXXX XXXX appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with Experian and XXXX XXXX to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and Experian and XXXX XXXX. There seems to be a pattern with XXXX XXXX on my credit report I'm opt out for promotional or marketing on my credit file. Experian seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Most of the accounts in adverse sections are past 7 years reporting and the others are basically duplication 's XXXX  XXXX never delinquent, XXXX  not mine.XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX duplication 's exceeding 7 years reporting.XXXX  XXXX  Paid agreed. XXXX XXXX never delinquent being paid as agreed. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX are paid accounts that exceed the 7 year reporting.
Consumer complaint received 2018-08-30
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: Clarity Services (PA)

XXXX XXXX  on behalf of Clarity Services appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with XXXX   and Clarity Services to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and XXXX and XXXX XXXX. There seems to be a pattern with Clarity Services on my credit report I'm opt out for promotional or marketing on my credit file. XXXX  seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.
Consumer complaint received 2018-05-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (VA)

XXXX XXXX XXXX took money from me to be a moderator. His name was XXXX XXXX. He never did nothing I lost out on modification now am facing foreclosure because money I gave him was to make a trial payment.
Consumer complaint received 2018-08-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (LA)

I made a terrible mistake and borrowed private student loans 3 different times in XX/XX/2006. I believe I borrowed XXXX now XXXX XXXX XXXX  owns the loans and they have me owing XXXX. The rate was a balloon rate. I tried paying them what I could but the balance kept going up each month. Now they sued me and placed garnishment against me. They are impossible to deal with. I dont feel I owe them this much money and they have not provided a detail print out of y it is this much.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (MA)

Dear Federal Consumer Financial Protection Bureau, I hereby submit a formal complaint against Shellpoint Mortgage Servicing ( SMS ), headquartered at XXXX XXXX XXXX XXXX, XXXX XXXX, NY, alleging unauthorized and unwarranted charges, specifically pertaining to Private Mortgage Insurance ( PMI ), and coercive practices regarding escrow accounts. This complaint is lodged with the utmost urgency to the Federal Consumer Financial Protection Bureau ( CFPB ) for investigation and remedial action. 

Background and Grievance : Unauthorized PMI Charges : Since XX/XX/XXXX, SMS has unilaterally increased my monthly mortgage payment by {$260.00}, attributing this augmentation to PMI costs. This imposition has been effected without my consent or prior notification, contravening established financial practices and agreements. Notably, this charge is unjustified as I made a down payment exceeding 20 % of the property 's value at the time of purchase in XX/XX/XXXX. The imposition of PMI under these circumstances not only lacks legal basis but also imposes undue financial hardship, exacerbating my financial obligations amidst timely mortgage payments. 

Escrow Account Coercion : Furthermore, XXXX  has mandated the payment of property taxes and homeowner 's insurance through an escrow account managed by them, thereby circumventing my right to settle these payments directly with the respective municipal and insurance entities. This directive not only restricts my financial autonomy but also subjects me to additional fees, which SMS imposes, presumably under the guise of administrative charges. Such practices are not only predatory but significantly inflate my financial burdens without offering commensurate benefits or justifications. 

Request for Action : Given the above, I respectfully request the Federal Consumer Financial Protection Bureau to : Initiate a comprehensive investigation into the practices of Shellpoint Mortgage Servicing, especially concerning the unauthorized imposition of PMI charges and coercive escrow account policies. 
Compel SMS to provide a detailed justification for the imposition of said charges and practices, including the legal basis for such actions. 
Direct SMS to refund any unwarranted charges levied on my account, specifically the excess PMI payments collected since XX/XX/XXXX. 
Implement stringent regulatory measures to prevent recurrence of such unauthorized practices by SMS or similar entities, safeguarding consumer financial interests. 
I trust that the CFPB will take immediate and decisive action in this matter, ensuring adherence to legal standards and the protection of consumer rights. I am prepared to provide any further information or documentation as required. 

Sincerely, XXXX XXXX XXXX Account Information with XXXX : XXXX
Consumer complaint received 2022-07-09
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. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # 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 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ref. : Ditech Loan # XXXX, XXXX Loan # : XXXX E-mail : XXXX XX/XX/2019 XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : I recently had an extremely upsetting and very costly experience with your organization, regarding lost by 60 points on the credit score report. As you know my loaning ( see above Ref. # ) servicing was transferred from DiTech to your company. And within the 60 day time period your company and XXXX reported me 30 days late on loan payments. I made my payment on time to Ditch before you have taken over loan servicing. And DiTech forward monies on XX/XX/XXXX ( per your CSR ) which is not my responsibility to handle. However, CSR, spoke to me that it was my fault. How rude, unprofessional and unknowledge of the requirements in place to say such statement to a customer!. I request compensation from your company, causing a negative effect on credit score and also effect on my interest rate credit cards. 
Prior XX/XX/2019, I made my mortgage payment as per contract in place. Once I received a report from XXXX, XXXX and XXXX my credit score has been packed with report of late payment. I immediately contact your company, and out of multiple calls made I was told do not be concerned and also letters. XXXX is not permitted to make note of a late payment, or report to credit scoring agencies. However, that is what you exactly did anyway!! Furthermore, out of all contacts I made to your company, only one CSR was professional and respectful to me. All other treated me like a deadbeat person. Where do you get off treating customer in such a poor manner. 
This XX/XX/XXXX, and still you have not corrected your error. Even though, you reported me late with 60 day grace period and almost immediately after XX/XX/2019. Such a swift action, but you are still not able to be as swift in correcting your error. It is amazing this how your company acts and treats a new customer. 
In an addition I am sending this complaint to Consumer Financial Protection Bureau for them have record and take further actions on your misdeeds. 
Please call me at ( XXXX ) XXXX or email that you are confirming receiving this formal complaint of misdeeds. 
Sincerely XXXX XXXX XXXX