davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-30
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: Optimum Outcomes, Inc. (GA)

These accountst should not be on my credit report. XXXX has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with optimun outcome. 

There is an account with XXXX XXXX in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.
Consumer complaint received 2023-01-13
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. (MD)

My student loans Ive been fighting since their first lawsuit, was finally excepted with their second lawsuit and I was approved XX/XX/2022, the discharge of XXXX percent shows to be removed within XXXX  days XXXX  past that by XXXX  days, its affected my score every month within the XXXX  days on top of over the years by about XXXX points, thats not fair, their twos are harassing me and marking me feel like law is hopeless and that I need to be scared or depend on something other then my rights and law plus their letter.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

My first complaint filed was not resolved I have my complain to Mr. Cooper about my assumption rights-submitted documents they requested them saying didn't get a probate papers advised me to resubmitted the require document to start the assumption process Unlawful While I started assumption process over 6 months ago they still violating the regulation X and the Garn-St law my moving to sell the house even if Im going through the assumption process.

See, all attached.

Which clearly shows while on the same day Cooper Representative saying they are not in violation of the law they moving in court to schedule the sale of the property Case XXXX XXXX XXXX Circuit Court
Consumer complaint received 2021-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (GA)

On XXXX Consumer Adjustment Co inc. aka CACi, responded to my complaint against their criminal fraudulent practices which has resulted in negative impact to my credit reports by falsely claiming that they had requested the credit bureaus to remove the Odious Debt Collection from my credit report with the caveat that it may take up to 30 days. This is a bold lie on their part, as the odious debt collection was initially removed less than 2 weeks ago only to again be added back to my credit report this week by CACi. Furthermore, CACi, sent my an encrypted email with specious documentation which they submitted as legal validation of the odious debt collection. The documents submitted provided absolutely no substantiation that I was legally obligated to pay the alleged debt or that the debt in question was ever even mine. The " validation documentation '' submitted by CACi, was no more than a series of meaningless images of various medical affiliations and an invoice billing me for the amount they alone claim I owe with a statement that as a result of their own investigation they have determined that the amount they claim against me is valid. In short, the documents were completely meaningless, providing no legal validation as demanded by me of the odious debt collection CACi has fraudulently placed on my credit reports!
Consumer complaint received 2022-02-04
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. (AZ)

Today XX/XX/21 I set out to freeze my credit with the 3 major credit reporting agencies. As I understand it, to protect my identity without having to pay for it, I need to freeze my credit with these 3 companies. This process was difficult and time consuming. In addition, it didn't work with one of the agencies. Below are my comments/complaints about each : Experian was by far the worst. I created my free credit report account. This went easy. However, when I tried to freeze my credit they wanted to sell me expensive identity theft products and wouldn't give me the ability to perform this task. Instead, they sent me to another website and ask for all the same information. I gave them all my data and then they came back with a message that they couldn't freeze it and that I had to mail personal information to them. Why can I open an account that shows my credit report, allows them to market products to me but yet they will not freeze my account like the other two agencies do? 

XXXX doesn't make it easy to find the free credit report and freeze service. I went down the wrong path and ended up subscribing to a $ XXXX service. Their customer service center was good about canceling it and telling me the secret URL for the free service. Once I had that all went well. 

XXXX - This was by far a much easier organization to work with. The home page directed me to the free service and I was able to get my free report and add the freeze all in one location without any hassle.

It is my opinion that there should be one website that handles this for consumers. These agencies should be required to work together and make and manage this site. This is a cost of using my data to sell products.
Consumer complaint received 2019-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (AZ)

LoanCare has not provided a lien release on our home. The funds were wired from our XXXX XXXX   account on XX/XX/XXXX. I did not realize release had not been done until early XX/XX/XXXX when my wife and I was in the middle of another business tranaction. This has caused that process to be stopped until this gets resolved. My first call to LoanCare was on XXXX at which time I was told by servicer it would be resolved within 3 business days. I checked with county recorder website on XXXX and release had not been done. I called back immediately on the same day and was told it would now be escalated and an e-mail sent. The e-mail stated I would be contacted in 3 business days. This did not occur. I called again on the XXXX and servicer including manager told me it would be done in one more business day and I would receive a call with update. That again did not occur. I called today XXXX and was told again they had no further information. I asked to speak with manager and I am still on hold ( 20 min ) Every time I call in, which requires me to provide my loan number I am informed I have a {$0.00} loan balance. I can not complete my current transaction until this is resolved. I just spoke with manager, XXXX and was told each time I call it goes to the company 's escalation team and their lien release department was informed on XXXX. Manger told me lien release department does not accept phone calls, there is nothing else I can do. 
The quality and professionalism I have received is unacceptable and I am asking for your intervention. 
Thank You
Consumer complaint received 2019-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TN)

THE COMPANY IS CHARGING MORE AND MORE ON INTEREST ETC. I WAS TOLD IN XXXX TO MAKE A PAYMENT AND I WILL GET AN EXTENSION IN XXXX. I CALLED IN XXXX TO PAY A PARTIAL PAYMENT WAS TOLD BY THE REPRESENTATIVE THAT I WAS NOT DUE UNTIL XXXX ALL NEED TO PAY WAS XXXX DOLLARS. I TALK TO SEVERAL REPS WHO DID NOT MAKE SENSE ON WHY I WAS TOLD THIS AND IT IS MAKING ME BEHIND IN MY PAYMENT. THE COMPANY HAS COMPLAINTS OF HOW CUSTOMER SERVICE AND THE COMPANY GIVES WRONG INFORMATION AND HOW THEY ADD INTEREST THAT MAKES THE PAY OFF HIGHER. THERE IS A CLASS ACTION SUIT AGAINST THIS COMPANY
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

I have tried for several months now to get one simple question answered. How much do I need to pay off in order to get one month off the back of the loan. No one can answer me. I am concerned because according to the amortization schedule the loan should be finished in a shorter time because I paid off 3 moths but the statements are not reflecting that I paid off those months. I already filed a complaint with this " Consumer Financial Protection Bureau to no avail. Complaint # XXXX BUREAU WAS NO HELP. The mortgage lender, Mr. Cooper, responded to my complaint by setting up an auto response email that said nothing of value and attached a copy of the amortization schedule. I already have that on the on line account! I DONT NEED ANOTHER COPY. The email says contact them if I need anything else so I did, and what did they do? THEY SENT ME TO ANOTHER ROBOT THAT SENT ME ANOTHER AMMORTIZATION SCHEDULE!! No phone number to call, no response, just the same statement to contact them if I need anything else. What kind of world is this? I can't get any help from Mr. Cooper or from this terrible useless Consumer Financial Protection Bureau. It is CLEAR no one cares, no one is there to help and this agency is completely useless.
Consumer complaint received 2021-10-28
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: Mountain Run Solutions, LLC (FL)

A company I worked for used XXXX as a security system. They were later purchased by XXXX XXXX XXXX. The company closed in XXXX and the office was closed and the services were canceled in XX/XX/XXXX. There was a credit balance on the account of {$14.00} at the time and the were to issue a refund. The refund never came. 
Last week I received a collection on my personal credit report for {$520.00} This was never my account to begin with. I have never received any notices about a charge. The business account was closed over 2 years ago. 

I have called XXXX XXXX XXXX and they said they could not do anything. I asked to talk to a supervisor and after over an hour they hung up on me. 

I called Mountain Run Solutions and the call went to voice mail. 

I want this off my credit report.
Consumer complaint received 2022-10-10
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. (CA)

in accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 with antedates the report by more than seven years.

15 U.S.C 168sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NJ)

I am a practicing XXXX XXXX and I value my Sundays, my worship days, my rest days. Chase used two phone lines to call me and collect " debt '' that I DO NOT OWE! an FTC report has been filed. The two phone lines CHase has been calling from were : XXXX ( Florida ) and XXXX ( XXXX XXXX, TX ). The calls spanned anywhere from XXXX XXXX to XXXX XXXX. These phone calls not only disturbed my days of rest, but has given me too much anxiety, to the brink of panicking throughout the day. These calls were barbaric and unbecoming. They contribute negatively to my mental health.
Consumer complaint received 2018-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MCS MORTGAGE BANKERS, INC. (NJ)

The Mortgage Company ( XXXX XXXX XXXX ) gave us 10 days from the date of closing ( XX/XX/2018 ) to meet specified conditions as per the appraisal company to make the property habitable. The date specified was XX/XX/XXXX. We met the guidelines and there were instructions as per XXXX XXXX with XXXX XXXX to release the escrow holdback of {$10000.00}. We still have not received our monies and are in jeopardy of being late on mortgage and car payments.We requested the money to be wired and were denied. Also we were promised a lender credit, there was never a rapid re score so as a result we were locked in at 5.7 interest rate but we're assured we would get a lender credit. I am attaching the proof. Also XXXX XXXX the VP provided tracking numbers as well, and said they would cancel the first check and would overnight a new one, tracking was provided. Now the check is lost. Her reply was they need to locate the check, why have they not wired us the money. There is so much wrong here and I will be filing suit as well. Please advise as quickly as possible. Thank you in advance.
Consumer complaint received 2022-12-02
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: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal Credit Union has reported a charge off on my credit report. It is illegal to post income on my consumer report. According to the IRS, a charge off is income that the company has to file on a 1099-C and they never sent me a copy of the 1099C. Furthermore, I never gave written permission for this information to be furnished and they are violating my right to privacy. 
Account XXXX Account XXXX
Consumer complaint received 2022-10-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

On XX/XX/XXXX, Experian received my dispute letter but never responded. I sent a notarized letter through certified mail along with a copy of my drivers license and utility bill. I sent another certified letter along with supporting documents. Experian received the second letter XX/XX/XXXX but, again, never responded to my disputes.
Consumer complaint received 2021-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Upon doing research on my credit report, it appears that ARS is reporting 2 collections under my name for act # XXXX and # XXXX. I've contacted this company multiple times on numerous occasions for validation and they are not responding to me. I have never done business with them, and I do not have a signed contract. I have the right to demand to see a signed contract between ARS and myself. I have never received any correspondence from this company to give me time to validate my debt and this company has failed to respond to any of my letters that I sent out to them. The mentioned accounts are from XX/XX/XXXX for {$1900.00} and the other is from XX/XX/XXXX for {$880.00}. Because this company failed to follow the law the mentioned accounts need to be removed from my report at all credit reporting agencies.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

All three bureaus XXXX XXXX, XXXX and Equifax are reporting incorrectly on credit report. previously account was stating account status of derogatory by all three bureaus with a date opened of XX/XX/XXXX by XXXX XXXX XXXX and Equifax reported XXXX XXXX. Account with stating as payment status of collection/Charge off and derogatory. reporting date of last payment of XX/XX/XXXX by XXXX XXXX and XXXX while Equifax reported date last payment of XX/XX/XXXX, XXXX on the other hand payment history was reporting OK as agreed by Equifax from XX/XX/XXXX all the way through XX/XX/XXXX while XXXX reported consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. Making no sense with data reported on date of last payment dates do not make sense do not match. after I dispute it with all three bureaus for inaccuracies results came back still incorrectly. Data that was being reported on date of last payment has now been removed leaving nothing to show by all three bureaus. Payment history, Equifax deleted OK as agree and replaced it with consecutive charge of all the way. This is not acceptable and I do not tolerate this type of inaccuracies. Account is now reporting a account status of being closed by all three bureaus and XXXX and Equifax have have change the date open to XXXX XXXX, XXXX. Stating incorrect date last active. There is no way that all three bureaus can be correct if information is coming from the same furniture data.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MO)

I have contacted my current student loan servicing company and the Federal Student Aid office to obtain the original loan application for my spousal consolidation loan as well as my Master Promissory Note. I was told by MOHELA that I would receive my MPN emailed to me within a couple of business days. That was on XX/XX/XXXX. I have sent follow up emails and still have not received a response. I was told by MOHELA to contact the Federal Student Aid office to get a copy of the loan application for my spousal consolidation loan. The FSA told me to contact MOHELA. This was also on XX/XX/XXXX. I have sent multiple emails and have received nothing. I would like a copy of my Master Promissory Note and the original application for my Spousal Consolidation Loan.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

I looked at my XXXX credit inquiries and noticed an AMEX inquiry created on XX/XX/2021 for an application of new credit. I Immediately on XX/XX/2021 put a Fraud Alert and froze all 3 of my credit companies ( XXXX XXXX, XXXX, XXXX ). This morning on XX/XX/2021 I had AMEX search their system for an application with my phone number and SSN #. The wrong phone number was attached to a credit application with my SSN, this application was marked as fraud and the request was rejected/deleted from their system along with a request to remove the inquiry from my credit score. 

A second credit opening request was made at XXXX XXXX on XX/XX/2021 and this was marked as fraud without my knowledge and removed from my credit score. Location of the bank is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX was called and they too marked this as fraud in their system. All of this occurred without my knowledge and I was informed of the process by XXXX XXXX on XX/XX/2021 As I said my credit is now frozen because someone is making numerous, and very recent attempts to take credit out in my name. The only incident that stands out for when/where my social may have been leaked is through the Texas XXXX site after requesting a change of address on my drivers licence. That request was placed on XX/XX/2021
Consumer complaint received 2015-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I received a letter from Linebarger Goggan Blair & Sampson , LLP stating I owe {$450.00} due in 10 days, and if I do not respond an arrest warrant could be issued by a peace officer. 
I called the phone number on the letter XXXX and they said they did n't have any other information except it was a ticket from 2004 and I lived in XXXX, TX. I 've never lived in XXXX, TX therefore they have the wrong person. 
They said they did n't have any other information than that, and they will continue to try to collect the debt. 
I searched for citations online for City of XXXX, and XXXX County and could not find anything.
Consumer complaint received 2022-10-10
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-10
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (FL)

I checked my XXXX account and seen that XXXX XXXX   and XXXX are showing on my credit report for {$310.00}, XXXX sold this account to XXXX XXXX. I sent XXXX XXXXy a certified letter in XXXX to have them validate that this debt is mine. The company send me a letter back with a paper that shows a bill in my name. The company is not providing me with any documentation with my original signature that this debt is mine.