davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX   XXXX , MD XXXX ( XXXX ) XXXX Made by : XXXX XXXX  XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX XXXX. XXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. 
I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

XXXX XXXX
Consumer complaint received 2019-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

I received a call from XXXX XXXX ID # XXXX on ThursdayXX/XX/2019 while I was at work. He stated he was from AmeriSave Mortgage Corp and could help me refinance my home for a low rate. I had asked what is a 30 year fixed at this time. XXXX asked a few questions and then stated he could lock me in at 4 %. I let him know I was interested and would call him when I got home from work. I did go home and we spoke again. XXXX seemed to promise me a lot and how no one could beat their rates as they are a direct lender. XXXX stated I needed to go forward in order to lock that rate in. XXXX mentioned same thing while I was at work. He repeated that many times making me feel I would miss an opportunity if I didn't proceed. I mentioned I needed to confirm with my fianc and he stated I could fill out and schedule an appraisal. If we decided not to move forward we didn't have to. I moved forward with the info he had told me feeling like I could back out anytime. I was told it was a XXXX deposit for the appraisal. I was under duress as he kept stating no one could get rates that low and if I didn't act I could lose that rate. What brought up the red flag was how persistent he was being. He wanted to schedule the appraisal the next day. I told him I had to work. He asked could my fianc. I said she had to work. He then asked can you leave at lunchtime or can anyone else meet them. I started getting nervous and Said I would let him know but we are not doing the appraisal tomorrow. I conferred with my fianc and she did not want to move forward. I spoke to XXXX the very next day. Friday XX/XX/2019. I told him we were not going to move forward. Thats when he said well your going to forfeit your XXXX. I said why we didn't receive an appraisal? He said well its non refundable. I have disputed my charge with XXXX   which is my credit card that I used. Thats when they informed me of this site and I could see all the similar write ins on AmeriSave. I hope something can be done about their deceptive practices.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (LA)

I am an XXXX XXXX member of the XXXX XXXX and have been XXXX in Louisiana since XX/XX/XXXX. As such I qualify for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I applied in XXXX XXXX XXXX  through my bank ( Navy Federal Credit Union ) and the application was accepted. Proof of XXXX  in the form of a Leave and Earnings Statement was provided, along with a form provided by Navy Federal Credit Union. I also have direct deposit set up with them. I was told it would be several months to receive a response and now XXXX  months later ( XXXX XX/XX/XXXX ) I was told my application was denied. Had I known this I would have sent additional proof but I was never made aware. As of today the message thread in the Navy Fed mobile app was deleted. Their policy is to delete old messages and I have no proof of my submission other than verbal confirmation over the phone that I received today. 

As a result of their inaction I have been paying a substantially higher interest rate on my Navy Fed credit card. After re-submitting my application today I was told it would take XXXX  days to process, followed by approximately XXXX more days to receive any money owed to me. XXXX  days is too long to wait.
Consumer complaint received 2019-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I have disputed these two accounts with this company and they have not verified these debts, therefore I want them removed from my credit reports. 

LVNV Funding, LLC Original Creditor : XXXX XXXX Account # : XXXX Balance : {$3700.00} LVNV Funding, LLC Account Details Original Creditor : XXXX XXXX XXXX, XXXX. 
Account # : XXXX Balance : {$960.00}
Consumer complaint received 2020-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/XXXX i visited the emergency room XXXX XXXX in XXXX for severe XXXX pain. I was diagnosed and given medication. The billing representative came to tell me how much I would owe, and said I would get a discount of about XXXX dollars if I paid right then and there. I agreed and paid. Months later after getting no notice or mail I start getting phone calls everyday from a debt collector for said XXXX dollars.
Consumer complaint received 2023-04-06
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: CORELOGIC INC (TX)

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting ageXXXX may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays.

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (MD)

My consumer report received on XX/XX/2019 from XXXX XXXX/Sterling/XXXX contained an alias " XXXX XXXX '' that is not associated with me in any way. I would like this association removed from the database. Thank you.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MN)

I logged on to the website for the Annual Free Credit report. I was able to obtain two of the three credit reports right away. The report from Equifax I couldn't obtain. The four questions that were asked, I had to respond with " None of the Above. '' I tried answering the form twice today, that is a total of eight times I had to respond with " None of the Above. '' I know that the answers that they are asking have nothing to do with me or my account. 
Here is a simple statement about my credit history over the last ten years. I have neither applied for or obtained credit in a form of a loan or credit card. I did have my identity stolen and all marks about the identity theft have been removed from my credit files over a year ago. 
I am asked on the questionaire about store credit cards, loans, car loans, personal loans, bank names and monthly amounts for those accounts that apparently occurred within the last five years. Again, I have not applied for any credit in the last ten years. 
I would like Equifax to ask relevant questions regarding me. I believe Equifax needs to maintain accurate records regarding myself,
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

I am under a public service loan forgiveness program through Mohela. I was notified in XXXX that I was being placed under a forbearance and that the months on forbearance would not count towards my loan forgiveness. I did not request this forbearance. After reaching out to Mohela and the CFPB, I was notified by Mohela that the months spent on this forbearance would count towards my loan forgiveness. I recently requested a payment count update from Mohela and the months of XXXX and XX/XX/year> are being counted as ineligible for my loan forgiveness count when they should be counted as eligible. I contacted Mohela and they were unable to give me a timeframe for when these months would be added to my count as eligible or why they were not being counted correctly. I would like these months to be counted correctly towards my loan forgiveness.
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (TX)

I have updated information regarding complaint # XXXX Dear CONSUMER ADJUSTMENT COMPANY INCORPORATION, I am writing in regards to the collection account that you have been attempting to collect from me. I am concerned that I have not received any update from you regarding the investigation you were supposed to conduct. 

As per the Fair Debt Collection Practices Act, you are required to provide me with a written notice of any action taken, including an investigation, within five days of receiving my dispute. However, I have not received any communication from you regarding the status. 

I am now making a demand that you delete this account from all 3 credit reporting agencies in the next 5 business days or I have no other choice but to file a lawsuit suit in federal court for fraudulent activity & defamation of character. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

I made payment to american express card but due to some error it got declined and my bank charged me {$30.00} and AMEX charged me XXXX XXXX then I chat with AMEX and tell them about it and they returned my fee. I also call my bank and tell them about it and due to my good history they gave my money back and asked me to call AMEX to inform that do not try to pull payment again ( generally institution pull amount for three time incase it get declined ). So, I chat with amex and they assured me that their institution won't try to pull the payment but still they did next day back to back two times. Then I called amex again and discuss about it for half an hour and they were trying to manipulate. Then I told them that I have written proof that your agent gave me and I will go legally against this. Then representative agreed to give {$60.00} fees back to my account. But when statement was generated I didn't get that amount and when I called again they changed their word and they said we will call you after we look into it, still they did not call me back. 

I called them on XX/XX/2019 around between XXXX to XXXX, you can check call recording and they agree to pay that amount but now they change their word. 

I have case id : XXXX which was given to me on XX/XX/XXXX by representative who assured me for that {$60.00} amount.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Arnold Scott Harris, P.C. (CA)

This company has us on a robo call rotation where we receive multiple calls from them every day. Late last year, I called their number and spoke to a representative and determined that the debt they are trying to collect is not ours. After that, the calls kept coming anyway.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (TX)

i bought a pre paid card today XX/XX/22 at XXXX in XXXX XXXX tx . i placed XXXX dollars on it when i purchased it. now its saying i can not receive or activate my card nor can i get my money back. the person i spoke with said their is absolutely nothing they can do about it. i sure hope this isn't how yall conduct business.
Consumer complaint received 2018-11-27
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. (NJ)

Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (PA)

This is the 2nd time that PHH has provided incorrect information to the credit bureaus on my mortgage. 
I am on the phone with them again, today XX/XX/19 They reported that my mortgage balance increased which is not correct. They have confirmed it is not correct and now want me to do the leg work to fix it.
Consumer complaint received 2018-11-27
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. (ID)

Credit Bureaus told me that XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments to verify what they say is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-11-27
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. (ID)

Credit Bureaus told me that XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments to verify what they say is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2018-11-27
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. (ID)

Credit Bureaus were unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX - multiple entries on my credit report, XXXX XXXX XXXX - multiple entries on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2019-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IN)

This is a follow up for our conversation XX/XX/2019 It is my understanding that XXXX XXXX XXXX, incorrectly billed XXXX for my services. Instead of billing the XXXX   account the Commercial was billed. Once it was rejected the claim was sent Credit Collection Services to collect the debt. 
I contacted my insurance after receiving a phone all earlier this month from Credit Collection Services attempting to collect the debt on behalf of XXXX XXXX. I revoked the right to call and requested all correspondence be sent by mail. After explaining to XXXX XXXX XXXX and XXXX XXXX that I was contacted by Credit Collection Services they began to investigate. It was discovered that XXXX XXXX hadnt billed them for them for the service at all. She also stated that this service was covered and is included in my insurance policy. She stated they must have billed the wrong account. Together we called Collection Credit Services. We tried to explain the errors, but the agent XXXX XXXX wasnt of very much help. She tried to collect the debt several times and offered payment with reimbursement if errors were found as a remedy. During this phone call I also revoked their right to call me on my personal cell ( again ) and request any correspondence be done by mail. She attempted to confirm a phone number for contact but provided the wrong number. I informed her that the number on file was wrong and provided the correct number. I requested a manager to aid the situation. After speaking to the manager and the errors we acknowledged she apologize and stated that I didnt have to worry about the debt. My insurance then proceeded to call XXXX XXXX had them bill the correct account. I have yet to receive this acknowledgment of errors in writing confirming that my account has been taken out of collections. 
As a result, the actions of Credit Collection Services display willful noncompliance and several FCRA and FDCPA violations. The agent attempted to collect an unvalidated debt while my insurance company and I were trying to confirm and remedy a billing error. If I had attempted to pay the debt or made a promise to pay, I would have forfeited my right to later sue for the debt. Not once was I notified of my rights. CCS also failed to validate the debt. If CCS had current ownership or were hired to collect the debt the liability falls on CCS.

I lawfully seek actual damages, statutory damages and damages under Indiana Fair debt collection, FCRA and FDCPA laws.

I also have formally filed a grievance with my insurance company, a complaint to the CFPB and Indian States Attorney Office.
Consumer complaint received 2021-12-06
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 (MI)

I have recently closed on a mortgage and received a copy of my credit report. There is an unauthorized inquiry listed on XX/XX/2021 from XXXX that I did not pursue. Please remove inquiry.
Consumer complaint received 2018-11-27
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. (ID)

Credit Bureaus were unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX - multiple entries on my credit report, XXXX XXXX XXXX - multiple entries on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX