davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (FL)

Land Home FS is making the understatement that I dont have Hazard Insurance to justify XXXX reasons to the filing of a Frivolous Foreclosure on XX/XX/XXXX. They said : your failure to either ( a ) independently acquire and maintain residential property insurance, or ( b ) make monthly payments necessary to satisfy the cost of lender-placed insurance added to your account upon your failure to demonstrate evidence of property insurance acquired by you There are not pending insurance issues in this case : o XXXX XXXX XXXX cancelled its lender placed insurance claim on XX/XX/XXXX effective XX/XX/XXXX and it was prior to the filing of the wrong foreclosure on XX/XX/XXXX. ( Exhibit 1 ) o Also XXXX XXXX made a refund of charge for wrong placed hazard insurance fees ( Exhibit 2 ) Land Home FS sent me a letter on XXXX this year ( Exhibit 3 ) saying my hazard insurance had expired therefore they know I have that coverage from my XXXX XXXX XXXX XXXX ; Proof of insurance of XXXX was sent to Land Home through Legal Aid Society. ( Exhibit 4 ) Please find here enclosed proof of insurance on my property from XXXX to XXXX ( Exhibit 5 ) Land Home FS continues in an unlawful request of payments ; in their mentioned answer they said : we have not received the payment ( s ) due beginning with XX/XX/XXXX on your mortgage loan. Please send the amount shown below which includes any additional fees and charges dueTotal amount due {$15000.00} But payments have been timely made according to the Permanent Modification Agreement from XXXX this year, and all payments have been returned ( Exhibit 6 ) Because there are not pending insurance issues and Land Home FS said the Permanent Modification Agreement is not in dispute they must accept the check I sent to them on XX/XX/XXXX for {$4200.00} that includes all pending payments. 

If they dont agree with the allegations of this complaint they must explain it clear and simple without making reference to any previous letter and send proof of any statement that can differ from those exposed in this letter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have been working on rectifying my credit report after my accounts have been entered and used off and on since XXXX. The most recent hack was with my XXXX XXXX Charge account last XXXX XXXX XXXX XXXX When gift cards were purchase on my account with out my knowing, I reported it to the Police in XXXX Mass and I reported it to XXXX XXXX and the bureaus. I can not understand how these bureaus can have so much control of our lives when the Police told me that this kind of thing is happening everywhere. 
The police contacted XXXX XXXX about the fraud but they did not shut down the account take the report seriously and then open a new account. They wrote to the bureaus that I owe over XXXX to XXXX XXXX. They would not take this as fraud and this was during the recession even though is was not during XXXX the recovery was continuing. 
My complaint is with XXXX XXXX taking advantage of a XXXX women 's tough situation and the bureaus not willing to really do the right thing but instead made my score so low that I have not been able to be treated any more than a criminal. I have taken a company public but I could not buy insurance due to pre-existing conditions and have had 28 XXXX But this complaint is about the need to get justice for me and I bet many XXXX people but also to redo the power of the credit bureaus. These companies control our lives with the FICA scores even in an environment where millions of people have had their information from companies like XXXX nd all of the retail companies and tech companies like XXXX. Information is stolen, accounts will be hurt and should not the credit bureaus be altered to be able to be attuned to the problems vs. treat real people who are responsible with heavy handedness and cruelty, The credit card companies like XXXX XXXX do very well. They did not need to take over a year to then decide that they still would not address the fraud done on me and they still would not give me a new card. Instead they not only made me responsible for something I was not responsible for but they then penalized me in rejecting me with re-opening my account. Even the Police asked for my account to be reopened because I actually paid before the bill was issued. I am XXXX. If my car gets a flat tire and I have not enough left on my ssi to pay for the help, I am now at risk that I will be stuck without help. It is time to take care of stopping the powerful from hurting the not powerful but responsible people. Thank you, XXXX XXXX
Consumer complaint received 2019-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I received a Collection Notice from a different collection company regarding XXXX XXXX XXXX XXXX, account # XXXX in the amount of {$220.00}, reference # XXXX. I disputed the notice and the collection was removed from my account. 

The collection company has transferred the collection account to ERC and now I have a new letter stating I owe them for XXXX XXXX XXXX collection. 

I do not owe anyting ; I have never done business with XXXX XXXX. I wish to have this problem corrected and stop receiving threatening letters from. 

Thank you.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (MS)

National credit systems is reporting an account that does not belong to me to credit bureaus. I never opened any account XX/XX/XXXX and although I have disputed the entry it remains on my credit report past due as of XX/XX/XXXX. I never opened an account with the original creditor shown on the credit file either. It appears fraudulent, discriminatory and deceptive practices are being used by this agency. I have not received my credit file from XXXX. I have attached a copy of the entry from my XXXX  report received today. The fraudulent entry appears on my XXXX  report with varying information.
Consumer complaint received 2019-08-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Renew Financial Holdings Inc (CA)

Using the XXXX XXXX, a loan was obtained to perform upgrades to my home and property. Now two years later im selling the home and there are apparently 2 loans out for the same upgrades through 2 companies. XXXX  XXXX which used ReNew Financial for the loan. Renew Financial has been named in a Class Action Lawsuit for the very issue I am having. The second loan was obtained through XXXX XXXX XXXX. Both loans state they are for the same improvements. Yes Electric and Construction, The company that performed the work, has vanished and can not be contacted. Ive tried numerous numbers to get in contact and straighten the matter out, but all numbers are out of service. I would like to know what my options are for proceeding and getting one of the loans off the property. The work was done, no doubt. However, it is not {$70000.00} worth or work. I will happily pay off one of the loans, but the duplicate, I will not.
Consumer complaint received 2019-08-10
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. (GA)

I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX/XXXX, XXXX, XXXX XXXX   and XXXX XXXX. There are also inquiries on my report that I know nothing about. Please remove these inquiries as well. I have contacted the FTC and my local police. Im also doing this on my own behalf.
Consumer complaint received 2020-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NJ)

The debt was settled in full with the original creditor XXXX XXXX on XX/XX/2020. The proof of the same was provided to Hunter Warfield on XX/XX/2020. I also spoke to the collection agency and explained the matter. Yet they have reported this to the various credit reporting agencies.
Consumer complaint received 2020-09-06
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: Sequium Asset Solutions, LLC (NY)

I received a notification on my credit report from Sequium Asset Solutions for XXXX dollars I didnt receive no letters or calls from said company The person who added the new account was XXXX XXXX the phone number is XXXX ( XXXX ) XXXX.
Consumer complaint received 2017-12-19
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASPIRE FINANCIAL INC. (TX)

I applied for a reverse mortgage to refinance an existing reverse mortgage and draw more money out of the equity in the house, due to increased market value. 

The company, XXXX XXXX, ordered an appraisal through a company that does their appraisals. I was pleased with the appraised value of {$250000.00}. Then I find out, that when it went to underwriting, the underwriters rejected the appraisal, saying it was incomplete and had too few comps. 

I was told I would have to pay for an additional appraisal of {$560.00}, because they could n't use the one they had. At that point I cancelled the contract. Now they want me to pay for an appraisal they ordered from their company that has no value to them or me. I am refusing to pay at this point. 

Thank you,
Consumer complaint received 2019-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

Called to inform them that I was out of work with no income. I had to apply for government assistance. I am unable to pay my student loan and could I get help. 
They told me we cant help you. I said well I cant pay you. 
Im applying for XXXX there was no resolution. They continue to call and harass me about payment.
Consumer complaint received 2019-08-16
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)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, XXXX  and Transunion have not. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted trans union credit bureau to delete a collection account that has lowered my credit score 40 points from my record on XX/XX/19 ( XXXX  ) I sent them the information which this company has complied too delete from my credit report all other agencys have already removed this item from my reports but trans union has not
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates is reporting inaccurate information on my credit reports. 
It shows Account Status as 'Closed ' for an open account and also call themselves a " Factoring Company '' instead of a 'Debt Buyer '. 
Amount on the account is {$2600.00}. 
I have attached a document as evidence.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (PA)

Recently applied for a HELOC from XXXX XXXX XXXX and was denied due to a error on my credit report, stating that OCWEN marking a 120 late in XXXX. 

From XXXX I was in a chapter XXXX Bankruptcy and the OCWEN account was one of several accounts involved.

I informed Ocwen of this error and have not received any reply.
Consumer complaint received 2019-08-16
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. (IN)

6. I have not received and confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from the affidavit attached ) ********
Consumer complaint received 2018-12-04
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. (OK)

My dad has the same name as I do, in my credit report is showing that I owed a vehicle that is not in my name or my social security number. That account is hurting my credit because I can not apply for a mortgage loan or any type of loan due to that improper information in my account.
Consumer complaint received 2020-09-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I was in a car accident in XXXX XX/XX/XXXX. 
I had paid monthly payments on time. I had paid about {$8000.00} or more before the accident to Credit Acceptance Corp XXXX XXXX XXXX. 
They sent it over to attorneys XXXX XXXX XXXX. The insurance company said they paid the car off. 
The adjuster XXXX XXXX XXXX XXXX ext # XXXX Clm # XXXX. 
I won't this off my credit report because they saying I still owe a little over {$3000.00}. I'm on XXXX. I've never not paid a car off. The adjuster lied and got over. I only got {$1200.00} n the passenger got XXXX. We both was hurt.
Consumer complaint received 2019-08-10
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. (MO)

The following account is not mines please remove and block, the account should not be reporting on my file. Please investigate and remove. I'm also demanding the Method of Verification used in this instant matter. Please remove this account. 

1 ) XXXX XXXX
Consumer complaint received 2019-08-10
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. (KY)

My identity has been compromised and the following accounts are fraudulent and I'm demanding that they be removed and blocked from my credit file. 
1 ) XXXX XXXX XXXX XXXX {$340.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX {$60.00}
Consumer complaint received 2019-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

My mother has a property that she wanted to transfer to me ( her daughter). The house is mortgaged through BECU. BECU referred us to contact "Assumption Department" for this process or loan transfer. The process started in XX/XX/XXXX and we were told it would take 60-90 days. We paid the required fee of XXXX. In XX/XX/XXXX, a year later after the process started we were told the loan is denied because I do not have sufficient income. The bank is in the position to accept and deny whomever they choose based on the "bogus" calculation of debt to income ratio that they have refused to disclose in writing. If there is nothing to hide, there is no reason why they wouldn't want to disclose this information to us. My hourly rate is over $XXXX/hr and I can work flexible hours.  I am not self-employed and does not work for multiple companies; therefore studying my income should not have taken a year. Therefore, their rationale does not make any sense. Moreover, I have even received a name of a title company giving me the impression that they are more likely will accept my application.  

What is even more frustrating is that a process that should have taken 60-90 days turned into longer than six month period. I have mailed materials that they have requested to them at least three times; I have emailed their team over a dozen time and even went to BECU to get updated on this loan. If you call their department, your chance of speaking to someone is slim to none. This is supposed to be a bank that is FOR the community. I expect this kind of behavior from a private sector not from a "credit union"

Lastly, I am not new to home loan applications. I have been through a home loan application process more than once with different banks. By far this has been the worst experience. 

I don't expect anything from this bank. I just want others to be aware of how they process information and to stay AWAY from BECU LOAN or "Assumption Department"  Because (a) the 60-90 day is misleading (b) they will ask you for million pages of documents just to deny your application a year later. Keep your peace and do your business somewhere else.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

After thoroughly looking over a copy of my credit report by Equifax. I noticed that there was a few inaccurate addresses that they are reporting on my credit report. I faxed and mailed to them a letter with my concern with the inaccurate addresses and instead of them removing them they send me a letter stating i needed to provide proof of my identity in which I did that as well and then they send me the next letter stating they were unable to read what I send them. This is causing severe damage to my credit report by them not reporting accurate updated information on my credit report. In this complaint I am attaching another copy of my letter with the inaccurate addresses that needs to be removed which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX
Consumer complaint received 2021-07-13
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: AC AutoPay LLC, Denver, CO Branch (HI)

On XX/XX/2021 I submitted a preapproval request to Autopay to review potentially refinancing my current car loan. The application stated that a soft credit check would be performed prior to them sending the information along to their lenders, which I agreed to. I received 3 offers based on the information I gave them, and then decided to wait a few days to think it over before deciding.

On XX/XX/XXXX, without my consent, Autopay performed TWO hard credit checks on my profile. I immediately called Autopay to inquire as to why they had performed these, and was told that since they had all the information they needed, they went ahead with the hard credit check and that since I applied through XXXX that was my consent to further process my application. I immediately asked them to close my application, however the credit inquiries remain on my credit report and will negatively affect my score. 

Attached : 1. Email received from Autopay from my initial pre-approval application on XXXX XXXX. Email I received XX/XX/XXXX after I requested they close my application ( note wording that states that they only perform a soft credit inquiry ). 
3. Screenshot from XX/XX/XXXX that shows two hard credit checks from Autopay.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NY)

On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of this matter.