davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
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. (GA)

Company name it shows on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX. They were added to my report and they didn't send me any notification. I tried disputing this with experian and they never removed them from my report. Experian allowed this company to remain on my report after the dispute and I wasn't properly notified by mail. I found out about this after it was added to my report. I attached the notification received and the copy of the dispute results without any notification still being sent to me. this isn't right and this company needs to be deleted. This violated my right to dispute.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (NY)

I prepaid for XXXX hotel rooms on XX/XX/XXXX XXXX XXXX for me and XXXX for my parents ) on AmEx travel using my AmEx credit card. When we were checking out on XX/XX/XXXX, the NH XXXX hotel claimed that it was not prepaid so we paid again since the confirmation was n't clear cut that the rooms were prepaid. I disputed the charge. My parents were refunded on XX/XX/XXXX but it 's been over 2 months and I still have not been refunded. The hotel actually charged my credit card on XX/XX/XXXX and then promptly refunded that charge, but I have not been refunded the charge on XX/XX/XXXX. AmEx Travel and AmEx credit card have been completely incompetent. I have called several times and have been told that there are no disputes open even though I 've received confirmations that I opened a dispute. This is incredibly frustrating.
Consumer complaint received 2022-01-06
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I have been working with my mortgage broker since XX/XX/XXXX. We needed to get a loan payoff from PHH Mortgage. I requested one on XX/XX/XXXX from XXXX. The new lender that my broker had lined up was not ready to close. So a new payoff was ordered on XX/XX/XXXX they stated it would be available in 14 days, we did receive this one but the payoff date was off. As my broker told me the payoff needed to be good through months end due to the fact a reverse mortgage is an FHA loan and all payoff must be good through that month. 

I did receive a communication in the mail from PHH mortgage that my loan has been transferred on XX/XX/XXXX to a new servicer. When i spoke to the servicer on the phone XX/XX/XXXX they stated the payoff would be to my home within 10 days. 

It is now XX/XX/XXXX and i have not received anything from this lender. I would like some help or answers. I just want to refi this loan and take advantage of the excess equity in my home. All other items have been cleared by the new lender but without a payoff they will not fund the new loan.
Consumer complaint received 2021-07-12
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: CREDIT ACCEPTANCE CORPORATION (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : -CREDIT ACCEPTANCE CORP # XXXX -XXXX XXXXXXXX XXXX # XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-04-20
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. (TX)

I have been calling Experian for 4 days now. Every time someone pick up, they keep forwarding me around stating that I'm in a special dept. When that department picks up they tell me still in the wrong department. When I finally get to the department I need, I have to leave a message and no one has yet to return my call. 

I have personal information that is incorrect and needing removal from mt credit report. Please see the following. 

This name with this spelling is incorrect. Please remove. 
XXXX XXXX Name ID # XXXX These addresses are incorrect. Please remove. 
XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX These Social security number variations are not mines. Please remove. 
XXXX XXXX Please remove this unauthorized inquiries that was not for a permissible purpose. 
XXXX  XXXX XXXX  Inquired on XX/XX/2019 XXXX   Inquired on XX/XX/2019 XXXX  Inquired on XX/XX/2019 XXXX Inquired on XX/XX/2019 Please remove the remarks under comments for the following tradelines : XXXX XXXX XXXX XXXX XXXX OH XXXX OFFICE OF THE ATTY GENER XXXX XXXXXXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide with an updated and corret report when completed.
Consumer complaint received 2024-05-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FirstPoint Collection Resources (CA)

I was contacted by First Point Collections on XX/XX/year> by phone, I didnt pickup but was left a voicemail stating to call them back, I unfortunately wasnt able to call them back till the Weds XX/XX/XXXX, I was told by a very rude representative that I had a debt and that I needed to pay this at a discounted price, if I didnt pay the settlement amount I would be taken to court and sued and I would have to deal with a judge then, she had all my information, social security number, an old address that was used for the loan, and something that didnt make sense, an expired drivers license number from a different state I had. I tried explaining to the representative that this was not me but she wasnt having it and just wanted me to pay the settlement, I tried asking her for more info about the debt but she refused to really give me any information expect to wait for the summons to appear in court and that I would have the information from that. Well I said fine and hung up, after that I did some research and realized that the payday loan cap in California was {$300.00} and in Michigan where my used drivers license number was used, the cap is {$600.00} there, and that was the loan amount the collections said I owed. Also they wanted a settlement offer of {$400.00} to considered the case settled, I managed to get the total debt amount which was {$920.00} but the original loan amount was {$600.00}. I tried calling a few days later to try and get more information about the debt but was told by the representative he wasnt going to help me or give me any information in helping me in getting my claim declaimed and identity theft, so I am now just filing this and I guess I will wait for the summons to appear in court.
Consumer complaint received 2024-05-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (WI)

Overpaid property taxes year XXXX. Freedom mortgage over projecting property tax for year XXXX, which is causing incorrect monthly payment amount. Freedom mortgage continues to pay property tax twice a year instead of city requirements of paying property tax once a year. Missing funds from escrow account.
Consumer complaint received 2021-07-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Pinnacle Asset Management, LLC (FL)

I received a phone call from a local telephone number that had left a voicemail I called the number back with a document reference number. The lady who picked up the phone ran the information and claimed that I owed XXXX Soma dollars on a vehicle loan from XXXX The vehicle in question belongs to someone else and not me I advised them that I had never received anything whatsoever in the mail regarding this alleged situation.. I wanted to share a mailing address so that the debt could be verified and also offered my email address as they already have my phone number. I also wanted to inform them not to call any relatives which had also on this very day received a phone call threatening of them ... The lady advised me that I need to get a lawyer to handle this situation or be prepared to explain it to a judge. To which I answered please send me something in writing and here is my address and I also want to inform you that I do not want to receive any more phone calls to myself or a family members I was abruptly hung album ... I then called the telephone number back explain the situation to another representative explained myself exactly as I did to the 1st representative upon wanting to give my information and telephone numbers of family members contacted to be put on a do not contact list the gentleman responded to me that we will continue making telephone calls to you. I then advised him of what my address for mailing would be he did not want the information he then said he would send an email and told me to send the agreement back And start making payments. I advised him I need ed something sent to me via physical mail so I can know what this is specifically in reference to. Then there was a 22nd period Period of silence I again offered information to receive something in the mail as well as an email address he said he wanted none of that period I then replied to him by saying if you just said to sign and send you payments and that is all that he need ed from me I again offered him an email address and physical mailing address and then was hung up on ....
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc. (GA)

had a collection company name : Optimum Outcomes INC add themselves to my XXXX credit report in the amount of XXXX. I disputed this because I didn't receive any notification on this company at all. I have not been properly notificated I found out when this was added to my credit report. This is against my rights to dispute. Company should not add anything to my credit report without sending me proper notification. Please have this company delected. I disputed with XXXX   and they didn't remove them. Please have this removed. I attached the alert I received on XXXX  and the dispute I requested that was requested not being resolved. 

Company name it shows on my credit report is : Optimum Outcomes INC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX
Consumer complaint received 2021-07-06
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX of XXXX I emailed the original creditor XXXX XXXX about a collection account reporting on my credit. I was emailed back on XX/XX/XXXX of XXXX from XXXX XXXX stating that they could not find an account under my name/address that was provided. 
After I received this information, I contacted experian multiple times and disputed this account multiple times about it not being mine. 
I told my credit repair agency that my wallet was stolen in XXXX so they put a fraud alert on my account. 
After that I called XXXX XXXX because XXXX from the dispute center said that I needed a letter from the original creditor and the collection agency stating they don't have any evidence of me in their system for the account. XXXX XXXX said they have no acknowledgement or records stating such account and that they can't send me a letter stating I don't owe them because I don't have an existing account with them. So I called experian back and was told I'd get a call back 3 times last week on 2 different occasions and never received a call. 
Now I call experian today on XX/XX/XXXX of XXXX and they still can't find out why this account is on my credit report.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, my Bank Of America issued XXXX credit card was fraudulently used for 4 unauthorized purchases. I got text alerts for 'unusual activity ', and I immediately got it blocked to prevent further damage. All this while the physical card was at home in my purse in the closet! I have never visited those store locations and I have my entire credit report to prove that. 

Since then, their fraud detection team is driving me bonkers - first crediting my account for all charges, then going back and claiming that 2 out of 4 transactions are actually non-fraudulent. A person in the claims department said that the 2 transactions they think are not fraudulent is because the actual chip on the card was used for those transactions. Which is absurd because I had the card with me all the time. So either the card was magically cloned down to the chip or their detection/analysis algorithm is flawed. 

I have called 3 times, got transferred between departments and every time they say that the resolved disputes have been reopened and it will take 60 days for processing ( 2 billing cycles! ). 

I have received no email/snail mail notification about reopening my case. The rep at fraud detection department even wrote down against my case to contact me immediately on my mobile. Nothing. He even refused to tell my my case number so I can refer to it later.
Consumer complaint received 2017-11-07
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GLA Collection Company, Inc. (GA)

GLA contacted a phone number I do have but it is a cell phone and the voicemail is not secured and does not identify any name. The message broke HIPAA and fair credit by disclosing nature of call, that it was for home health services, and stated there was a judgement of which there is not. I contacted the XXXX XXXX XXXX and they show they had not spoken to me and that I do not have a judgement. I called GLA and because I would not give me social security number they refused to accept my statement of dispute of the debt. I am not required to give my SSN and I did verify the phone number and my name.
Consumer complaint received 2015-09-15
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: United Debt Holdings, LLC (TX)

We 've been receiving phone calls saying they 're an attorneys office XXXX XXXX and XXXX, who also said were with debt holding group trying to collect a debt. The memo I have a attached is what they sent me when I asked for verification of the debt owed even at the bottom it says they 're not a law office. Numerous time they assured me they were n't scamming me because they 're an attorneys office. First they told my husband he owed {$900.00} then told me he owed around {$700.00} when we checked with the original store he took the payday loan from it was only {$590.00} they sold it to debt holding group and then they sold it to XXXX group XXXX XXXX. The told him it was a felony if he did n't pay and that they were taking us to court if we did n't pay them that day ( Thursday XXXX XXXX ). When we ask them to send us verifying documentation about the debt we were sent a word document that did n't even have the companies address or correspondence on it. We have never received any mail or previous phone calls about the debt. They said they sent us mail but they had the wrong address when they sent the verification of the debt. They also said they had him on video going into the apartment which again they had the wrong address. My husband also had taken out this payday loan before we were married and my name is no where on the account and he never gave them permission to discuss the debt with me and when I called I expected that but they were more then willing to give me any information I asked for and were very rude with me when I confronted them about sharing his information with someone they did n't even verify who it was. I have read it is against the law in Texas. We ca n't find any information about this company online expect that they have been scamming people. If my husband does in fact owe a debt we would like to take care of it but we 're afraid to pay these people regardless of their threats of taking us to court because it does seem like a scam. We were wondering how we should proceed the debt is n't on his credit report and we do n't know if these people are even legit. Please help.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There is an old account with XXXX XXXXXXXX XXXX on my XXXX and TransUnion report that should no longer be on there. It is an aged account and past the statute of limitations.
Consumer complaint received 2021-09-22
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. (TX)

There has been information published on a consumer report that I never gave either company ( TransUnion, XXXX XXXX XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ) .According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ). They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce.
Consumer complaint received 2017-11-07
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. (TX)

Hello there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-31
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. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-11-07
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. (TX)

Hello there has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX XXXX XXXX Date Filed XX/XX/2017 Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX
Consumer complaint received 2018-02-09
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. ()

A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, XXXX continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on XXXX 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from XXXX in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS (DE)

XXXX HAS NEGLECTED NUMEROUS OF TIMES TO REMOVE NUMEROUS OF INQUIRES THAT DO NOT BELONG TO ME. I HAVE CALLED NUMEROUS OF TIMES AND WHEN I FINALLY MADE IT THROUGH TO SPEAK WITH SOMEONE I WAS HUNG UP ON. I AM WELL AWARE THAT IT IS XXXX JOB IS TO REPORT 100 % ACCURATE INFORMATION WHICH THEY ARE NOT. I AM ALSO WARE THAT MY RIGHTS UNDER THE FCR ARE BEING VIOLATED WITH THESE INQUIRES. I HAVE FILED A FTC REPORT AND NEXT I WLL SEEK REMEDY THROUGH COURT.