davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (WI)

For over a month Ive been trying to get my pay off mortgage amount from Freedom mortgage company. We sent total of four requests and every single one has been ignored. Today is XX/XX/20 I spoke on the phone with XXXX # XXXX, and she told me I can get it 3-5 business days ( Which they promised before, and ignored my requests ). And my closing is on XX/XX/20, I asked you o speak to supervisor and XXXX told me 24-48 hours a supervisor will call me back. Can you please help me get the pay off quote for my mortgage asap because these people are obviously corrupt. My loan number is XXXX at freedom mortgage. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX
Consumer complaint received 2022-07-28
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. (ID)

Pubic record XXXX  XXXX bankruptcy ref # XXXX Ive disputed this for a while now with experian more than a year always comes back verified and certified by issuer but wont provide who get info from or certified it the only place that can report a accurate reporting of bankruptcy is XXXX  courts only report to XXXX  they cant verify any other way XXXX, XXXX XXXX have already removed based on there investigation and my documents also if a account is verified and stays on report its required to be marked disputed by consumer there a several violations of the fcra here are a couple 1. Sec 1692 E 8 acuity will be marked as disputed 2 15 usc 1681 section 604 A states I have the right to privacy 3. 15 usc 1681 section 604 A sec 2 also states a consumer reporting agency can not furnish a account with out written permission The documents upload shows XXXX  accurate accounting of bankruptcy filed with XXXX  different spelling of my name vs case filed different places ect I fave filed a identical theft report along with a fraud report
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Date Opened XX/XX/2018 2018
Consumer complaint received 2020-08-25
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. (GA)

Hello, I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the fraudulent accounts reporting on my credit report. It was previously removed from my credit report but then reappear. Below I've attached the FTC report along with my Drivers license I purchase my XXXX  credit report and i can confirm that the items attached below are deleted
Consumer complaint received 2021-02-03
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. (FL)

I have never given any Consent to This open any Account with XXXX  I never open an account with XXXX Nor XXXX resource this account is fraud and i want it off my Credit Thank you
Consumer complaint received 2022-07-25
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: Onity Group Inc. (NY)

I submitted a letter to the XXXX Credit Bureau XX/XX/2022 to update this suspicious information.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. PHH MORT SVC XXXX
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had submitted a credit line increase, I took the card out almost 4 years ago now - and my credit score has gone up, my income has essentially doubled, I paid off my balance- and never missed a single payment over the years- and yet my credit line increase was denied. This is not a company you want to be stuck doing business with. Do not get stuck having to keep a card open with this company. The second my home purchase is complete, I'm closing the card.
Consumer complaint received 2023-03-21
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. (TX)

On XX/XX/XXXX, I submitted a request for an item to be removed that was reported incorrectly. On XXXX it was stated that Experian would be working to resolve the matter. Despite claims of fixing the matter, Experian did not do anything. The item remains on my report. On XX/XX/XXXX that info still hasnt been used. 

Experian continues to violate, FACR, Section 623 ( a ) ( 3 ).
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX, account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX, account # 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 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EQUIFAX, XXXX and XXXX XXXX XXXX XXXX XXXX Dats late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am submitting this CFPB Complaint for you to notify that I am not satisfied with the results on my credit report. I have fulfilled my obligation by bringing these inaccuracies to your attention. According to FCRA Section 605b it was the responsibility of the 3 credit bureaus to correct a portion of the data on my report. The following accounts needs to be corrected or removed : XXXX XXXX XXXX Balance Owed : {$560.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.XXXX  XXXX XXXX Balance Owed : {$330.00} - This account has been reporting inaccurate information regarding my payment history. I have provided documentation that shows I have consistently made payments on time and in full. XXXX XXXX XXXX XXXX : {$0.00} - I insist on an immediate update of the account in question as your bureau 's reporting conflicts with other credit bureaus. Your inaccurate record keeping is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting. Please remove this account as soon as possible. XXXX XXXX XXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - Your current reporting is unacceptable. As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If you can not ensure the accuracy of the information you are reporting, you must remove the account immediately. I demand that you take swift action to correct this matter, as any further delay or negligence will not be tolerated. XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. 
XXXX XXXX XXXX XXXX XX/XX/XXXX- This inquiry makes absolutely no sense to me, and I don't recall ever making it. Remove it immediately and provide evidence if you think it's mine. Otherwise, delete it now.
Consumer complaint received 2021-02-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Select Portfolio Services is messing with my short sale through the actions of legal language. SPS forced me to sign a promissory note, which I signed for the short sale approval but the approval does not waive the deficiency.
Consumer complaint received 2021-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I am currently listed as a victim in XXXX County, Virginia Supreme Court case CL-2018-0006258 against NC Financial Solutions of Utah , LLC [ Net Credit ]. I took out a loan with them in 2019 with no clear indication of bi-weekly payments or interest accrued for the loan to find that the interest rate determined to exceed 50 %. Net Credit was aware that they were unlawfully violating the Commonwealth of Virginias Consumer Protection Act when the original loan documentation was sent to me. I was advised to halt payments until the case was settled with the Commonwealth of Virginia and Net Credit is still reporting to the credit agencies after correspondence. Net Credit managed the loan transaction to extract the maximum value for itself without regard for the borrower 's ability to repay the loan which is predatory lending and constitutes a crime against individual consumers and Virginia State Law.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On the week of XX/XX/XXXX I had noticed that my checking account I have with Chase bank had recorded 0 activity on it. Whether deposits ( which in actuality were transfers from my XXXX account and also ACH 's ( such as my mortgage payments, one Credit Card payment and also my Utilities Bill. On Monday the XX/XX/XXXX I stop by the Chase bank on XXXX XXXX in XXXX and was told, " compliance department needs to verify my social security number. Filled an SSA form at the bank and was assured it was sent three times and that compliance department would review and unfreeze my account in 24 hrs. It did not happen. Called Chase Compliance department on XX/XX/XXXX and after 45 minutes on hold, the guy I spoke with said that he would at least allow my two mortgage payments to go thru and that the accounts ( both checking and savings ) would unfreeze and funds would be available on the next day which would be XX/XX/XXXX.

on XX/XX/XXXX, not only were my funds not available, both balances on my checking and savings were wiped out. Both showed {$0.00} Balances. Alarmed I go to the CHase Bank, XXXX XXXX location. Spoke with XXXX who was telling me she called and spoke to XXXX XXXX in the Retail Fraud Department who had promised he will expedite and funds will be available in 1 business day. On XX/XX/XXXX funds were not available. Ws promised by XXXX they would be available on XX/XX/XXXX. On XX/XX/XXXX funds were still not available. Spoke on the phone with XXXX and also XXXX ( regional and/or other bank manager ) who assured me funds would be available by XX/XX/XXXX,  Tuesday. I go to the bank this morning XX/XX/XXXX and funds are still not available. After wasting another two hours, I got the same run around I have gotten every day since XX/XX/XXXX, even from the branch manager XXXX XXXX who put me on the phone with a XXXX XXXX in the " executive office '' who pretty much fed me the same hogwash I have heard from everyone at Chase since XX/XX/XXXX.
Consumer complaint received 2021-02-03
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. (MO)

I've recently reach out to XXXX Chief Financial Officer on XX/XX/2021 for the 3rd time about verifications of account number XXXX thats reporting on my credit reports. I provided my social security number and account number but the C.F.O stated he was unable to find or verify that account. He requested additional information that I can not produce because the account do not belong to me. If the C.F.O of the company can not verify this account, How are you verifying this account? Please send me your verification method and original signed contract in 10 days.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for credit bureaus reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to inform you that on XX/XX/XXXX, I contacted Equifax regarding several pieces of incorrect information on my credit report. Despite my initial contact, I have not received a response from Equifax to date. Below, I have outlined the inaccurate information and the necessary corrections : The following account was never late : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$16000.00} Action Required : Please correct/update this inaccurate information on my credit report. 


The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$5900.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$3800.00} Action Required : Please remove it from my credit report. 


The information indicated on the XXXX account is imprecise. The balance of {$390.00} that you state for this account is higher than the amount that I remember. Please remove the amount indicated in the Past Due section, as this account has a closed and charged-off status. I plan to have a conversation with the creditor of this account to clarify all of the reported data. Until the appropriate corrections are made, please mark this account as disputed. Creditor : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$390.00}. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$3500.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$6000.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$4500.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Action Required : Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Action Required : Please remove it from my credit report.
Consumer complaint received 2022-04-25
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2100.00} Date Opened XX/XX/2018XX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a quarantee that my consumer rights will be respected moving forward
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

On XX/XX/2023 a debt validation along with a cease and desist was sent to Hunter Warfield. It was received and Delivered on XX/XX/2023. Certified mail. 

Hunter Warfield was instructed to cease communication from all mediums. Which included but not limited to phone calls, and email submissions, UNLESS they are providing ( XXXX ) to advise the consumer that the debt col- lectors further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt col- lector or creditor may invoke specified rem- edies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy pursuant to 15 usc 1692d ( c ).

Hunter Warfield has called me 5 times since the cease and desist has been received. They have also emailed me on XX/XX/2023. I have attached all proof and communication.
Consumer complaint received 2021-02-03
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)

There are multiple credit inquiries on my report that I did not authorize. I have disputed these inquiries several times and they have not removed any of the unauthorized inquiries. I disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to thoroughly investigate my disputes and continue to validate the inquiries.