davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-06
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. (NY)

XXXX XXXX student Loans company and XXXX XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for XXXX. XXXX XXXX XXXX XXXX has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.
Consumer complaint received 2019-04-29
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 reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see pages 22 and 23 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MA)

This complaint relates to the American Express website functions and misleading navigation tools. While exploring eligibility and card information for the American Express Platinum card the website asks for personal information to verify eligibility. The following screen has an additional navigation button that indicates navigating through this link will provide additional information about eligibility and card rewards, this link actually submits an applications and signs you up for the card delivering a message that says 'welcome, your card will arrive in about a week '. 

This is a deceptive practice that effects credit score in terms of opening/closing an account, length of account history and a credit check.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (GA)

XXXX XXXX XXXX {$910.00} There is no valid claim, no contracts exist ... account was settled with original creditor by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorfalse claim and reportingI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Last month I have disputed these unauthorized fraudulent accounts that has been on my credit report for some time now. These accounts are not known to me, I'm a junior with a very common name, not sure if this caused the mix up but I'm hoping that the credit bureaus straighten it out. I'm demanding that these accounts be blocked immediately so that my true credit data will reflect my true credit status. Please block the following accounts ... [ 1 ] XXXX XXXX [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX [ 4 ] XXXX XXXX {$230.00} [ 5 ] XXXX XXXX XXXX Please provide certified physical documentation of these accounts or please block them immediately and permanently.
Consumer complaint received 2019-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

This complaint is about escrow account balances and how unused escrow funds are handled after the principal is paid in full. For my situation, property taxes and insurance are both paid afterXX/XX/XXXX in the year. The loan was paid in full on XX/XX/XXXX, and an accrued escrow balance of over {$2100.00} is due back to me. Within a week, I received a new Escrow Account Disclosure Statement in the mail informing me that no new escrow funds were required. I have yet to receive the escrow funds - my cash - and the company NewRez ( formerly Shellpoint ) keeps telling me they have 30 days to return the funds - " according to their policy '' - no real reason given. The loan has been paid off for three weeks now. 

The policies of Shellpoint/NewRez are absurd when it comes to how they handle escrow funds. When it became clear that the escrow funds they were collecting were never going to be used for their intended purpose ( as the loan would be paid off before either insurance or taxes became due ) I had asked to have the escrow balance applied to the principal and was told that this was not possible. No reason was given other than " it's policy. '' It took several tries on the phone to even get a representative that could understand the issue. I see no reason that the refund from the overpaid escrow could not have been sent along with the letter in the mail containing the Escrow Account Disclosure Statement. 

I am sure that someone for NewRez/Shellpoint will respond to this complaint and say they they are within their rights to hold the overpaid escrow and refund it whenever they get around to it, but I am filing this complaint so that everyone can know what they do. While I am sure that these " policies '' were " disclosed to me '' in the form of some 50 pages of microprinted legalese that few people even have a chance to read or understand before it is too late, there is no excuse for the delay in refunding the overpaid escrow cash.
Consumer complaint received 2024-08-17
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Radius Global Solutions LLC (GA)

I am filing a complaint against Radius Global Solutions regarding a medical debt of {$1000.00}, originally from XXXX XXXX XXXX XXXX. This debt was reported on my credit report, with the account opened in XX/XX/year>. 

This is a medical collection that I believe is illegally reported on my credit report, potentially violating my privacy rights under the Health Insurance Portability and Accountability Act ( HIPAA ). Medical information, including debts, must be handled with the utmost care, and improper disclosure or reporting could constitute a violation of federal privacy laws.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to dispute this debt and request validation. This includes the requirement that Radius Global Solutions provide proper documentation proving their legal right to collect and report this debt.

Given that I have insurance, and the fact that I was not properly informed about what costs would not be covered, this debt is both uncollectible and unfairly reported. The continued presence of this debt on my credit report is not only harmful but may also constitute a violation of my privacy rights.

I request that Radius Global Solutions remove this debt from my credit report within 30 days. Failure to do so will open Radius Global Solutions to potential legal action for violating federal privacy laws and consumer protection laws.
Consumer complaint received 2019-04-06
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. (MD)

I applied for an auto loan on Friday, XX/XX/XXXX with a local credit union where I live. They were unable to pull my Equifax credit report as it was " frozen ''. I tried to access my free Equifax report through XXXX and the Equifax website and both said that my credit report could not be pulled. I tried to resolve the issue using the Equifax chat customer service line, which directed me to call in to their customer support. So I called into customer support, sat on hold for 30 minutes, and spoke with a man with a thick, hard to understand accent who told me that I answered his extremely difficult to understand questions incorrectly and to mail my SSN, driver 's license, two forms of ID, and a cover letter to the Equifax dispute center. The main issue here is that I have never frozen my credit or requested that it be frozen. Until today, I have not visited the Equifax website or called into Equifax customer service. I would like my credit unfrozen immediately as it is hindering my ability to get an auto loan.
Consumer complaint received 2019-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

I have been informed that there is negative information reported by Freedom Mortgage under my Social Security number. Freedom Mortgage reported 30 days late on my credit for XX/XX/XXXX and XX/XX/XXXX. 

I challenge the accuracy, compliance and reportability of these listings. 

I attempted to make two automated online payments on the Freedom Mortgage website unsuccessfully due to their website maintenance issues. 
Freedom Mortgage failed to properly investigate and respond to the website errors and website maintenance issues that lead to inaccurately reporting 30 days late twice on my credit which dropped my credit score tremendously. Freedom Mortgage Customer Care was not open both times I had errors on their website. 

Freedom Mortgages Customer Care representatives told me that their website is always busy on the last day of the month & they can have computer issues, sometimes interfering with the website payments because of heavy processing at night. Personally, while speaking with Customer Care I learned the screen shots of the websites error on payment that I submitted were not available on a Freedom Mortgages uploaded document. Im not sure why the complete document I submitted wasnt available for review. 

The first time I had issues making an online payment on the Freedom Mortgage website was on XX/XX/XXXX when I got an error on payment. Freedom Mortgages email response said If you are experiencing difficulties accessing your account online, we may be able to resolve this matter via telephone. The Customer Care Department was closed. I called to communicated the website issue and confirm payment on the morning of XX/XX/XXXX with XXXX, teller # XXXX. Confirmation # XXXX. XXXX recommend I send an email to Customer Care to address my concern about this payment being beyond 30 days due to the system error. 

I emailed Freedom Mortgage @ XXXX and received an emailed an auto-response stating we are in receipt of your inquiry. We are reviewing the information you have provided and appreciate your patience while we conduct this research on your account. A letter response to my inquiry was sent to my mailing address stating to please allow up to ( 30 ) business day for a response. Freedom Mortgage failed to follow up or respond. 

This happened again. I attempted to make an online payment on the Freedom Mortgage website twice on XX/XX/XXXX and got an error on payment. My attempt to make payments was prior to XXXX XXXX ( Eastern time ). I was concerned that I made two payments. The next morning on XX/XX/XXXX, I called Customer Care & communicated I had website error last night. Freedom Mortgage has notes in system, a one-time draft / payment was made, they waived processing fee because of the error last night. I was advised by the Customer Care representative that I could email XXXX that the website gave the error message. Confirmation # XXXX.
Consumer complaint received 2019-04-06
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: Credit Karma (ND)

On XX/XX/XXXX I became aware of a fraudulent inquiry on my credit report from XXXX. The company have wrote me informing me that they would remove the inquiry and they even informed me that the credit card application was not in my name. XXXX  was also notify about this and I have file several disputes through them about this inquiry. They have a copy of the letter that XXXX sent me and even sent me a letter saying that the inquiry would be removed. It is now XXXX and I am frustrated with these companies. I did not apply for any credit card through XXXX and this company is aware of this and said would fix this problem and no one has fixed this problem
Consumer complaint received 2019-10-18
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

To who it may concern, In XXXX of XXXX, my credit card account was removed from my online account when I paid off my auto loan with captialOne and I wasn't notified of any bill due for this credit card. I've had this card with Capital one since XXXX of XXXX, and I've maintained exception payment history by never missing a payment. However, in XXXX of this year, I received communication saying that I had a capital one credit card account had been closed. This communication coupled with not seeing any account information online made it appear as if I no longer had any opened accounts with Capital One. However, the following month I received a 30 day late on my credit report which dropped my score. I would like this account reporting to be updated as PAANL, Paid As Agreed Never Late with XXXX and XXXX.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

in accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A States i Have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/2022
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C. SECTION 1681C-2 ) that you, Equifax, the consumer reporting agency, block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of the following : XXXX XXXX XXXX XXXX Account number XXXX Balance {$230.00} Date opened XX/XX/XXXX XXXX XXXX. 
Account number XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX Account number XXXX Balance {$580.00} Date opened XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent information appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a FTC identity theft Affidavit, number XXXX as proof from the US federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and are not related to any transaction I have made.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2019-09-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (GA)

I have been getting phone calls and got suspicious because of a incident with a fraudulent student loan forgiveness company. I had been recieving these calls for multiple hours throughout the day. My mom handles the other debt and financial stuff so I am not sure why they are calling other than me trying to aquire about my student loan forgiveness from XXXX discharge a month ago. This is also around the time the fraudulent company tricked me into giving my personal info thinking it was XXXX discharge or affiliated with them. I think I still have the screenshot of the ad of them on XXXX search but I'll have to look through my phone for it. Other than my student loans I have no idea why they are harrassing me. I kept blocking them thinking it was a scamming company. I'm tired of it. As far as I know everything is ok and dealing with bad debt collectors in  the past I refuse to speak to them and be intimidated into paying money I don't have.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX, XXXX, XX/XX/year> Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account XXXX XXXX, XXXX. 

I formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. 
I have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately. 
- Promptly remove the negative late payments from my credit report. Compliance with FCRA Section 611 mandates that consumer reports be accurate and complete, and failure to correct these errors can lead to legal consequences. 

I expect this matter to be addressed swiftly and accurately, as I have consistently upheld my payment obligations. 
I also request that all written confirmation regarding this CFPB complaint be sent to me via email at XXXX. 
Thank you for your immediate attention to this legally binding requirement.