davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

This mortgage was originated with XXXX XXXX XXXX XXXX XXXX in the fall of XXXX, in order to reduce my mortgage interest rate with XXXX at the time that was more than 7 %. My experience with XXXX I was victimized three times. 
1. XXXX withheld one of my payments without posting it and then reported me to the credit bureau for being late. 
2.XXXX  to increased my mortgage payments because the XXXX XXXX XXXX Department of water , claimed that I owed them a {$10000.00} as I was disputing the charges with the XXXX XXXX XXXXXXXX water Dept. I had to take out a loan to pay the bank or have a {$1000.00} mortgage increase. 
I have a single family home but my bill was sometime {$700.00} but this stopped was I had them installed a new water meter. My water bill since average {$200.00}. 
3. As I was processing the refinancing of my home with XXXX XXXX XXXX XXXX XXXX XXXX attached an additional {$15000.00} onto my closing cost. 
So as I started this new account I always paid my mortgage a month ahead. Through automatic deductions 1. Freedom mortgage have held my automatic deductions payments at one time just like XXXX but they could not report it to the credit bureau. 
2. Freedom mortgage also once have applied my advance payment to my mortgage principal without discussing it with me MY COMPLAINT HERE : Freedom mortgage have opened an escrow account sometime earlier this year XXXX, for taxes and insurance.

My mortgage, however call for me to pay my own taxes and insurance : 1. I call the XXXX XXXX XXXX Department of finance,  they informed me that my tax payments were on time. 
I mailed my XX/XX/XXXX tax payment in XX/XX/XXXX, the was paid on XX/XX/XXXX approximately. The XXXX tax customer service, Advised me that when you use the United States Postal Service to make tax payments, it could take up to five weeks before being posted to your account. So the city have started a new pay by phone system.

My next tax payment is due in XX/XX/XXXX And my insurance is paid until XX/XX/XXXX My next mortgage payment should be XX/XX/XXXX, but my bank changed it to XX/XX/XXXX for an increase of nearly {$400.00}.
Consumer complaint received 2022-08-09
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. (MI)

My credit report stilll show inaccurate accounts in they where not investigated.the Name and dates are inaccurate. This is grounds for removal they also violated my rights under 15USC 1681 section 602 A. States I have the right to privacy. 
15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The Credit bureaus didn't do a investigation in 30days its been 2years in my credit report is still very much so inaccurate they didnt do investigations I sent letters by certified mail and i also disputed online as well. 
I even called after the Letters to fix this problem. 
Nothing has been done. 

Heres my mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
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. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

I was a XXXX XXXX customer, due to lack of service- I was let out of my contract by XXXX ( all documented ) - in XXXX of XXXX. By the time i FINALLY got the return shipping letter ( XXXX ) - all i had to do was return my phones. Again, i was approved via " tier 2 '' within XXXX. I XXXX XXXX the phones back on XX/XX/XXXX. The tracking number is XXXX. It was received on XXXX. I had my friend/also works for XXXX call from the local XXXX store shortly after, and it was confirmed again by him and within XXXX the phones were received. This was documented. I continued to get calls and bills showing a {$1100.00} bill. Now my monthly bill was around {$200.00} and i was never late. The jump was due to not returning the phones. Again, both myself and the XXXX employee called. This was XX/XX/XXXX. Again, the spokesperson said the account showing a XXXX balance. I got another bill and I called on XXXX. Again, told me XXXX balance, but i keep getting bills. The XXXX rep then called on Sun XXXX.. this was an " internal support ''. He tells me this is unfortunate standard practice and it happens a lot- they dont credit the account for returned phones. Due to this call from the XXXX employee ( getting his manager involved too ) XXXX was supposed to have a special appointment call me later that day, their confirmation number was XXXX. I never got a call. 
They sent to collections and now wont discuss it. I've sent an email to XXXX ( the debt collector ) but they are XXXX help and just sent me a copy of the bill. Again, jumping from {$200.00} to {$1100.00} in 1 month. They offered XXXX response to my detailed explanation and have refused to write back. I've also had the same XXXX rep call on XX/XX/XXXX, but they wont discuss the account due to it being " charged off '' I would like this complaint against XXXX XXXX and XXXX. The reference number from XXXX is XXXX. I messaged them on XX/XX/XXXX, XXXX XXXX all they did was send me a copy of a bill.
Consumer complaint received 2021-08-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) reporting inquiries without my permission as well as inaccurate reporting of the collection as an " Open Account ''. Also, some inaccurate reporting that needs to be removed immediately. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (DC)

On Tuesday, XX/XX/2021, I logged into my account at Xoom.com, which is a subsidiary of XXXX XXXX , XXXX Xoom advised that there was a compliance problem with my account and that I needed to call Xoom to clear it up. I called several times that same day and the following day, and after more than 5 hours of speaking with Xoom representatives, supervisors, and other Xoom employees, none of such Xoom agents were able to provide an explanation of the pending compliance issue or resolve the problem. 

On Wednesday, XX/XX/2021, I received an email from Xoom, which read, in part, " Based on a thorough review of your transactions and/or your recipients transactions, we have decided to close your Xoom account. This decision is final and can not be appealed. '' And after speaking with Xoom and XXXX customer service representatives after receiving this email, they continued to be unable to provide additional information or resolve the problem. 

People I talked with included XXXX ( who was rather rude and repeatedly talked over me ), XXXX in compliance, and XXXX, who is a supervisor in compliance who was also unable to provide assistance. I have also reached out directly to XXXX by phone but they have been unable to resolve the issue. 

I am specifically complaining of what appears to be ineffective, arbitrary, and potentially illegal compliance methods and procedures by Xoom and its affiliates. The matter is further disappointing because I have had long standing personal and business accounts with XXXX and such accounts continue to remain in good standing. I would appreciate the CFPB 's assistance in learning the specific reason why my account has been closed and ensuring that the account is re-opened and returned to good standing. 

Thank you.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account was paid off ( all loans paid to XXXX balance ) through the Public Service Loan Forgiveness ( PSLF ) Program as of XX/XX/XXXX. The account on my credit report is still reflecting total balance owed {$99000.00} and last update was XX/XX/XXXX. I tried calling XXXX several times to ask about an update to show " PAID OFF '' and " XXXX Balance owed '' on my report. I was advised to contact annual credit report. This negatively impacting my ability to acquire new loans and/or credit in the future.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I purchased a vehicle XX/XX/2019 with a monthly payment of about {$650.00}. A few months in I have called for a deferment because I lost my job at the time. Unfortunately I didn't keep names or dates, but it was a fairly simple call the person had me on hold to take notes and said your payments are deferred. A couple of months later I checked my credit and saw it was not being reported until the summer. Then I saw late payments on my account and when I called I was told they don't offer deferments and that my car was in a repo status. I had to make payment plans of over XXXX a month include multiple late fees and though at the time I just started a new job I could not afford the payments. They tried to even put me on a payment Plan XXXX, and when I made these payments, credit acceptance kept putting me late every month because I could not make up for the balance of prior months. The payment needed to be paid in full or I would not get an on time payment I contacted my local XXXX XXXX XXXX and was lucky enough to refinance and was told I can dispute those late payments and I have tried by sending bank statements, I've tried with XXXX XXXX XXXX, and XXXX. I remember a phone call I had with someone at corporate and they told me sorry for the misinformation but there is nothing I can do for you. 

There are 8 late payments at over 120 days reported, this doesn't represent me as a creditor. I have a current car loan, no late payments and a car loan prior to Credit acceptance no late payments. 

They dont allow customers to listen to the recorded calls, They dont allow late payments removal though other companies do especially when they understand if the customer usually pays on time and the car was refinance paid in full. This has affected my life in such an negative way. Not being able to get the apartment or credit card or even a new car on my own. 

I was paying XXXX for a car that was purchased for a bout XXXX more than double I was paying. I also purchased the care XX/XX/2019 and made the first payments at the XXXX but on the statement it says its started XX/XX/2019. I emailed the CEO and he sent me to a department that works this. And you cant called them, they call you. I know there is a law suit against them I wasn't to take them off my report. This is abuse they took advantage of people that needed help. I lost my job because I didn't have a car.
Consumer complaint received 2023-03-20
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. (FL)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding [ information on my credit report ]. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

DPT EDXXXX XXXXLate Payment DPT EDXXXX XXXX Late Payment XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX  Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Consumer complaint received 2023-03-20
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: NCB Management Services Inc. (FL)

I received an alert on my XXXX app on XX/XX/2023 that a XXXX  hard inquiry was pulled from my report. I did not XXXX for any XXXX credit card and reported this as fraud to the XXXX bureaus. We placed a freeze on my report and setup up fraud alerts. Please have this inquiry removed as it was not from me. 
There is also a collection account NCB management services ( XXXX ) that is also displayed on my XXXX and XXXX credit reports. This is also not my account and needs to be deleted.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MI)

I use XXXX XXXX for credit monitoring purposes and in XX/XX/2019 I discovered that a collection account was added to my report without my knowledge. I never received notification in the mail that the account was in collections nor was I given the ability to dispute the validity of the debt and I was not given the right to request information to verify the debt. Further, I never received a phone call/voicemail letting me know someone was trying to contact me regarding this account.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (FL)

Since XX/XX/2022 I have been charged XXXX NSFs totally around XXXX. In the intermediate I have called to explain my situation ( medical+hurricane XXXX ) and they have assisted me in some capacity ( moving dates due on loans and refunded 10-12 NSFs ). 

However, I have paid around XXXX in interest just last year ( 2022 ) on my credit accounts with them. All I am asking for is to refund half of the fees, which only accounts for around 15 % in just interest I have paid to the credit union. 

XXXX fees is absolutely ridiculous. I do not qualify for overdraft, I have no savings to link. I am just asking for reprieve.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My XXXX XXXX XXXX mother, was scammed and sent 4 checks to someone she did not know. The 1st 3 checks to the same person came out of the Wells Fargo HELOC acct. The checks were XXXX, XXXX and XXXX. The bank was able to get the XXXX back. 
Then my mother sent a Wells Fargo trust checking account check to the same person for XXXX. The bank says my mother signed the check, so, so sorry. I say, she also signed the HELOC checks and you got that back. 
In the interim, XXXX XXXX, a criminal financial investigator, of the XXXX County Sheriff 's Office has requested from Wells Fargo information on what bank was the money deposited by the scammer. At first they said they had no copies of the checks. Due to my diligence at the beginning of this mess, I sent copies to the sheriff 's office and XXXX XXXX told Wells Fargo that he had the copies and would send them to them. As of today, they have asked for an extension. Ridiculous. Our case # is XXXX. Give the man the info, so he can do his job.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020, I, Mr. XXXX pulled my credit report thru XXXX and after I went over I found out THREE accounts on it that I did not recognize. I started to do my own research with a friend of mine that I know he went into a similar situation and on XX/XX/2020, I went to filed an Identity Theft Police Report, on XX/XX/2020, I started my first dispute, after the second dispute, the other accounts were removed from my report ; as of todays date I have submitted my documents to the Credit Bureaus three times ; so, I am now taking an extra step to remove an alleged account with XXXX that is repeating TWICE on my XXXX  and EQUIFAX credit report. For reference, I am attaching a copy of my last dispute. This account is not mine and it is affecting me very much, I really hope that this time this account will be off from my report.
Consumer complaint received 2023-03-20
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: ID Analytics, Inc. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account Number XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name XXXX XXXX XXXXXXXX Account Number XXXX XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX XXXX Account name : XXXX XXXXXXXX Account Number : XXXX XXXX Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-20
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : 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 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-09
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. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-03-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roadrunner Account Services, LLC (KY)

RoadRunner Financial is the company ( Roadrunner account services LLC ). They send multiple text every month before the payment is do. I have not missed a payment. My recent payment was made already and I keep getting text the payment was missed although I have received confirmation of it and the money has been taken out of my account. The practices are very poor and have been a miserable since Ive had them with all the spamming of a payment that is going to be made. ITS NEVER BEEN MISSED THEY GET PAID EVERY MONTH.
Consumer complaint received 2023-03-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OK)

This is about previous complaint # XXXX The Wells Fargo response was not about me trying to assume the loan into my name, which they denied. I sent them the assumption application in XXXX  not XXXX  like they sent me.That was a entirely diffrent loan with XXXX XXXX to get the mtg. payments lowered. I was forced to sell my home due to their denial. I had been paying the mortgage without my ex-husbands help, since XX/XX/XXXX. I sent all the email responses from wells fargo to do with the assumption also. I consider there so, called responses as unfair practice. Their so-called resolution dept. is a joke and their Mtg. team was of no help. They never returned my calls and never answered the phone.It 's been a total wast of my time..