davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

I signed up for Automatic payments to be paid with my checking account with Freedom mortgage and gave my banking information and was told I was approved of that payment method. Then I find out that according to Freedom mortgage I was a month behind on several monthly payments. That although my mortgage was being deducted monthly that I was behind a month. My payments were taken out on the XXXX of every month, but they told me they had to report me as being late. I tried resolving this with them, Freedom Mortgage but got nowhere. Then Covid hit and I signed up for forbearance to protect myself. To make this short and brief I was unknowingly put into a class action lawsuit and was awarded a miniscule amount of money they were charging EVERYONE who was either slow or Late. My credit is exceptionally good at XXXX. This mix-up is hurting my score from being higher. I've NEVER not payed my monthly mortgage since I bought this home in XXXX. In fact when Freedom mortgage bought my mortgage from my 1st mortgage company, that 1st company told Freedom I had no homeowners insurance and Freedom mortgage Automatically " signed me up for homeowners insurance that cost me an EXTRA {$500.00} For XX/XX/XXXX and an EXTRA {$500.00} for XX/XX/XXXX. I was out {$1000.00} and couldn't buy XXXX gifts or home heating oil. When I questioned and complained Freedom mortgage didn't care. Needless to say I was put into ANOTHER class action lawsuit against my first mortgage company XXXX XXXX because of " THEIR '' shady practices of screwing homeowners. I'm a 100 % XXXX veteran who is tired of losing money to both FREEDOM MORTGAGE & XXXX XXXX  COMPANIES. ENOUGH IS ENOUGH. I want to be made whole by Freedom mortgage and those 2 so called " LATE '' payments taken OFF my credit report. Please help me resolve this. All it would take is an " HONEST '' and understanding individual to make things FAIR & RIGHT. THANK YOU, SINCERELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Massachusetts XXXX. Cell # XXXX
Consumer complaint received 2024-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MS)

I had an account with Wells Fargo years ago in XXXX XXXX XXXX They'd hold a big purchase and then wait for a couple of small purchases to go through and then hit me with several overdrafts. It happened a lot of times with withdrawals & small purchases as well.
Consumer complaint received 2022-10-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OR)

My father passed away XX/XX/XXXX. He has a VA loan with deed of trust and promisary note and a mortgage payment. He left no will and i am the only heir. first missed payment XXXX XXXX until now did i know the aftermath of loosing my father and trying to understand the loan agreement and probate and who assumes debt, ect.. i sent freedom mortgage a copy of my fathers death cert and informed them and then i kinda just stopped getting the mail and answering phone calls after i bured my dad. its at my negligence for letting the mortgage get 9 plus months behind but i signed into the mortgag comp online account thing and filed for a hardship covid 19 forbearanse plan..caouple weeks went by and nothing so i call custmer rep of company and pulls up info and she says the accouint has been closed so she cant view anythong on anythoing then .I was served Summons papers from Freedom Mortgage corp, they filed a complaint againt the estate of my father the unknown heir and devees and the occupants of the property as well as the state which here i live in. and one other finance company..one of the other occuiopants of the property diled a reply to the summoins for extension. i recieved my last mortgage statement and it informs me that i do not have to make any paymsents until XX/XX/XXXX and renftatement is $ XXXXsomething ... .company did a summons by publication first date of publiction XX/XX/XXXX for the forclourser of the property the statement in which i recieved and it informinf me of the covid19 forbearance approval was XX/XX/XXXX dual tracking is what i suspect the summons papers demanded the entire principal balance of XXXX ..violationg my RESPA rights thank you for your time..
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-02
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: Convergent Resources, Inc. (TX)

XXXX XXXX account was closed in XXXX of XXXX. In XXXX of XXXX we received a statement for a balance due for equipment. We returned all equipment. XXXX months later a collection agency put the amount on credit reports. We showed the equipment was returned and the collection was removed in early XXXX by Credit Protection Association ( collection agency ). 

In XX/XX/XXXX the collection from XXXX showed up on my credit again. This time reported as new, even though the original claim was from XXXX. I have tried to work with both Convergent and XXXX and neither are acknowledging that the debt was related to equipment, nor that this is being reported inaccurately. By re-reporting the same debt from XXXX in XXXX, they have damaged my credit score and ability to purchase a home.

I have now been told this was not for equipment but rather for services. If I had been told this was for services in XXXX I would have paid it. But I was told it was for equipment, validated equipment returned, and collection was removed. I have since paid the amount in full since XXXX provided a breakdown of the final balance due. However, by falsely telling me two years ago this was for equipment and agreeing I did not owe it, I am not being penalized by the resurfacing as a new collection. 

Date is XX/XX/XXXX Reported on XX/XX/XXXX Originally reported on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Acct # XXXX Statement on XX/XX/XXXX references equipment. Removed in XXXX following conversation with collection agency. 

Currently reported by : Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (UT)

I made a purchase with my American Express Card with a XXXX called XXXX XXXX. The Merchant refused to give me copies of refunds they were processing for me. The merchant did give me a Text that I would be receiving the {$9000.00} refund. This has yet to happen. The Text to me becomes part of the contract and is valid as proof that I am owed the Refund. American Express is failing to enforce this. There are other issues that will be addressed when you read the attached documents. This has been an over XXXX month Battle with American Express and with the merchant XXXX XXXX that committed fraud with my card. 

Please see and read all attached documents with greater Details. I started my written complaint with American Express within 30 days of the purchase. In Addition I have requested from American Express on XXXX separate occasions in writing for them to send me XXXX pages of NON Legible Documents. This has still yet to be sent to me. I also feel that American Express is committing fraud with me. 

I have also requested in Writing from America Express how long i have to resolve this issue and American Express has failed to answer me. 

I have other written Documents that were sent to American espress. I am including the First and the most recent written Documents as i am trying to lighten your load as this case is extensive. I could include prior documents should you request them. 

I have written the merchant and sent them a Certified letter and the merchant has failed to respond to my letter. 

I appreciate your efforts on my plight. At the time of this purchase i thought i was purchasing just {$7000.00}. The total comes to almost {$17000.00}. At the time of this purchase i was in the process of XXXX XXXX XXXX  and i would have never made such a large purchase. This is very burdensome on me. 

XXXX XXXX : XXXX XXXX
Consumer complaint received 2022-09-23
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. (MI)

Experian is making a joke towards the CFPB 's ability to enforce regulation : On XX/XX/XXXX I filed a complaint # XXXX - XXXX against Experian. Here is that complaint : Concerning complaint # XXXX filed on XX/XX/XXXX, Experian claimed the XXXX account hd been reported timely. I am asking for Experian to answer the following questions. 
XXXX. What date did Experian receive the AUD from XXXX for the XXXX, XXXX update? 
XXXX. What date did Experian report that information from XXXX to update my credit report. XXXX. Did Experian calculate the XX/XX/XXXX information with the credit score they reported. I find it difficult how my credit to ratio dropped from 70 % to 47 % once the new balance from XXXX posted, yet incredibly my credit score stayed the same at XXXX? 

Experian response : We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. Unfortunately, at this time, we are unable to process your disputes, as they are not specific. 
As you can see, my complaint is as SPECIFIC as can be. Experian claims it is NOT specific. Meaning Experian can not answer because doing so will would be admitting guilt. 
Here are my question again : * XXXX. On What date did Experian receive the AUD from XXXX for the XXXX, XXXX update? 
XXXX. What date did Experian report that information from XXXX to update my credit report? 
XXXX. Once the new balance from XXXX was reported my credit available to credit limit percentage dropped from 70 % to 47 %. Yet my credit score Experian reported did not change. Is the amount of credit I use compared to the amount of credit I have available a factor when credit scores are compiled and from their knowledge how much of a factor does the FICO scoring system put into the balances to consumers revolving credit?
Consumer complaint received 2022-12-29
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. (TX)

Dept. of Ed/XXXX  was advised that this information would be no longer reporting this account because it violated internal policies. See Exhibit 1. This is a confirmation sent from to me on XX/XX/2022 verifying that this above account was removed by XXXX. This was removed because it violated my privacy and an act of Identity thief. According to the FCRA if information is removed or block that in fact, should be reported to the other 2 reporting agencies. Dept. of EdXXXX failed to pass this information on and instead they continued to report the above account verified. 

On XXXX XXXX I submitted another complaint see CFPB complaint # XXXX. You Experian stated that you opened a reinvestigation and that the above account was verified. Once I requested the steps of the reinvestigation, I was denied the process and never received requested information which is a direct violation of Federal law. A FTC Identity theft Report has been Filed with you as Experian as the CRA and a FTC Report against Dept. of Ed/XXXX  ( See Exhibit 2 & Exhibit 3 ) .Considering that this information was removed because it was in direct violation of privacy according to 15 U.S. Code 1681c2. Please revisit Exhibit 1 for verified proof of block. 

Attachments -Affidavit of Truth -Exhibit 1 ( Confirmation Letter of Blocked information ) -Exhibit 2 ( Dept. Of EdXXXX ) -Exhibit 3 ( Experian FTC Report )
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP (IL)

On Friday, XX/XX/2023, I initiated a transfer from my bank to my XXXX account. I had successfully done so a day or two before this time. On Friday, I received an error message saying that they had suspended my transfer and to contact the bank. This was an error with their system I was informed by the bank when I spoke with them the following day ( which was the earliest time I could contact them since the transfer was not during regular banking hours. ) I attempted to contact them three times at the earliest time listed for their hours, and couldn't get through to a customer care agent, as I was advised the bank was closed... even though it was supposed to be open. I called back later and was able to talk to an agent who did say the system had a problem, they were aware of the problem, and they were working to fix the problem, but had no estimate of when the problem would be resolved. I tried again the next day I believe, to see if it had been fixed, and it had been. However, this morning I was notified that the amount was transferred twice, due to this error on the bank 's end. This was very upsetting. This bank had taken over the bank I was initially banking with, and I had never experienced anything like this with the previous bank, or any other bank I've done business with in the past 30 years. Today, the customer " care '' representative told me " Mistakes happen. '' Well, not with my money, they don't. ( Their automated answering system is terrible, and the call dropped three times ( on their end as I made this call with a wired landline phone. Then I had to wait for 15 minutes on hold when I finally was able to complete the connection. ) She said that if they tried to fix it on their end it could take up to 10 days. She told me that I should just transfer the funds from XXXX back to my account. Yes, I already knew that, but I shouldn't have been inconvenienced because this bank made what could have been a serious mistake. I think this is very unprofessional of them. Her attitude was just the icing on the cake. I think it was a " mistake '' to hire HER. Also, it was a mistake for me to use this bank.
Consumer complaint received 2024-11-13
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. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account XXXX : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (MD)

This debt was reported on 2 of my credit reports ( XXXX, XXXX ). The collection account ( The Phoneix recovery Group ) Has been taken off my XXXX on XX/XX/2023. And is still on my XXXX this debt is a fraudulent debt that should have been removed from my credit report. Id like to report this debt Collection issues for it to be removed and be resolved.
Consumer complaint received 2024-09-26
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. (MS)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under XXXX as defined by the XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human XXXX debt bondage.

According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request.

I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Consumer complaint received 2024-10-22
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. (CA)

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Hyundai CAPITAL AMERICA, commits fraud by stating that I, XXXX XXXX, didn't request debt validation from it, by stating this to CFPB : " In their complaint, XXXX XXXX XXXX states Hyundai Motor Finance ( HMF ) is refusing to validate his debt. XXXX XXXX requests HMF provide internal bookkeeping records. Upon receipt of XXXX XXXX complaint HMF has completed a thorough review of XXXX XXXX account and has no record of previously receiving a request to validate the debt from him. A debt validation letter will be sent to XXXX XXXX at the address on this complaint and a copy of his retail installment sales contract is attached to this response. '' I, XXXX XXXX, state that I requested debt validation 2 times! already. Please view USPS return cards that it was delivered and signed!

ABSOLUTE FRAUD!!!