davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (UT)

We received a notice dated XX/XX/2020 from our bank that our mortgage company, Freedom Mortgage has reported our mortgage payment as " delinquent '' to credit bureau. Not only has our account NEVER been delinquent, we are paid through XX/XX/2020. When we contacted Freedom Mortgage 's Customer Service, they acknowledged there was no history of delinquency. Rather than fixing the problem within Freedom Mortgage, we were instructed to submit an email to dispute the filing. 

According to the CFPB data base and other official sources, Freedom Mortgage has a history of unethical practices. Since this is their error as acknowledged by their Customer Service department, why is the responsibility to make the correction on us? Why wasn't this done immediately in-house rather than requiring us to file a dispute? 

Furthermore, we question the timing. We have been contacted by Freedom Mortgage to refinance at a lower interest rate which we have not done. We believe this action of reporting our payments as delinquent is a deliberate action by Freedom to sabotage attempts we may have of refinancing with another lender by wrecking our credit. 

We were not pleased when, immediately after closing on our home last year, that the mortgage was sold to Freedom as we have read horror stories about their practices. We believed if we kept our heads down and maid the payments on time that they would leave us alone. We were wrong. Please help.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

This all started last year when I opened an account with XXXX XXXX XXXX to pay for an extended warranty for 0 % APR ... Upon using the card 1 time for this payment, I put the card away and setup auto payment. I checked it every couple months but never more. Apparently in XXXX Elan Financial began sending us notifications that ELAN would be taking control of my XXXX account. The notification DID NOT come from XXXX it came from a financial institution I HAVE NEVER done business with. I threw the mail away accordingly. When the transfer was complete in XX/XX/XXXX/early XX/XX/XXXX, ELAN didnt bring over my autopay, never made any attempts to contact me other than mail that I threw away, and XXXX never said ANYTHING. The transfer CANCELLED my auto pay and I was never notified. 51 days later I received my first phone call from Elan notifying me that I was 51 days late on a XXXX, which I HAVE NEVER OPENED A XXXX, I only use XXXX  ... this is when I learned about the transfer and how they SWITCHED MY CARD without my permission. They canceled my auto pay and they ruined my credit.
Consumer complaint received 2022-10-18
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)

In accordance with the Fair Credit Reporting act XXXX  Recovery In Account # XXXX, has violated my rights. 

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 2022-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Opened and account with Citizen 's Bank in XX/XX/2022 with a promise for a {$300.00} welcome bonus with a direct deposit of {$500.00} of more. Received a {$500.00} direct deposit in XXXX of 2022. Never received the account bonus, and the account was closed by XXXX 's, therefore leaving me unable to receive the bonus as advertised.
Consumer complaint received 2022-10-18
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)

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 : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 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 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Express Recovery Services, Inc. (OR)

Express Recovery -XXXX : Express Recovery is collecting on a debt I do not owe. I never received a letter or call from them. As soon as I saw this on my credit report, I called an paid it. Since I never received any correspondence regarding this matter, it is in violation of my 30 day right to dispute opportunity. Please remove this from my credit report.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXXXXXX credit card refused to verify and remove the account from my credit report which affected my credit. I have asked them in writing and verbally to remove the Closed account. The only account with XXXX XXXX verified and accurate is the account with a {$2000.00} credit limit.
Consumer complaint received 2020-05-15
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: Bread Financial Holdings, Inc. (TX)

On XX/XX/2020 at XXXX hrs, I shopped at the XXXX, Tx XXXX XXXX and purchased over {$67.00} worth of items. At the checkout, the cashier informed me that I can get an extra 15 % off if I apply for an in store credit card. I inquired about credit check. She stated that its an in store credit card and only a soft credit check is pulled. I told her that I didn't want it to effect my credit score. She replied back that it will not. 

On XX/XX/2020, received a letter from Comenity Capital Bank about a credit card that I applied for. I called Comenity Capital Bank on XX/XX/2020. I told the Bank Rep that I did not apply for a Comenity credit card. She is informed me that XXXX XXXX is one of their customer. I asked about my credit report and she informed me that there was a hard credit report pulled in my name. I informed her that I didn't apply for Comenity Capital Bank credit card. 

Bottomline, 1. XXXX XXXX mis-represented the product and did not properly inform me of my right as a customer. Employees need to be educated on the different between hard vs soft credit check. At the end, there was a hard credit check on me. That was not what I was informed by the store cashier. 
2. Comenity conducted the hard credit pull without my permission and its customer to mis-represent their product ( credit card ). At the end, my credit score has changed because of their violations. 

3. The hard credit check violated my right for the following reasons stated above and laws in the attached complaint. 
- FTC Violation - Truth and lending violation - Fair Lending violation - FCRA violation
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance, a car financing company, reported to XXXX, XXXX  and XXXX that I was 30 days late in XX/XX/2020 for acct # XXXX. Before my payment was due, I called the company to let them know I was affected by the XXXX. I requested for help and if I did not receive my unemployment in time, could they mark my account as " Affected by Natural Disaster ''. 

Credit Acceptance instead, reported my account as late, which dropped my credit score 85 points, I'm so sad. I contacted credit acceptance and they refused to change the reporting. This late payment has affected my Excellent payment history with them. Please investigate the inaccuracy of Credit Acceptance reporting of my account.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2020 i deposited two checks, each for {$1200.00}. This is a recurring transaction. Several days later the payor, a tenant, advised that the funds were not withdrawn from her account. I checked my Citizens bank account and saw that only {$1400.00} was credited. I called Citizens Bank customers service and was told the issue would be resolved. As of today it has not and I have had to contact the branch again. I did send a message via the contact section on the mobile app, but have not received a response.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$78.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXXXXXX date Opened : XX/XX/XXXX Balance : {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

We purchased a home using a VA loan from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time of purchase, we were only required to have hazard insurance. We even have disclosures indicating that no other insurance was required. Seeing that we live near XXXX Texas, we thought it prudent to have flood insurance so we purchased that as well. Around XX/XX/XXXX, we received a letter from XXXX  that the loan as to be transferred to NewRex LLC DBA Shellpoint Mortgage Servicing ( NR ). Shortly after we received our " welcome package '' from NewRes with a letter telling us about the transfer and where we could submit our next payments. There were no other indicators that anything we amiss with our mortgage. Nearly a week after XX/XX/XXXX, we received a letter from NR indicating that they did not have a current copy of our homeowners ' insurance. We immediately complied by sending them proof of our coverage. Shortly after XX/XX/XXXX, we received another letter indicating that they did not have proof of our flood insurance. Mind you this was not required when we purchased the home, nevertheless, we had it anyway so again we submitted proof of coverage immediately. About 2 weeks after XX/XX/XXXX, we received yet another letter indicating that we did not have wind insurance ; and again, it was never required and in this instance, we never purchased it. I received the letter sometime at the beginning of XXXX and at that point, COVID-19 was in full swing. It was increasingly difficult to reach anyone on the phone at NR to question why all of a sudden we were required to have wind insurance when there were no indicators that this was a requirement previously. I called non-stop and email incessantly but was not able to connect with anyone. towards the end of XXXX, after I received our 2nd notice related to the lack of wind insurance, I bit the bullet and purchased it opting to fight with NR about it later. Today, XX/XX/XXXX, I received yet another letter from NR ( dated XX/XX/XXXX ) that since I did not provide proof of coverage that they purchased it for me, back-dated it to XX/XX/XXXX, and billed me more than 3 times the cost of the coverage I had purchased for the property. We sent the proof of coverage about a week before this letter was generated as still they are trying to hold us liable for coverage backdated to a point when we had no idea we were even supposed to have it. They never notified us back in XXXX that this was even a requirement and now are trying to make us pay for their mistake. The prorated amount they are demanding we pay is more than the entire annual payment of our current insurance premium.
Consumer complaint received 2020-05-15
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. (CO)

Transunion has an account listed on my Credit File that is from XXXX Store Card Acct number XXXX and they are reporting this account and showing a negative payment history. I was never on this account, I never had any financial ties to this account. I am demanding that Transunion REMOVE this account from my file as it is not my account. If they would bother to verify the information they would see that the account is not mine, never was mine and should not be reported against me. You have 30 days to remove this before I have my attorney reach out to you.
Consumer complaint received 2022-09-19
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. (PA)

As an Consumer thats protect by the laws of the FDCPA I would like the attached items on my Consumer report to be deleted. See attached ; Inquiries/accounts ; INQUIRIES ; Police and Fire FCU/PA Date open XXXX Reporting to EXPERIAN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Reporting to EXPERIAN XXXX & XXXX XXXX Reporting to EXPERIAN I never gave your agency PERMISSIBLE PUROPSE to furnish anything on my Consumer report. Per 15 usc section 1681 ( B ). And this also VIOLATES my right to PRIVACY according to 15 usc section 1681. And I would also like the following accounts removed due to the above mention VIOLATIONS as well ; Accounts ; XXXX XXXX # XXXX Date opened XXXX XXXX # XXXX Date opened XXXX XXXX XXXX XXXX # XXXX These accounts are reporting inaccurately, and I have a right to a FAIR and ACCURATE Consumer Report per FDCPA and the FCRA. And its also a VIOLATION of 15 usc section 6802 ( A ).
Consumer complaint received 2022-09-19
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. (IL)

In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. DEPT OF EDXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Account # : XXXX 7. US BKPT CT XXXX  XXXX Account/Reference # : XXXX 8. US BKPT CT XXXX XXXX Account/Reference # : XXXX XXXX. US DIST CT Account/Reference # : XXXX 10. US DIST CT Account/Reference # : XXXX 11. DPT EDXXXX Account # : XXXX 12. DPT EDXXXXXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-19
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. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (PA)

Bank subject to complaint is Comenity Bank. I applied for a line of credit for a credit card through their XXXX the XXXX of Jewelry Card. I was given the following reason for my rejection : " because you are under the age of majority ( the age to legally enter into a contract ) in PA, we are unable to extend credit to you at this time '' This is incorrect, as the age of majority is XXXX in PA, and i am XXXX XXXX XXXX. 

The notice I received had no contact information on how i can dispute the incorrect decision. 

I called Comenity 's main line, where the customer rep told me that there is nothing she can do and that the rejection notice was final. I asked for a supervisor, and she agreed but said " they will tell you the same thing ''. The supervisor transferred me to a new department, but the transfer led me to an automated message with no action to dispute the incorrect decision. I was told I could " write '' to the address on the letter, but given that my application was rejected under false pretenses and the need to take out a line of credit, The lack of contact points Comenity provides is not a good-faith effort, and it's plausible they reject applicants on false pretenses to hope they avoid going a tedious communication method. 

It's complete age discrimination I am facing here. I have more than enough income to supplement the credit i am asking for, and Comenity denied my application based off of false pretenses. When i informed them of this blatant error, I was given no choice to actively discuss why my application was denied. Its despicable.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (IL)

I received an alert from Experian on XX/XX/2022 my home mortgage increased by {$4300.00}. My mortgage balance was {$330000.00}. I have called XXXX XXXX  XXXX to find out why they are reporting this increase to Experian. They tell me they are not reporting this increase in my mortgage as there is no increase for my mortgage. Experian tells me they are getting this information from XXXX XXXX XXXX. Now I am caught in the middle of this, as it reduces my credit score showing an increase of balances on my credit file with Experian, XXXX and XXXX. To this day, no one is able to fix this for me. It is false information and it is holding me up from achieving a refinance for my home mortgage. What resources do I have to get this false reporting fixed?
Consumer complaint received 2022-09-19
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. (MD)

XXXX XXXX used to be my dealer in Florida. He ran multiple inquiry before getting me into XXXX XXXX  as my auto loan bank. Paid down payment for XXXX XXXX and car was received including documentation. Months later I decided to trade in XXXX for XXXX XXXX which was done successful. Months later XXXX XXXX had to report to XXXX that my trade in vehicle was repoed. Which is false. Ive tried so many times to reach the bank ( XXXX ) but they keep asking me to contact XXXX XXXX whom the manager s name is XXXX. 
15 U.S. Code 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.
Consumer complaint received 2022-09-19
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. (NJ)

I submitted a dispute to all 3 Bureus and only experian was able to remove some incorrect and negative items from my account. How is it that if all bureus go to the same source and one was able to remove wrong information and not the other. Another thing is all bureus are showing information that does not match and are totally incorrect. Violating my rights to 15 U.S. Code 1681 ( 1 ) and 15 U.S. Code 1666b, as well as Violation of 15 USC 1681b ( 2 ) Permissable Purpose. They concluded their investigation stating items verified but did not provide a verification method on how supposedly the alleged verification was done.