davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WI)

XX/XX/2022 I received a letter from our mortgage loan servicer Freedom Mortgage stating ourn loan had been transferred as of XXXX XXXX to XXXX Mortgage. 

XXXX Mortgage then reached out to me to offer me a new loan to get out of my XXXX YEAR MORTGAGE with Freedom... 

WHAT!!!! 

I took forbearance for several months with Freedom based on them REPEATEDLY telling me to do it. ( I figured fine, I am self employed and was not sure where things were headed due to XXXX... ) Was a great opportunity to pay off a few things and get a better grip on our budget. 

I was told, as it should be, that the mortgage would be readjusted with skipped payments added on the end of the loan, which is fine... 

I never received any " official '' paperwork just a new payment slip ... .I simply started making payments again ... Thank you Freedom...?? 

When The ROCKET tried to get me to refinance with them their costs were ridiculous. And I requested proof of this XXXX year mortgage, as well as Freedom. No responses... 

I refinanced with XXXX locally and they were great, and at least {$8000.00} lower than XXXX. 

I want to lok into Freedom to see if this was true as it would have scammed me out of XXXX months woth of interest!!! ~ Or is XXXX playing dirty??? 

One other thing : When I was with XXXX XXXX years ago I got scammed and some who got caught are still in jail. I feel it was an inside job due to all of the info they had. I have been waitin for response from XXXX Gov for years, I just keep getting inmate updates. Any way to make this a second ( or third ) complaint? 

Thank you in advance for your time.
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Levy & Associates, LLC (NC)

I was notified of a summons of garnishment by my current employer. After reviewing the summons sent to my job, Levy Law Firm Co., has my former name, address, and phone number from over 5 years ago. I called Levy Law Firm in XX/XX/XXXX to attempt to correct thewrong contact information and set up a repayment plan but they have not helped with anything. Im the sole legal provider for my son and Im now having difficulty paying bills because of the garnishment applied being pulled from my wages. My court date per the summons is XX/XX/XXXX for a total of {$4800.00}. I recently found out that this summons was sent to my prior address even after I requested it to be changed and the tenants at that property are texting a picture of the summons to individuals that now have access to my social security.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (TX)

Chime locked me out of my account, because I sent my money from one bank ( which is now closed ). {$6000.00} is in my chime account and they refuse to give it back to me... I am close to filing a lawsuit against chime. I have sent them more then what they needed to unlock my account.. they still ask for things that I have already sent.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. 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 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
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Freedom Mortgage continues to claim in a later I recently received dated XX/XX/2022 that I do not have insurance coverage for my house and is going to purchase it on my behalf. Freedom Mortgage claimed that they attempted to reach my insurer, XXXX, for this information, but have been unable to provide a good faith effort that they did in fact do so. Freedom Mortgage provided me with a website to upload the proof of insurance, XXXX XXXX XXXX. This website does not work. I tried to access it many times. I then emailed Freedom Mortgage through their secure message system a copy of my insurance documents and asked them to confirm receipt. They failed to confirm receipt and said my inquiry will take 2 weeks of " additional research ''.

I am convinced that Freedom Mortgage is engaged in predatory behavior where they are purposefully failing to recognize my insurance documents in order to purchase an insurance policy on my behalf at an exorbitant rate. This conduct is completely unacceptable.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$850.00}
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I disputed {$1700.00} worth of transactions that was made from my account they gave it back and then now my account is in the negative. I still dont have a debit card i tried to go in the branch and get XXXX they said call customer service. Its been over a month my account is still negative and no debit card has been issued im so XXXX XXXX.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

Experian 's report dated XX/XX/XXXX, shows almost all inactive/closed accounts, and XXXX which are open but inactive. None of my current credit accounts are shown, XXXX  : XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX to name a few. As a result, there is insufficient/or no information about revolving and open-ended accounts which is the basis most lenders evaluate/review to issue their credit card. Consequently, I was denied a XXXXXXXX XXXX XXXX, issued thru XXXX XXXX. I spoke to at least XXXX Experian departments over the last XXXX weeks about their over-sight and asked that they revise my report to include my current cards. I was told that a vendor/lender had to be a " subscriber ' of Experian 's service in order for the respective lender 's credit information to be included in Experian 's report. I called XXXX XXXX ( application department ) yesterday to verify this requirement and was told that there is no such requirement. Amazingly my credit score with experian is XXXX.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2022-08-03
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. (LA)

I have submitted several letters to all XXXX credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. NONE OF THE BUREAUS IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. Only XXXX bureau is showing the ''Account status '' as open and the other 2are saying that this account is closed. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2024-10-30
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. (GA)

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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. (IL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-08-03
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. (TN)

In accordance with the Fair Credit Reporting Act, 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Consumer complaint received 2024-10-30
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. (PA)

Attention : TRANSUNION I would like all of my unauthorized inquiries, my derogatory remarks, collections, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Child Support Account Name : XXXX/DOFED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Secured Loan Account Name : DEPTEDXXXX  Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX  Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX  Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : DEPTEDXXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Utility Company Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Charge Account Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational Account Name : US DEPT ED Date Filed : XX/XX/XXXX Type of Account : Educational
Consumer complaint received 2022-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

I consumer : XXXX XXXX jointly with XXXXXXXX XXXX XXXX went into a consumer credit transaction with Santander Consumer USA on XXXX XXXX, XXXX. On numerous occasions we have reached out to SANTANDER CONSUMRT USA about the issues at hand. Most recently we were informed by SANTANDER CONSUMER USA that they do not abide by the IRS/Treasury Ordinance Department , nor the Uniform Commercal Code ( UCC ), nor the United States Code ( title 15 ), nor the Truth in Lending Act ; and finally mot even the Consumer Finance Protection Bureau ( CFPB ). All this is alarming and disturbing. All this was divulged at approximately XXXXPM est. standard time on XX/XX/XXXX with Agent XXXX from executive offices employee # XXXX this was all on a recorded line. Agent XXXX from executive offices employee # XXXX informed he called concerning the requested title for the vehicle. Agent XXXX from executive offices employee # XXXX informed me that they would not be granting me the title. Agent XXXX from executive offices was informed that a 1099-A was done on the account and vehicle and that a 1099-C was going to be done in addition. Agent XXXX employee # from executive offices informed that they do not accept IRS forms 1099-A nor any of the IRS/Treasury Dept . forms or documents. 

The reason this was done was because on XX/XX/XXXX Santander reported the Account status as closed and the remarks regarding the account as ; : charged off as bad debt Profit and loss write-off. When communicating with Santander in regards they denied the account status was closed and that they had reported that ; despite the credit reports reading otherwise. When asking Santander the reason as to why, Santander infomed the charge off was because there was no payment for 120 days. The report read otherwise stating that last paynabt was nade on XX/XX/XXXX and also reported that time late XX/XX/XXXX days were XXXX. This is all in the report. 

The reason Santander most likely closed this account was due to the Affadavit sent to Santander Consumer USA and there tacit acquiesence of non response. Again when reaching out to Santander to in regards to the affadavit sent by registered mail Santander gave me every excuse they could find as to why they have exceeded the legal and lawful amount of time to answer. 

After realizing they charged the account off and reported it closed as profit and loss write off, I filed with the IRS/Treasury Dept . Santander is reporting inaccurate and fraudulent information violating title 15. Santander in addition sent correspondence stating I infomed them I was military and no such correspondence has come from me in regards to the military to anyone. i value our service persons dearly and have many family members serving and that has served this county. This is slander and libel. 

In concluding all documents and receipts are contained within in regards to this report,
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX  Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged