davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
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. (CA)

In accordance with the FAIR CREDIT REPORTING ACT. XXXX, XXXX and Equifax all violated my federally protected consumer rights by publishing information to my credit report without my consent. As a consumer I am federally protected from these types of corporate high tech identity thefts. These is the information / accounts in question : 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 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  There are also XXXX inquiries on my XXXX credit reports. XXXX, XXXX, and Equifax have all committed fraud and violated my rights under 15 USC 1681 section 602a. that states : I have the right to privacy. I want it.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

In XX/XX/2023 I file Fraud Claim. After speaking with the Fraud Dept. I realized the charge was valid and remitted payment for the charge, Barclay 's agreed to credit all late fees and interest charged as a result which would bring my account current. After several calls over the next two months to clear the interest and late fees charged, I called to inform Barclay 's I would not be using their card during XXXX because of the lack of customer service in relation to the interest and late fee. I was told that the charges would be cleared and in appreciation of my patience a offer of interest rate of 3.99 % for all charges through XXXX. After paying the full balance of purchase made. I continued to be charged a minimum interest which when not compounds a late fee. Over and Over this occurred. What I tried to explain is that the information on my bill states : " you can avoid interest paying interest if you pay your purchases subject to interest in full by the due date. ' This is standard, However, there appears to be a glitch in Barclays system where interest continues to accrue after the due date ( and a minimum interest charge as well ). Therefore, charges mount up continuously. I have taken 10 hours of my time and filed an official claim with Barclay 's to no avail. Now I wonder how many other people just pay and do not notice the excessive charges. 

I would to know that will be investigated. So that no one else is experiencing the difficultty I have endured.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

I called my mortgage company on XX/XX/XXXX regarding payments that were sent to my account and not applied correctly to my mortgage. I was told I still owed for the month of XXXX despite the fact I have been sending several payments.I was told to submit a payment dispute, which I did on XX/XX/XXXX by email. Called the next day to confirm receipt they stated they didnt receive even though I have the automated response stating they did. I was told to resubmit request by fax on XX/XX/XXXX they received the fax. I called back 4 days later and left a message. I was told a supervisor or someone would call me back within XXXX hours. That never happened I have been calling once a week since to get a resolution to my payment dispute. I have the money for my remaining bill but refuse to send FayServing anymore money until they call me regarding my payment dispute and they fix my account. Today is XX/XX/XXXX. I have yet to speak with anyone but I received a letter in the mail for intent to foreclose by XX/XX/XXXX. I have been in good standing on my loan for the past XXXX years. In XXXX & XXXX I was late was making a payment a few of my scheduled payment were insufficient but I made sure I sent in payments after those payments was returned. XXXX is when all heck broke loose and no one will call me back. noone has resolved my issues yet. This is not how a mortgage company is suppose to handle their customers, especially the elderly. XXXX XXXX XXXX XXXX XXXX I should not be going through this at all. XXXX tired and dont want to try to steal my house from me bc of their incompetence. To date I have {$3600.00} on hand to cover my XXXX, XXXX and partially XXXX mortgage payments but will not send Fayserving a dollar until I can speak with a XXXX XXXX XXXX XXXX 
Thanks
Consumer complaint received 2024-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am disputing a debt being reported by XXXXXXXX XXXX and XXXX XXXX. 
I am uploading documents that are PROOF that the 2 accounts listed below are 7 years old and should be DELETED immediately from my Trans Union credit report. 

A ) I have uploaded you part of my credit report showing the account reporting with the Last Payment Made on XX/XX/XXXX B ) I have uploaded a letter from XXXX XXXX  Showing the payment on XX/XX/XXXX. 

C ) Another letter from XXXXXXXX XXXX  showing this account was charged off XX/XX/XXXX. 

According to the information being reported I believe this account has been re-aged and I will go to court if I have to. 

My question is why is the information still on my credit report as the Last Payment Date XX/XX/XXXX is clearly 7 years old. 


Please DELETE both accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-02-25
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. (GA)

As a victim of Identity Theft, I notified Experian via Certified Mail of specific accounts and inquiries as a result of Fraud and Fraudulent Activity and requested reporting be blocked or removed under FCRA 605B. I provided an FTC Identity Theft Report, Police Report, Identity Theft Affidavit, and Proof of my address which included utility bill for past and present address and proof of my identity with a copy of my identification. I received an email from Experian requesting the same information that was previously provided to Experian via Certified Mail on XX/XX/year> picked up by an individual. I also submitted multiple documents via Experian Uploads which confirmed that they were successfully delivered to Experian. However, upon finally being able to speak to XXXX from Experian, he claimed to not have the information which I don't understand how that could be as the documents were delivered and received Certified Mail as well as Experian Uploads successfully. Upon receipt of these items, Experian has failed to comply with notice of Identity Theft and Block. I am also frustrated with the experience that I receive from Experian and poor customer service as they assigned my file to their Consumer Affairs Department which is not helpful as it is a small department via the agent over the phone when she advised that there was no one who could assist me during business hours while XXXX was unavailable. Somehow Experian was able to selectively address the fraudulent inquiries and XXXX  XXXX account with the Affidavit and FTC reports that they say that they don't have but have not addressed the XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX ( Both Accounts ). I have attached the information to this complaint and the required information has been submitted to Experian via USPS Certified Mail as well as online via Experian Uploads yet Experian claims to have not received the information. I provided the report pdf as given to me from the FTC directly from their website with the report number and date and same for the report to XXXX Police Department.
Consumer complaint received 2024-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)

CFPB Dispute Letter Template for AR Resources INC Violations Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to file a formal complaint against AR Resources INC for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Nature of the Complaint : AR Resources INC is attempting to collect a debt from me ; however, they are engaging in the following illegal practices : - Statute of Limitations Violation : AR Resources INC is attempting to collect a debt that is beyond the statute of limitations in the State of Florida, which is 5 years. I believe the debt originated on [ XX/XX/XXXX ] and is therefore time-barred from collection. 
- Failure to Provide Validation Information : AR Resources INC has not provided me with the validation information required under 12 CFR 1006.34 ( b ) ( XXXX ) before placing a collection on my credit report. This includes details about the debt, the original creditor, and the amount owed. 
- Denied Opportunity to Dispute : I have not been given a chance to dispute the account according to XXXX CFR XXXX ( c ) ( XXXX ) ( i ). I have not received a written notice of my right to dispute the debt within 30 days. 
- Deceptive and Misleading Practices : AR Resources INC is engaging in false, misleading, misrepresentation, and deceptive means to collect the debt. 
- Unauthorized Reporting : I believe AR Resources INC does not have the authority to furnish the account to consumer reporting agencies without providing all required disclosures. They are in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( XXXX ) ( A ). 

Cease and Desist : I demand that AR Resources INC immediately cease and desist all attempts to collect this debt, remove any inaccurate information from my credit reports, and stop all communication with me. 

Requests : - Debt Validation : I request that AR Resources INC provide the written debt validation information required by law under 12 CFR 1006.34 ( b ) ( XXXX ). 
- Purchase Agreement : I request a copy of the purchase agreement between AR Resources INC and the original creditor. 
- License and Bond Verification : I request proof that AR Resources INC is licensed and bonded to collect debts in my state. 
- CFPB Investigation : I request that the CFPB investigate AR Resources INC 's practices and take appropriate action to enforce my rights under the FDCPA and other applicable laws. 

Communication Preferences : I revoke all rights for AR Resources INC to communicate with me through email, text, and calls. All future communication must be in writing and sent to the address above. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (GA)

In XXXX of XXXX my Mortgage went up {$400.00}. On XX/XX/XXXX I inquired about why. Freedom mortgage tried to say that I had no insurance and they had to place GAP coverage which was {$3600.00}. My previous insurance was {$1600.00}. I tried to explain that EVEN with that, they increased my mortgage by almost {$5000.00} and none of that adds up. I also explained that I had the same insurance the entire time I have owned this home. Insurance that in the past they had paid when they purchased my loan back in XXXX. 

My new insurance, which I got XX/XX/XXXX, was roughly {$1000.00}, yet my mortgage is ( escrow ) is still up {$300.00} a month, so {$3600.00} a year. Even as of this morning they are claiming I have an escrow shortage. 

Last month, I finally got someone on the phone from Freedom who accidently admitted to me on a recorded line that they had received a cancellation notice from my insurance company, which contradicted everything they had been telling me the entire time of not having ANY proof or information that I had insurance on the house to begin with. When I called her out on that contradiction she tried to backtrack, but eventually slipped with the same information again. 

I filed a previous complaint with the CFPB about the credit reporting and in their response they admitted that on XX/XX/XXXX, shortly after they repurchased my mortgage, they tried to contact my insurance company a single time and did not get a response. No notices were sent to me by Freedom Mortgage regarding the GAP coverage, no phone calls, no emails, no messages on their website, nothing. 

As a homeowner, I did what I was required todo. I had insurance, they had the policy #, they had the company I had insurance through, they had a full month before the insurance expired, but somehow I still got penalized, charged, and in my view, defrauded. The worst part about this all though, ignoring even the credit hit because I had to take off autopay while trying to get Freedom Mortgage to acknowledge their mistake, is this is a common practice from Freedom Mortgage. Just looking at other complains online, through the XXXX, and any other forum, the same story happens over and over. 

Freedom Mortgage needs to be held accountable for their negligent, predatory tactics against homeowners.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC (MS)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Consumer complaint received 2023-01-20
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. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. ()

I had a whole range of issues with Citibank, from deceptive marketing practices and charging me for services that I didnt receive. My credit card also had a insurance cover which they didnt honour. I have been for over 10 years now trying to get Citibank to fix this and still no positive outcome. Citibank promised to pay some money back, however till this day I havent received a XXXX XXXX. To make matters worse they sold my debt to a debt collector. 

Looking forward to hearing from you, XXXX XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (KY)

I received an alert from XXXX XXXX reporting that a collection account had been placed on my credit report from I.C. Systems, Inc. on XX/XX/XXXX for {$570.00}. I didn't receive any written or verbal communication from this company whatsoever. 

I called I.C. Systems on XX/XX/XXXX and had a recorded phone conversation with them. They informed me this was a collection bill from a XXXX account from XXXX. I informed the representative of the following information that this bill was never owed by me and that a XXXX store upgraded my phone at no charge and all I had to pay was activation fees which were paid to take delivery of the new phone. Later to find out the XXXX store closed and this was an attempt to rip off customers and sell inventory and pocket money. I never would have upgraded had I had to pay for a new phone. 

XXXX also unlocked the phone for me so I could change phone providers because of this bad customer treatment. Had I owed money XXXX money on a phone they never would have unlocked it. 

I also informed the representative that they were the third collection agency that had tried to collect this debt which was covered under a XXXX  XXXX Bankruptcy in the XXXX XXXX XXXX Ohio Bankruptcy Court which was discharged on XX/XX/XXXX. Case # XXXX. 

I have also filed previous complaints with the CFPB regarding this matter as listed in the case numbers here : XXXX & XXXX. XXXX and its band of collection hounds should be fined and sanctioned for this type of continued harassment.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (NV)

I have received a call from a blocked number ; I was told that I was being sued in a civil court due a credit card balance owed from XXXX. When I told them statute of limitations was expired in 6 years ( XXXX  ) they started using threatening words and I was given a number to call. They claimed to be an attorneys office XXXX ( XXXX ) XXXX. When I call they had the same exact attitude as the first caller. Threatening with a lawsuit ( they told me that they already filed a lawsuit ) and putting liens against my house. I believe the collection agency 's actions constitute harassment and violated my rights,
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom It May Concern, XXXX I am writing to request the immediate unsuppression of my TransUnion credit report. I recently discovered that my credit report has been suppressed, which is affecting my ability to access important financial services. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to access my credit report and dispute any inaccurate information. I believe that my report has been suppressed in error, and I request that you remove this suppression immediately. 

Please find attached copies of my identification, proof of address, and any other relevant documents to support my request. I also request that you notify me in writing once the suppression has been removed. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-01-19
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. (GA)

I recently reviewed my consumer report and to my surprise, i found XXXX, TransUnion and XXXX reporting inaccurate information on my consumer report.I have included in this complain documents to prove my point.
Consumer complaint received 2024-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXXXXXX