davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
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. (NC)

Affirm INC is unlawfully reporting derogatory information on my credit report without my consent or proper authorization. Specifically, I have not signed any wet signature application or contract with Affirm INC, nor have I provided them with a valid copy of my drivers license or any other form of identification that would legally allow them to report this information. Both Affirm INC and XXXX have failed to provide a copy of any wet signature contract or application demonstrating my consent, raising serious concerns about the legitimacy of their actions. 
Additionally, Affirm INC has listed over 10 closed accounts on my credit report, which is unauthorized, frivolous and inaccurate. This matter requires further investigation. I have not given this agency the authority to access or report any information related to me under the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has negatively impacted my credit standing. I respectfully request that the CFPB investigate this matter and ensure that the derogatory and frivolous information is removed from my credit report immediately. Thank you for your attention to this serious issue
Consumer complaint received 2024-11-06
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)

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 and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-16
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. (TX)

XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. XXXX, Transunion, and XXXX. The debt has been paid. The account shows a XXXX balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My credit card was stolen and used fraudently for thousands of dollars worth of purchases in XX/XX/year>. While most of the fraud claims were resolved quickly and without issue. One of them, rental car transactions, has been my living nightmare. Capital One has allowed XXXX XXXX XXXX to charge my account ( with A OLD and CANCELLED credit card ) upwards of {$6000.00}. Collectively I have spent nearly 10 hours on the phone with representatives and the last time was assured any charges would be marked fraudulent and I would not have to deal with this moving forward. Exactly 1 week later ( today, XXXX ) I have 4 more transactions from XXXX XXXX car on my account linked to the stolen credit card. Capital One is not doing their due diligence and is severely harming my financial health by allowing these fraudulent transactions to take place. The fraud team, save for a few individuals, does not do their job correctly and needs to actually speak to merchants who are charging these transactions. Capital One has documentation from XXXX XXXX XXXX that the rental was not made by me as the person who rented it provided THEIR ID.
Consumer complaint received 2018-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I was going to fall behind, I call the company to start a payment program, they told me my payment had already been made, I knew it hadn't. I attempted to make a payment, they refused my payment, and then they began overcharging my account. I called in to speak with management and started to explain the situation and then she hung up on me. I have documentation of dates times and names.
Consumer complaint received 2018-01-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IN)

I lost my job in XXXX 2017. I contacted Freedom Mortgage to request a forbearance in XX/XX/XXXX. In 15 years I have not had a late payment on any line of credit. I assumed this process would be fairly simple. 

I was sent a document file for " Loss-Mitigation ''. I contacted the company because I did n't believe it was the correct document. They assured me that I had to fill it out and return it. I continued to pay my mortgage through XX/XX/XXXX. In early XX/XX/XXXX I had still not received any word from Freedom Mortgage about the forbearance request. I submitted the " loss-mitigation '' packet as requested. They assured me that forbearance was a quick process and that they would get back to me in three days. I contacted them the following week ( the week of XX/XX/XXXX )  and they told me that they had not received several documents that were included in the packet. After some debate they were able to find them. I called later that week to check on status and they told me that I did n't need to submit the file for forbearance and that I would just file over the phone. I did, but four weeks later I have still not been granted the forbearance. 

I have had numerous calls with the company - every week, sometimes 2-3 times per week. I had credit near 780 when this started so was anxious to protect it. I called yesterday ( XX/XX/XXXX ) to see if an answer was reached and was assured that they would have an answer by today. When I called today ( XX/XX/XXXX ) I was told that the request was AGAIN filed incorrectly - my request for " modification '' was declined because I was missing paperwork. I stated again that I did not want a modification, only a forbearance. They again told me that this is a simple process and made me go through the request process again. I still have no answer. 

1. I have been assigned three different " Single Point ( s ) of Contact ''.

2. I have submitted expense detail, income detail, letters describing my termination of employment, bank statements, pay stubs and written requests for forbearance three times. 
3. I have been assured each time I call that the request was in process and near a decision, but it remains unanswered.

4. Every single request I have made for returned calls and/or emails have been ignored.

5. I am now receiving letters describing pending foreclosure action.

Quite simply, I believe I have been lied to by staff members at Freedom Mortgage.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, 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: JPMORGAN CHASE & CO. (FL)

hello my name is XXXX XXXX i feel discriminated. here i explain in age and nation origin also my XXXX condition. I 'm am a young man that never applied for credit card and soon i will be going to school it is not right that i been denied by a bank name chase. when i was in high school all my friends had chase and i feel chase i like to have credit card but i applied three times i been denied by the credit card application i really feel discriminated is not right that every one else get one and i do n't. the chase bank do n't let me have credit card is not right also is not fair that every one get credit card with chase and i do n't. I 'm a young man is not right a bank of chase i always wanted to have credit card with will not accept me i feel is not equal for me feel left behind. i just writing how i feel against the bank of chase really wrongful the bank denied my application. I 'm a young man trying to start with school trying to get a good credit with chase and now been three times is not right for me also how i feel. really feel discriminated starting a future really seriously not correct what how I 'm feeling. located XXXX XXXX XXXX XXXX, XXXX, FL XXXX Chase Bank ( XXXX ) XXXX or XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-06
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: Experian Information Solutions Inc. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (CA)

I received a refinance with XXXX XXXX XXXX XXXX back in XX/XX/XXXX. In XX/XX/XXXX the loan was sold to Flagstar Bank, loan # XXXX. My original monthly payment was {$2300.00}. During the time I received a tax statement which indicated that my 2017 taxes had increased due to a HERO loan lien on the property. That lien was paid off during the process of the refinance. Then I received a revised tax statement showing a reduction due to the payoff of the loan. I then received a revised mortgage statement showing an increase in my monthly payment to {$2800.00} I then notified Flagstar of the discrepancy and asked for an analysis be done to correct the mortgage payment and revert back to the original payment. The new mortgage payment is now {$2300.00} which is {$45.00} more than the original mortgage payment. I then called Flagstar and was told by representative ( XXXX ) that there is a cushion required in escrow accounts that Flagstar requires to be paid. Not all firms require this cushion to the escrow account. Nonetheless now my monthly payment has increased from the original payment I agreed. Prior to receiving the adjustment of my monthly loan payment I was never notified in writing by Flagstar to expect an increase in my monthly payment due to a cushion requirement. I feel that as a consumer this additional {$45.00} could later become a hardship, so therefore, I would like an analysis from Flagstar to look into this matter. I was told most likely nothing will be done.
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (NV)

There is a collection account filed with CBE group that was assigned by XXXX XXXX after the account was billed for an increased amount without notification or authorization. I talked to a XXXX XXXX representative in XXXX of XX/XX/XXXXregarding this and she did not acknowledge a payment that they sent me a receipt on, told me they did not have to notify me of a fee increase, refused to allow me to talk to a supervisor and refused to accept a partial month payment for a two week period covering the last week in XX/XX/XXXX and first week of XX/XX/XXXX The receipt i have from XX/XX/XXXX was almost $ 50 month higher than XX/XX/XXXX and there was no notification of the increase. It should be noted that I had called XXXX XXXX in XXXX of XX/XX/XXXXto cancel my account because of a similar rate increase and they reduced my monthly rate telling me that they would provide me notification if any rate increase was anticipated. It is important to note that I did not have a contract with XXXX XXXX with any time limitation and was on a month to month service verbal agreement with them. The address for CBE group is shown to be : XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX
Consumer complaint received 2018-01-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I did not authorize an inquiry by XXXX XXXX on my credit report and Experian shows an inquiry by XXXX XXXX on my personal credit file. Experian refuses to delete or allow me to dispute the inquiry. 

This is a conflict of interest. Experian allowed their client to check my credit. I did not authorize and did not provide anyone with my XXXX. 

I spoke with the following : XXXX Supervisor, Special Services - XXXX XXXX
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WA)

XXXX/XXXX/XXXX -- I receive an email telling me there 's a change in one of my lines of credit. I clicked on the linked provided, where it takes me to a page asking if you want to view single report, or a 3 bureau report. I clicked on 3 bureau, and it goes through the process of generating the report. It never notifies you of a charge. I 've never paid for a 3 bureau report before, and never had to. XXXX/XXXX/XXXX I see a charge of {$39.00} on the card on file. There use to be a step in viewing reports where they would notify you of a charge, but they have completely removed that step.Every few months I 've been able to get a 3 bureau report for not charge, so I did n't think anything of it while requesting. 

Their tactics are now fraudulent. 

I call in to the XXXX number for assistance in cancelling, and they walk you through a menu, you then get to one that says, " to cancel, log in to your Experian account, where cancelling is easy '' ( paraphrasing ). 

I log into my account, and under, " how to cancel '' section, it says to call a different number, XXXX, which takes me back to the same XXXX call tree. This time I select 'Billing ', and then it says, " your estimated call time is more than one hour ''. 

After doing some online searching, I find that this is the normal course of action. Nobody can cancel their subscription, and the banks wo n't block the charge. 

This may lead to a class action lawsuit for their fraudulent activities. I 'm only looking for a credit for the report, and to cancel my monthly subscription. If the CFPB can put a stop to their fraudulent behavior, that would be a beneficial outcome.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I opened a Capital One account in XXXX. I had this card and paid the payments as scheduled until XXXX at such time I called Capital One and asked the account to be closed and made the final payment with the representative. Moving forward to XX/XX/XXXX, I noticed there was a delinquent account from capital one for the account I closed. I immediately called capital one to ask why this account had not been closed per my request. I proceeded to file a identity fraud report with the FTC and a police report with the XXXX XXXX Police Department. Capital One informed me that I filed the FTC report after I contacted them about the fraud on my credit report. Capital One has yet ( XX/XX/XXXX ) to respond to my request for all documents relating to this account. According to the FCRA XXXX
Consumer complaint received 2018-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (AZ)

I have informed the Credit Reporting Agencies on XX/XX/XXXX of the inaccuracies and have asked them to have the Collection companies remove them from my report. I explained how I had medical insurance at the time and the insurance company paid 90 % of the bills. However, they refused to pay these smaller bills claiming I had secondary insurance ( which was inaccurate ) Now, I still have not heard back from XXXX regarding my request. 

Plus, my other complaint is by filing a complaint/request with XXXX they have lowered my score by over 20 points. I do not understand ... 

XXXX XXXX XXXX XXXX ( Collections ) XX/XX/XXXX - {$1100.00} XX/XX/XXXX -  {$1000.00}
Consumer complaint received 2018-01-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (MI)

I keep getting calls from Navient for a person I do n't know in reference to another person I do n't know. Three times at least I have returned the calls and told them they have the wrong number, that I 've had this phone number for almost ten years, and each time they promise to remove it from the account, but they do n't. I 've tried XXXX the name they ask for, but the only one I can find in the area XXXX years ago.
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

Between XX/XX/XXXXandXX/XX/XXXX I.C System inc placed a collection on my account originating from XXXX XXXX XXXX that is said to be opened XXXX of XXXX. This information is inaccurate and the debt for {$770.00} is not owed to me. I have already disputed this collection from XXXX XXXX on my XXXX acct and had it removed showing as credence resource management in XXXX of XXXX. It seems as though my information is being sold and sold again. I have already stated the information is inaccurate, not validated and is not owed to me when speaking with them on numerous calls a day even weekends. I am asking this account be removed not only because it is inaccurate and not owed to me but I am in the process of buying my first place as I am a single mother of XXXX living in a house of XXXX. I had my credit in line with no phone bills as required and they slap this account that I am unaware of onto my credit hindering me from moving forward with this process. I am pleading for a resolution to my problem with this company. I take two steps forward and they hit me with something else. Although the accounts are unfamiliar to me it is still an Excruciating process to have your name and credit cleared of false information.
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (WI)

Good Morning, I contacted the City of XXXX on XX/XX/XXXXregarding the payment of my XX/XX/XXXX property taxes and they stated that have yet to receive them. I called Dovenmuehle Mortgage, Inc. to find out why my property taxes had n't been paid. I spoke to a XXXX XXXX and he explained that a check was sent out on XX/XX/XXXX to the City of XXXX, check # XXXX in the amount of {$2600.00}. I explained that they never received it and he said he would check into this matter. Not sure why I was told this as I elected the check be sent directly to me at the end of the year. I called Dovenmuehle back onXX/XX/XXXXand spoke to XXXX XXXX and she explained that a check was sent to me directly and I explained to her that I never received it ( she could n't provide a check number the amount or a date it was sent out ). She then explained that a work ordered was opened stopping the last check and a new one would be issued within three ( 3 ) days. 

I once again called Dovenmuehle Mortgage, Inc. onXX/XX/XXXX( 7 days later ) regarding the status of the " new '' check being issued to me. I was told that a new check was not processed yet, however they had to stop payment on the other check, so it 's taken a little longer. I was frustrated, so I entered their chat room hoping trying a different avenue in getting answers. I chatted with XXXX and he explained the same thing, a new check would be issued to me in 3-5 business days. I felt hopeful. 

I just contacted Dovenmuehle Mortgage, Inc. yet again today (XX/XX/XXXXXX/XX/XXXX ) and spoke to XXXX regarding this matter and yet again was told the check was " in process '' of getting created and sent out to me. I asked to speak to a supervisor and was connected to XXXX. XXXX explained that since they had to supposedly " two '' checks, this process is taking longer than usual. He added that since it was past XX/XX/XXXX, the check would now needing to be sent directly to the City of XXXX for processing. He said that the new check being sent to the City of XXXX would be processed by Friday XX/XX/XXXX. 

I have been chasing my property tax check from Dovenmuehle Mortgage , Inc. for over one month now and it 's very frustrating to say the least, especially since I pay my mortgage/escrow on time every month. This company is very unprofessional and should be ashamed how they handle their customer 's business. I am never given a consistent answer to any of my questions and it seems very odd that no one knows check numbers of these ghost checks and dates they were supposedly sent out. Very shady! I hope someone can assist in this matter. 

Regards, XXXX XXXX.