davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AZ)

I started a refinance with Freedom Mortgage on XX/XX/XXXX. The first person I talked to was XXXX XXXX and he is my loan officer. The last he called me or spoke to me was XXXX XX/XX/XXXX, promising that i could skip XXXX and XXXX payments for my mortgage. Since then, he has not returned my various many calls regarding the refinance. When there has been major and important issues with the refinance, like the title issues and a trust, no one from freedom mortgage has called me. I payed {$300.00} to my lawyer to fix trust issue, that he stated happens in refinance all the time by the mortgage and title company. I have sent emails to XXXX XXXX on XX/XX/XXXX and XXXX, and he never replied. I left voice messages on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX. He has not called me back, but i got an email from XXXX on XX/XX/XXXX, telling me to sign Freedom mortgage papers stating I needed to fix an issue that I had fixed 2 weeks prior, without any acknowledgment of any of my concerns. I called the Freedom Mortgage customer service on XX/XX/XXXX to see if i could reach XXXX XXXX, XXXX XXXX Supervisor, i left a voicemail and had No response. I called the Freedom mortgage customer service line on XX/XX/XXXX, to request a new loan officer and file a complaint, and i have not heard back. On XX/XX/XXXX i have been called by the Title company " Inspire Closing '' that Freedom not approving my loan because of my divorce decree. This is something that should have been addressed back in XXXX And everything I have learned about the issues of my loan with Freedom has come from " Inspire Closing '', not Freedom Mortgage. 
This delay is causing many issues with my credit applications. I have expressed this with Freedom. They have me in contract for refinance and it is infringing on my ability to do anything with my credit. They target veteran with XXXX and then abuse their power. I have racked up {$240.00} late fees with Freedom since they promised i could skip payments. I had paid {$300.00} to lawyer. I need a refund on that unnecessary expense that Freedom forced me into. and XXXX XXXX promised i could skip XXXX and XXXX payments thats {$2900.00}. Total of {$3500.00} in money owed to me as a contract consumer. I need someone from Freedom to finish the refinance with professionalism and that will contact me.
Consumer complaint received 2024-07-15
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. (NY)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (DC)

XXXX. Chex Systems shows a non-sufficient activity report from XXXX XXXX XXXX  that I have an unpaid balance of {$130.00}. 

XXXX. XXXX XXXX  denied my application to open a CD account based on this report.

2.This is not my account nor have I ever lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC. This was my mother 's account who lived at that address. 

XXXX. After my mother ( XXXX XXXX ) became XXXX with XXXX, I administered payment and reimbursements of : medical expenses, assisted living expenses, geriatric care fees, and other living and personal expenses. This was funded by my mother 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that went into the account. 

XXXX. After my mother 's death on XX/XX/year>, XXXX XXXX  stopped. The account ceased to have a source of funds*. (. XXXX XXXX XXXX  continued to process account fees and other debits after the account funds were exhausted while tacking on NSF fees. 

XXXX. This adverse report from an account which is not mine has unfairly caused me to be denied services from a financial institution despite my XXXX XXXX XXXX. 


*Her house was sold on XXXX with all proceeds used to pay medical, assisted living, geriatric care, and other living and personal expenses
Consumer complaint received 2019-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion continues to incorrectly report items and score on my credit report. I have several credit scores that report a XXXX score before the XXXX account was removed from my credit report in the amount of {$7800.00}. The XXXX account was removed, therefore, my credit score should have dramatically increased instead of remaining the same. 
I want this score corrected and if it is not corrected within 30 days I will file legal action for willful damages in the federal court. 
The FCRA is chiefly concerned with the way credit reporting agencies use the information they receive regarding your credit history. The law is intended to protect consumers from misinformation being used against them. It offers very specific guidelines on the methods credit reporting agencies use to collect and verify information and outlines reasons that information can be released.

See Clark v. Trans Union LLC, Case No. 3:15-cv-00391 and Anderson v. Trans Union LLC , Case No. 3:16-cv-00558, both in the U.S. District Court for the XXXX District of Virginia
Consumer complaint received 2024-07-15
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. (CA)

Despite being previous notified by a dispute ( XXXX XXXX XXXX XXXX ( XXXX... ) XXXX and XXXX ( Report Number : XXXX ( XXXX ) Experian willfully and knowingly violates FCRA 15 U.S.C 1681i ( A ) ( 4 ) and 15 U.S.C 1681e ( a ) ( b ), when the failed to " Modify or Delete '' the following account for " Inaccurate, incomplete, and outdated '' information contained in the report. Experian further violates by not ensuring that a " Reasonable procedure '' was used to verify the accuracy, completeness, current status of the account prior to sending the information to the XXXX XXXX " XXXX XXXX ''. 

The following information is provided as proof of the violations along with attachments. 
1. Address Identification Number Section : The account is reporting " Not Available '' in the " Address Identification Number '' section, which is inaccurate or incomplete.

2. Account History Section : The account history is reported as " No Data ( ND ), '' which is inaccurate and incomplete.

3. Date of StatuXXXX : The account is reporting " Date of XXXX XX/XX/XXXX, '' but the recent report was pulled in XX/XX/XXXX, indicating that the information is outdated and not reflective of the current status. 
XXXX. Date of First Delinquency : The account is missing the " Date of First Delinquency, '' which is essential for accurate reporting. 
XXXX. Closed Date : The account is missing the " Closed Date, '' which is necessary to reflect the current status of the account accurately. 
XXXX. Monthly Charge-Offs : The account is erroneously reporting monthly " CO '' ( charge- off ) entries. This ongoing reporting of charge-offs without resolution inaccurately portrays the account 's status and financial history. 

Not only does Experian continue to show a blatant disregard for complying with FCRA by providing " Accurate, Complete, and updated '' information, it further exasperates the situation by sending it to XXXX parties, and this information causes headaches, stress, and anxiety because of scores being dropped due to Experian non-compliance of correcting or deleting " Inaccurate, Incomplete, and outdated information
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-08-22
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. (FL)

Hi Experian, I just received a copy of my credit today and I found this fraud credit card account opened without my knowledge. I can not believe this fraud people still using my information to obtain credit cards, this fraud credit card shall delete from my credit report. I was on the phone earlier with the XXXX XXXXXXXX fraud team and I was told that I have the right to have to fraud account delete from my XXXX report.
Consumer complaint received 2024-08-22
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-22
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. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-12-27
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: NAVY FEDERAL CREDIT UNION (VA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be  investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-07-15
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-22
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXXXXXX XXXX XXXX XXXX {$8300.00} these debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. they furnished these account that we didnt agree upon and i didnt sign an agreement on a legal contract is signed by two parties and i did not participate in any of it more so they didnt follow the proper 5 step vaildation procedure which make this unfair practices. according to the FDCPA im entitled to {$1000.00} dollars. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services or money ; and, was successful in creating some accounts all is being investyigated by the ftc
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2019-12-27
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. (LA)

Throughout the months of XXXX and XXXX I diligently started working on my credit profile and monitoring the activity on it to make sure I could rebound as efficiently as possible from my past missteps. I noticed an old account on my report from XX/XX/XXXX on my report that was purchased by XXXX , XXXX. The date showed ( XX/XX/XXXX ( 4 yrs, 8 mos ) ) in the amount of ( {$640.00} ). On XX/XX/XXXX, I contacted XXXX , XXXX to get clarification ; a female representative kindly addressed my request to provide me with all the dates associated with their collection account. She provided me with the following : ( 1 ) Date of origination : XX/XX/XXXX ( 2 ) Date Delinquent : XX/XX/XXXX ( 3 ) Charged Off/Canceled : XX/XX/XXXX ( 4 ) Date Purchased ( by XXXX , XXXX ) : XX/XX/XXXX ( 5 ) Date Updated : XX/XX/XXXX I immediately contacted XXXX  to alert them of my conversation with XXXX , XXXX and the erroneous information and within ( 7-10 ) business days, my report was updated and the collection was removed from my XXXX  credit profile. I then contacted Equifax and followed the exact same process, it took them ( 20 ) days but their investigation yielded a less than satisfactory outcome and their explanation was very half-hearted and they insisted that the subsequent burden of proof lie on me not them. 

I have since located emails that correspond with the date of the ( XX/XX/XXXX ) reported delinquency that the XXXX , XXXX representative gave me over the phone. The date that they [ XXXX , XXXX ] are reporting is false and I feel that they are wrongfully taking advantage of me as a consumer by manipulating their reporting data in effort to keep this collection active.
Consumer complaint received 2024-08-22
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. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

I started a small business ( LLC ) in XXXX. At that time, I applied and was approved for an American Express Gold Business Card, with limited spending ( {$2000.00} ). When I applied, there was no verification requested besides having an EIN and a personal credit check. 
The American Express Gold Card has a ( {$250.00} ) annual fee. I have established a good credit relationship in the XXXX years of membership. 

I learned American Express offers other cards without an annual fee with XXXX percent interest for a period of time. I decided to apply for the American Express Business Blue Credit Card. I applied in XX/XX/XXXX and was denied claiming debt-to-ratio was too high. At that time I was in process of paying down my personal credit obligations and decided to reapply when the changes were reported to the credit bureaus. 

XX/XX/XXXX, I applied again for the American Express Blue Business Credit Card ( XXXX ) Reference # XXXX USD. This time, American Express requested that I submit bank statements. This was quite alarming as I had already established a relationship on the business and personal side. I am a holder of a XXXX XXXX American Express Credit Card that I have had for many years. 

I called and spoke with the credit department and was told American Express Business Card needs to look at my bank accounts to determine how much credit they could extend. This is the first ever a bank has requested bank statements from me for requesting a credit card. They did not request any bank statements when they granted me the Gold Credit Card. I have already established a credit-worthy relationship with them for many years both on the personal and business side. I did not request a business line of credit, if so then I could understand the request, but they should not be requesting bank statements from certain customers. These actions are clearly discriminatory and should not be allowed. I refuse to provide any bank with statements when requesting a Business Credit Card. American Express is utilizing discriminatory practices to deny Business Credit Cards to small minority business owners.